Commercial Bancgroup, Inc. Common Stock (CBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Commercial Bancgroup, Inc. Common Stock stock (CBK) is currently trading at $25.22. Commercial Bancgroup, Inc. Common Stock PE ratio is 8.42. Commercial Bancgroup, Inc. Common Stock PS ratio (Price-to-Sales) is 3.73. Analyst consensus price target for CBK is $33.00. WallStSmart rates CBK as Hold.
- CBK PE ratio analysis and historical PE chart
- CBK PS ratio (Price-to-Sales) history and trend
- CBK intrinsic value — DCF, Graham Number, EPV models
- CBK stock price prediction 2025 2026 2027 2028 2029 2030
- CBK fair value vs current price
- CBK insider transactions and insider buying
- Is CBK undervalued or overvalued?
- Commercial Bancgroup, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- CBK Piotroski F-Score and Altman Z-Score
- CBK analyst price target and Smart Rating
Commercial Bancgroup, Inc.
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CBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Commercial Bancgroup, Inc. Common Stock (CBK)
CBK trades at a significant discount to its Graham intrinsic value of $136.66, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Commercial Bancgroup, Inc. Common Stock (CBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Commercial Bancgroup, Inc. Common Stock (CBK) Key Strengths (5)
Keeps $56 of every $100 in revenue after operating costs
Earnings per share surging 56.50% year-over-year
Keeps $41 of every $100 in revenue as net profit
Trading at 1.19x book value, attractively priced
53.11% held by institutions, strong professional interest
Supporting Valuation Data
Commercial Bancgroup, Inc. Common Stock (CBK) Areas to Watch (4)
Revenue growing slowly at 2.50% annually
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.73x sales
Commercial Bancgroup, Inc. Common Stock (CBK) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.19) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 55.50%, Profit Margin at 40.90%. Growth metrics are encouraging with EPS Growth at 56.50%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.73) suggest expensive pricing. Growth concerns include Revenue Growth at 2.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBK's Price-to-Sales ratio of 3.73x sits near its historical average of 3.35x (42th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 9% below its historical high of 4.12x set in Feb 2026, and 49% above its historical low of 2.5x in Dec 2025. Over the past 12 months, the PS ratio has expanded from ~2.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Commercial Bancgroup, Inc. Common Stock (CBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Commercial Bancgroup, Inc. Common Stock is a strong growth company balancing expansion with improving profitability. Revenue reached 90M with 250% growth year-over-year. Profit margins are strong at 40.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 250% YoY, reaching 90M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1460.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Commercial Bancgroup, Inc. Common Stock maintain 250%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 64.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Commercial Bancgroup, Inc. Common Stock.
Bottom Line
Commercial Bancgroup, Inc. Common Stock offers an attractive blend of growth (250% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Commercial Bancgroup, Inc. Common Stock(CBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Commercial Bancgroup, Inc. is the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in Kentucky, North Carolina, and Tennessee. The company is headquartered in Harrogate, Tennessee.