Commercial Bancgroup, Inc. Common Stock

CBK

CBKCommercial Bancgroup, Inc. Common Stock US flag

NASDAQ Global Select

34.80

USD

+0.67

- -

476.80MMarket Cap

Profitability (USD)

Profitability Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	15.3	14.71
Return on Assets (%)	- -	1.4	1.62
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	4.33	4.69	4.1
Operating Margin (%)	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -
Pretax Margin (%)	48.6	46.26	52.5
Profit Margin (%)	37.58	35.81	41.18
Net Income to Common Margin (%)	37.58	35.81	41.18
Effective Tax Rate (%)	21.36	21.9	21.56
Dvd Payout Ratio (%)	4.71	6.27	5.38
Sustainable Growth Rate (%)	- -	14.34	13.92

Credit (USD)

Credit Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	138	100	148
ST Debt	14	13	12
LT Debt	124	87	136
Total Debt/EBITDA	38.95	24.4	39.94
Net Debt/EBITDA	-2.04	-8.32	7.83
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	8.67	9.57	12.45
Long-Term Debt/Equity (%)	63.37	39.51	47.51
Long-Term Debt/Capital (%)	37.19	27.15	31.28
Long-Term Debt/Total Assets (%)	5.65	3.78	5.92
Total Debt/Equity (%)	70.41	45.52	51.87
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt/Total Assets (%)	6.28	4.36	6.46
Net Debt to Equity	-3.69	-15.52	10.17
Net Debt/Capital (%)	-3.84	-18.38	9.23
EBITDA	4	4	4
EBITDA-CapEx	- -	1	2
Operating Income (Loss)	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	8.67	9.57	12.45
Long-Term Debt/Equity (%)	63.37	39.51	47.51
Long-Term Debt/Capital (%)	37.19	27.15	31.28
Long-Term Debt/Total Assets (%)	5.65	3.78	5.92
Total Debt/Equity (%)	70.41	45.52	51.87
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt/Total Assets (%)	6.28	4.36	6.46
CFO/Total Liabilities	1.94	1.86	1.85
CFO/CapEx	12.28	12.72	19.89
Altman's Z-Score	0.15	0.17	0.29

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	11.37	12.34
Days Sales Outstanding	- -	32.1	29.58
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	336
- Cash & Cash Equivalents	145	134	119
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	5	- -	- -
+ Total Debt	138	100	148
Enterprise Value	-54	-134	322
Total Capital	334	321	433
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt / EV	-2.56	-0.75	0.46
EV/Sales	- -	- -	3.57
EV/EBITDA	- -	- -	86.96
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	8.69
EV/Free Cash Flow to Firm	- -	- -	8.27
Diluted Market Cap	- -	- -	340
Diluted Enterprise Value	-2	-34	369
EV per Share	- -	- -	23.53
TTM Sales	82	88	90
TTM EBITDA	4	4	4
TTM Operating Income	- -	- -	- -
TTM Cash Flow to Firm	39	39	37
TTM Free Cash Flow to Firm	42	42	39

Multiples (USD)

Valuation Multiples API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	8.72
EV/EBIT	- -	- -	- -
Enterprise Value	-54	-134	322
Low Price	- -	- -	23.24
EV/Sales	- -	- -	3.57
EV/EBITDA	- -	- -	86.96
Price/Earnings	- -	- -	8.32
Price/Earnings Average	- -	- -	8.32
Price/Earnings High	- -	- -	8.78
Price/Earnings Low	- -	- -	7.88
Price/Book Value	- -	- -	1.18
Price/Book Value Average	- -	- -	1.18
Price/Book Value High	- -	- -	1.24
Price/Book Value Low	- -	- -	1.12
Price/Tangible Book Value	- -	- -	1.23
Price/Tangible Book Value Average	- -	- -	1.23
Price/Tangible Book Value High	- -	- -	1.3
Price/Tangible Book Value Low	- -	- -	1.17
Price/Sales	- -	- -	3.43
Price/Sales Average	- -	- -	3.43
Price/Sales High	- -	- -	3.61
Price/Sales Low	- -	- -	3.24
Price/Cash Flow	- -	- -	8.35
Price/Cash Flow Average	- -	- -	8.34
Price/Cash Flow High	- -	- -	8.8
Price/Cash Flow Low	- -	- -	7.9
Price/Free Cash Flow Average	- -	- -	8.72
Price/Free Cash Flow High	- -	- -	9.19
Price/Free Cash Flow Low	- -	- -	8.25
EV/Sales Average	0.04	- -	4.04
EV/Sales High	0.04	- -	4.25
EV/Sales Low	0.04	- -	3.85
EV/EBITDA Average	-0.52	-8.32	98.56
EV/EBITDA High	-0.52	-8.32	103.52
EV/EBITDA Low	-0.52	-8.32	93.72
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	- -	- -	24.56
High Price	- -	- -	25.89
Enterprise Value Average	-2	-34	365
Enterprise Value High	-2	-34	384
Enterprise Value Low	-2	-34	347

Profitability (USD)

Profitability Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	15.3	14.71
Return on Assets (%)	- -	1.4	1.62
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	4.33	4.69	4.1
Operating Margin (%)	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -
Pretax Margin (%)	48.6	46.26	52.5
Profit Margin (%)	37.58	35.81	41.18
Net Income to Common Margin (%)	37.58	35.81	41.18
Effective Tax Rate (%)	21.36	21.9	21.56
Dvd Payout Ratio (%)	4.71	6.27	5.38
Sustainable Growth Rate (%)	- -	14.34	13.92

Credit (USD)

Credit Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	138	100	148
ST Debt	14	13	12
LT Debt	124	87	136
Total Debt/EBITDA	38.95	24.4	39.94
Net Debt/EBITDA	-2.04	-8.32	7.83
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	8.67	9.57	12.45
Long-Term Debt/Equity (%)	63.37	39.51	47.51
Long-Term Debt/Capital (%)	37.19	27.15	31.28
Long-Term Debt/Total Assets (%)	5.65	3.78	5.92
Total Debt/Equity (%)	70.41	45.52	51.87
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt/Total Assets (%)	6.28	4.36	6.46
Net Debt to Equity	-3.69	-15.52	10.17
Net Debt/Capital (%)	-3.84	-18.38	9.23
EBITDA	4	4	4
EBITDA-CapEx	- -	1	2
Operating Income (Loss)	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	8.67	9.57	12.45
Long-Term Debt/Equity (%)	63.37	39.51	47.51
Long-Term Debt/Capital (%)	37.19	27.15	31.28
Long-Term Debt/Total Assets (%)	5.65	3.78	5.92
Total Debt/Equity (%)	70.41	45.52	51.87
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt/Total Assets (%)	6.28	4.36	6.46
CFO/Total Liabilities	1.94	1.86	1.85
CFO/CapEx	12.28	12.72	19.89
Altman's Z-Score	0.15	0.17	0.29

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	11.37	12.34
Days Sales Outstanding	- -	32.1	29.58
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	336
- Cash & Cash Equivalents	145	134	119
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	5	- -	- -
+ Total Debt	138	100	148
Enterprise Value	-54	-134	322
Total Capital	334	321	433
Total Debt/Capital (%)	41.32	31.28	34.15
Total Debt / EV	-2.56	-0.75	0.46
EV/Sales	- -	- -	3.57
EV/EBITDA	- -	- -	86.96
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	8.69
EV/Free Cash Flow to Firm	- -	- -	8.27
Diluted Market Cap	- -	- -	340
Diluted Enterprise Value	-2	-34	369
EV per Share	- -	- -	23.53
TTM Sales	82	88	90
TTM EBITDA	4	4	4
TTM Operating Income	- -	- -	- -
TTM Cash Flow to Firm	39	39	37
TTM Free Cash Flow to Firm	42	42	39

Multiples (USD)

Valuation Multiples API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	8.72
EV/EBIT	- -	- -	- -
Enterprise Value	-54	-134	322
Low Price	- -	- -	23.24
EV/Sales	- -	- -	3.57
EV/EBITDA	- -	- -	86.96
Price/Earnings	- -	- -	8.32
Price/Earnings Average	- -	- -	8.32
Price/Earnings High	- -	- -	8.78
Price/Earnings Low	- -	- -	7.88
Price/Book Value	- -	- -	1.18
Price/Book Value Average	- -	- -	1.18
Price/Book Value High	- -	- -	1.24
Price/Book Value Low	- -	- -	1.12
Price/Tangible Book Value	- -	- -	1.23
Price/Tangible Book Value Average	- -	- -	1.23
Price/Tangible Book Value High	- -	- -	1.3
Price/Tangible Book Value Low	- -	- -	1.17
Price/Sales	- -	- -	3.43
Price/Sales Average	- -	- -	3.43
Price/Sales High	- -	- -	3.61
Price/Sales Low	- -	- -	3.24
Price/Cash Flow	- -	- -	8.35
Price/Cash Flow Average	- -	- -	8.34
Price/Cash Flow High	- -	- -	8.8
Price/Cash Flow Low	- -	- -	7.9
Price/Free Cash Flow Average	- -	- -	8.72
Price/Free Cash Flow High	- -	- -	9.19
Price/Free Cash Flow Low	- -	- -	8.25
EV/Sales Average	0.04	- -	4.04
EV/Sales High	0.04	- -	4.25
EV/Sales Low	0.04	- -	3.85
EV/EBITDA Average	-0.52	-8.32	98.56
EV/EBITDA High	-0.52	-8.32	103.52
EV/EBITDA Low	-0.52	-8.32	93.72
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	- -	- -	24.56
High Price	- -	- -	25.89
Enterprise Value Average	-2	-34	365
Enterprise Value High	-2	-34	384
Enterprise Value Low	-2	-34	347

Shares Outstanding	13	13	14
Diluted Weighted Avg Shares	12	12	14
Basic Weighted Avg Shares	12	12	13
Revenue per Share	6.71	7.2	7.16
EBITDA per Share	0.29	0.34	0.29
Operating Income per Share	- -	- -	- -
Basic EPS, GAAP	2.52	2.58	2.95
Basic EPS from Cont Ops	2.56	2.6	2.95
Diluted EPS, GAAP	2.48	2.54	2.69
Diluted EPS from Cont Ops	2.52	2.56	2.69
Dividend per Share	0.12	0.16	0.16
Cash Flow per Share	3.19	3.18	2.94
Free Cash Flow per Basic Share	2.93	2.93	2.79
Cash & Equivalents per Share	14.96	17.78	11.84
Book Value per Share	14.45	16.72	20.83
Tangible Book Value per Share	13.23	15.66	19.9

Commercial Bancgroup, Inc. Common Stock

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)