# Commercial Bancgroup Inc. (CBK) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $33.05, market value $453 million.

## Valuation
- **P/E (trailing): 11.2×** (5-yr avg 8.3×, 3-yr avg 8.3×). Commercial Bancgroup Inc. trades at 11.2× trailing earnings, well above its own five-year average of 8.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.64**. A PEG of 0.64 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.8%** (5-yr avg 11.5%). Free cash flow equals 7.8% of the market value, below its five-year average of 11.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.9%**. The inverse of the P/E: 8.9% of the price is earned each year.

## Profitability
- **Return on equity: 13.0%**. 13.0% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 16.1%**. Earnings per share rose 16.1%.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $144 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.45%** ($0.31 per share, trailing). Commercial Bancgroup Inc. yields 1.45%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 5%** (6% of free cash flow). 5% of earnings goes out as dividends, leaving room to keep raising it.
- **Shareholder yield: 1.7%**. Dividends plus net buybacks return 1.7% of the market value a year.

## Analyst view
- **Analyst consensus: strong_buy** (1 analyst). 1 analysts cover Commercial Bancgroup Inc.; the consensus is strong_buy, with an average price target of $39.50 (+20% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 38.8%** (YTD 38.1%, 3-mo -2.9%). The shares are up 38.8% over twelve months including dividends.
- **From 52-week high: -7.6%** (42.2% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 0.32** (volatility 21%). Beta of 0.32 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CBK · Page: https://foliofundamentals.com/stocks/cbk

Not investment advice.