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Page: Company Financials

Commercial Bancgroup, Inc. Common Stock

Ticker: CBK | Industry: Banks | Sector: Financial Services
$25.53 +0.33 (1.31%)
As of: 2026-01-15

Master Data Export

Enterprise Value

Metric MRQ MRQ-1 2025 2024
Stock Price 24.00 24.00 24.00 24.00
Market Capitalization 293.75M 316.18M 308.70M 304.68M
(-) Cash & Equivalents 122.95M 108.50M 114.88M 33.61M
(+) Total Debt 157.20M 148.51M 138.27M 25.91M
Enterprise Value 328.01M 356.19M 332.09M 296.98M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31
Revenue 133M 0.00M 133M 112M
Cost of Revenue 44M 0.00M 47M 34M
Gross Profit 89M 0.00M 86M 78M
Gross Profit Margin 67.2% 0.0% 64.4% 69.9%
R&D Expenses 0M 0.00M 0M 0M
SG&A Expenses 26M 0.00M 26M 22M
Operating Expenses 45M 0.00M 45M 39M
Operating Income (EBIT) 44M 0.00M 41M 40M
Operating Income Margin 33.0% 0.0% 30.4% 35.4%
Interest Income 123M 0.00M 123M 103M
Interest Expense 44M 0.00M 46M 31M
Net Interest Income 79M 0.00M 78M 72M
Unusual Items -79M 0.00M -78M -72M
EBT Excluding Unusual Items 123M 0.00M 118M 112M
Pre-Tax Income 44M 0.00M 41M 40M
Pre-Tax Margin 33.0% 0.0% 30.4% 35.4%
Income Tax Expense 11M 0.00M 9M 8M
Net Income 33M 0.00M 31M 31M
Net Income Margin 24.6% 0.0% 23.6% 27.4%
Depreciation & Amortization 3M 0.00M 5M 4M
EBITDA 47M 0.00M 45M 43M
EBITDA Margin 35.2% 0.0% 33.9% 38.5%
NOPAT 33M 0.00M 32M 31M
NOPAT Margin 24.6% 0.0% 23.8% 27.8%
Owner's Earnings 33M 0.00M 33M 31M
Owner's Earnings Margin 25.2% 0.0% 24.7% 27.7%
EPS (Basic) 2.58 0.00 2.58 2.52
EPS (Diluted) 2.54 0.00 2.54 2.51
Shares (Basic) 13M 0.00M 12M 12M
Shares (Diluted) 13M 0.00M 12M 12M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31
Cash & Cash Equivalents 122.95M 108.50M 134.46M 145.08M
Short-Term Investments 73.15M 90.86M 99.82M 52.04M
Cash & Short-Term Investments 196.09M 199.36M 234.28M 197.12M
Net Receivables 7.10M 7.08M 7.19M 8.24M
Inventory 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M
Total Current Assets 203.19M 206.45M 241.47M 205.36M
Property, Plant & Equipment 50.27M 50.34M 50.29M 52.26M
Goodwill 8.51M 8.51M 8.51M 8.51M
Intangible Assets 4.64M 5.03M 5.43M 7.63M
Long-Term Investments 1,837.58M 1,870.23M 1,865.12M 1,828.48M
Tax Assets 1.43M 1.03M 1.08M 0.15M
Other Non-Current Assets 108.80M 120.92M 129.31M 94.21M
Other Assets 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 2,011.22M 2,056.06M 2,059.74M 1,991.25M
Total Assets 2,214.41M 2,262.51M 2,301.21M 2,196.61M
Accounts Payable 3.41M 4.55M 4.22M 3.64M
Short-Term Debt 62.66M 46.30M 3.39M 6.05M
Tax Payables 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 1,780.63M 1,851.25M 1,938.60M 1,819.92M
Total Current Liabilities 1,846.71M 1,902.09M 1,946.21M 1,829.61M
Long-Term Debt 94.54M 102.21M 105.77M 143.22M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities 28.01M 22.94M 28.97M 28.00M
Total Non-Current Liabilities 122.55M 125.15M 134.74M 171.22M
Total Liabilities 1,969.25M 2,027.24M 2,080.96M 2,000.83M
Preferred Stock 0.00M 0.00M 0.00M 0.00M
Common Stock 0.12M 0.12M 0.12M 0.12M
Retained Earnings 237.37M 227.90M 212.31M 182.90M
Accumulated OCI -0.74M -1.16M -1.56M -1.72M
Minority Interest 0.00M 0.00M 0.00M 5.40M
Total Shareholders’ Equity 236.75M 226.86M 210.87M 181.30M
Total Equity 236.75M 226.86M 210.87M 186.70M
Total Liabilities & Equity 2,206.00M 2,254.11M 2,291.82M 2,187.54M
Tangible Assets 2,201.26M 2,248.97M 2,287.27M 2,180.47M
Tangible Equity 223.60M 213.32M 196.92M 170.56M
Tangible Book Value 223.60M 213.32M 196.92M 170.56M
Total Investments 1,910.72M 1,961.09M 1,964.95M 1,880.52M
Net Debt 34.25M 40.01M -25.29M 4.18M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31
Working Capital -1,643.5M -1,695.6M -1,704.7M -1,624.3M
Total Capital 402.4M 383.8M 329.4M 339.6M
Capital Employed 367.7M 360.4M 355.0M 367.0M
Invested Capital 279.4M 275.3M 195.0M 194.6M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31
Net Income 32.67M 0.00M 31.69M 31.21M
Depreciation & Amortization 2.83M 0.00M 4.59M 3.54M
Deferred Income Tax 0.00M 0.00M 0.00M 0.00M
Stock-Based Compensation 0.00M 0.00M 2.14M 0.46M
Change in Working Capital 2.19M 0.00M -0.70M 0.34M
Accounts Receivable 0.88M 0.00M 1.05M -2.00M
Inventory 0.00M 0.00M 0.00M 0.00M
Accounts Payable -0.86M 0.00M 1.17M 2.88M
Other Working Capital 2.17M 0.00M -2.93M -0.55M
Other Non-Cash Items 0.52M 0.00M 0.96M 3.34M
Net Cash from Operating Activities 38.21M 0.00M 38.68M 38.89M
Capital Expenditures (PPE) -2.02M 0.00M -3.04M -3.17M
Acquisitions (Net) 0.00M 0.00M 0.00M 7.97M
Purchases of Investments -120.26M 0.00M -47.27M -16.65M
Sales / Maturities of Investments 141.81M 0.00M 81.31M 35.36M
Other Investing Activities -16.14M 0.00M -115.93M -151.47M
Net Cash from Investing Activities 3.39M 0.00M -84.93M -127.96M
Net Debt Issuance 50.05M 0.00M -40.69M 6.68M
Long-Term Debt Issuance -7.71M 0.00M -38.03M 8.37M
Short-Term Debt Issuance 57.76M 0.00M -2.65M -1.69M
Net Stock Issuance -2.77M 0.00M -1.83M 1.78M
Common Stock Issuance 0.00M 0.00M 0.00M 3.89M
Common Stock Repurchased -2.77M 0.00M -1.83M -2.11M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid -2.00M 0.00M -2.00M -1.50M
Common Dividends Paid -2.00M 0.00M -2.00M -1.50M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M
Other Financing Activities -112.42M 0.00M 113.03M 176.13M
Net Cash from Financing Activities -67.13M 0.00M 68.51M 183.10M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M
Net Change in Cash -25.53M 0.00M 22.26M 94.03M
Cash at Beginning of Period 660.29M 0.00M 155.94M 61.91M
Cash at End of Period 634.76M 0.00M 178.20M 155.94M
Operating Cash Flow 38.21M 0.00M 38.68M 38.89M
Capital Expenditure -2.02M 0.00M -3.04M -3.17M
Free Cash Flow 36.19M 0.00M 35.63M 35.72M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31
EBITDA 66.11M 0.00M 64.47M 60.15M
(-) Tax Adjustment 16.91M 0.00M 14.12M 12.85M
(-) Change In Working Capital 2.19M 0.00M -0.70M 0.34M
(-) Capital Expenditure -2.02M 0.00M -3.04M -3.17M
Unlevered Free Cash Flow 44.99M 0.00M 48.01M 43.80M
(-) Net Interest Income After Taxes 58.82M 0.00M 60.59M 56.70M
Net Debt Issuance 50.05M 0.00M -40.69M 6.68M
Levered Free Cash Flow 36.21M 0.00M -53.27M -6.22M