Commercial Bancgroup Inc. (CBK) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Commercial Bancgroup Inc. (NASDAQ: CBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $32.99 (+1.17% 1D, market cap $452.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CBK ranks #223 in composite RQD confidence.
Within the Financials sector (Major Banks), CBK carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 13.0%. By comparison, RBB (RBB Bancorp) holds a C grade (62/100 RQD, P/E 13.8x, ROIC 6.1%, cap $440.5M) and BMRC (Bank of Marin Bancorp) posts a C grade (65/100 RQD, P/E 17.6x, ROIC 6.7%, cap $466.4M). Among the 5-stock peer group, CBK leads on earnings multiple (12.2x) while CBK leads on capital efficiency (13.0% ROIC).
Per CBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001981546), Commercial Bancgroup Inc. generated $0 in revenue, $37.2M in net income, and $35.2M in free cash flow against $2.29B in total assets and $78.6M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
Even with a 67/100 (C+) score, CBK faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.56) or 200D SMA ($30.10) invalidates the momentum regime and cuts Target Base ($34.33) toward Bear Floor ($26.78).
Commercial Bancgroup Inc. (CBK) advanced +1.17% to $32.99, trading at 78% of its 52-week range ($23.24 – $35.78). Solid steady margins (13% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Commercial Bancgroup walked into Q3 earnings with a mixed tape. The stock was up over the past week and month, yet down over the last quarter. Then today hit. Shares climbed about 2% after the release, as traders focused
Commercial Bancgroup Q3 2026 EPS and revenue beat estimates, net income reached $10.9M, NIM rose to 4.14%, with shares flat after hours.
HARROGATE, TN / ACCESS Newswire / October 26, 2026 / ("Commercial" or the "Company") (NASDAQ:CBK), the parent company of Commercial Bank (the "Bank"), today announced net income of $10.79 per diluted common share, for th
HARROGATE, TN / ACCESS Newswire / October 26, 2026 / ("Commercial") (NASDAQ:CBK), the parent company of Commercial Bank (the"Bank"), announced today that the board of directors of Commercial declared a quarterly cash div
Commercial Bancgroup (NASDAQ:CBK) reported quarterly earnings of $0.79 per share which beat the analyst consensus estimate of $0.74 by 6.76 percent. This is a 2.6 percent increase over earnings of $0.77 per share from
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CBK. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Commercial Bancgroup Inc. (CBK) ranks #223 by composite RQD confidence (67/100, grade C+) and #728 by equity capitalization ($452.0M). Within this direct 5-issuer industry benchmark cohort, CBK leads on earnings valuation at 12.2x trailing P/E, while CBK leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. CBK currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CBK
ACTIVE
Commercial Bancgroup Inc. | C+ | 67/100 | 12.2x | — | 13.0% | +1.17% | $452.0M | Benchmark Subject |
| RBB RBB Bancorp | C | 62/100 | 13.8x | — | 6.1% | -0.23% | $440.5M | /rbb-vs-cbk → |
| BMRC Bank of Marin Bancorp | C | 65/100 | 17.6x | — | 6.7% | -0.31% | $466.4M | /bmrc-vs-cbk → |
| CBAN Colony Bankcorp Inc. | E | 29/100 | 65.5x | — | 1.8% | +0.30% | $433.3M | /cban-vs-cbk → |
| CHMG Chemung Financial Corp | C+ | 67/100 | 28.0x | — | 5.9% | +2.10% | $422.4M | /chmg-vs-cbk → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Commercial Bancgroup Inc. (CBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $37.2M, operating cash flow of $37.1M, and free cash flow of $35.2M (-1.1% YoY). On the balance sheet, CBK closed FY2025 with $2.29B in total assets against $78.6M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $37.2M | $37.1M | $35.2M | $2.29B | $78.6M |
| FY2024 (FY) | 2024-12-31 | $0 | $31.4M | $38.7M | $35.6M | $2.30B | $105.8M |
As of 2026-11-02, Commercial Bancgroup Inc. (NASDAQ: CBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $32.99 (+1.17% 1D, market cap $452.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CBK ranks #223 in composite RQD confidence.
Within the Financials sector (Major Banks), CBK carries a Roarable C+ (67/100 RQD), trailing P/E of 12.2x, gross margin of —, and ROIC of 13.0%. By comparison, RBB (RBB Bancorp) holds a C grade (62/100 RQD, P/E 13.8x, ROIC 6.1%, cap $440.5M) and BMRC (Bank of Marin Bancorp) posts a C grade (65/100 RQD, P/E 17.6x, ROIC 6.7%, cap $466.4M). Among the 5-stock peer group, CBK leads on earnings multiple (12.2x) while CBK leads on capital efficiency (13.0% ROIC).
Per CBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001981546), Commercial Bancgroup Inc. generated $0 in revenue, $37.2M in net income, and $35.2M in free cash flow against $2.29B in total assets and $78.6M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
CBK last traded at $32.99 (+1.17% on volume of 18,497 shares), positioning the stock +1.32% above its 50-day simple moving average ($32.56) and +9.60% above its 200-day simple moving average ($30.10). Across its 52-week range of $23.24 to $35.78, CBK sits at the 77.8% percentile with a 14-day RSI of 61.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($31.37 to $34.61).
Why CBK Stock advanced +1.17% Today — RQD Quant Desk Flash. Solid steady margins (13% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
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