COMMERCIAL BANCGROUP INC (CBK)
Financials · regional banks · NASDAQ
A regional bank holding company providing commercial and consumer banking services across Kentucky, North Carolina, and Tennessee.
What COMMERCIAL BANCGROUP INC does
Commercial Bancgroup, Inc. is a bank holding company that provides a range of financial and banking services. Through its subsidiaries, the company focuses on commercial and consumer lending, deposit services, and related wealth management, trust, and insurance products, primarily serving small and mid-sized businesses and individuals in Kentucky, North Carolina, and Tennessee.
Themes: regional banking, commercial lending, wealth management
Fundamentals
- Price$33.81 as of 2026-08-21 close
- Market cap$463M as of 2026-08-21
- P/E12.76 as of 2026-08-24
- ROE+14.4% as of 2026-08-24
- Debt / equity0.40 as of 2026-08-24
- Beta0.48 as of 2026-08-24
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CBK compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CBK's dividend was covered by reported results (earnings payout 5%, free-cash-flow payout 6%). This describes past coverage, not a forecast.
- Earnings payout5% dividends / net income
- Free-cash-flow payout6% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How COMMERCIAL BANCGROUP INC looks technically
COMMERCIAL BANCGROUP INC (CBK) is trading 21.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average has held above its 200-day average for at least 14 trading days — a long-sustained "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative). It made a new 20-day high about 13 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 21.3% above its 200-day average, the long-term trend line — a longer-term uptrend | +21.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $33.36 | $33.36 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $27.87 | $27.87 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 35.78. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average has held above its 200-day average for at least 14 trading days — a long-sustained "golden cross", a bullish long-term signal | at least 14 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with buyers in control | 27.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30) | 45.9 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($33.36 to $35.78) — its "stochastic" reading is 19 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 18.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 9 trading days ago (its momentum flipped negative) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.78 | $35.78 |
|---|---|---|
| From the 52-week high | it is 5.5% below its 52-week high (its highest price of the past year) | -5.5% |
| Above the 52-week low | it is 45.5% above its 52-week low (its lowest price of the past year) | +45.5% |
| Below the 52-week high | it is 5.5% below its highest point of the past year | 5.5% |
| Since a 20-day breakout | it made a new 20-day high about 13 trading days ago | 13 sessions |
| Since a 55-day breakout | it made a new 55-day high about 13 trading days ago | 13 sessions |
| All-time high | its highest closing price on record is $35.78 (set on 2026-08-13) | $35.78 |
| Given back of the 52-week move | not available for this company yet | n/a |
| From the all-time high | it is 5.5% below its all-time high | -5.5% |
| Nearest price level | not enough price history yet — needs 252 trading sessions | n/a |
| All-time low | its lowest closing price on record is $23.23 (set on 2025-12-29) | $23.23 |
| Above the all-time low | it is 45.5% above its all-time low | +45.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8287 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8287 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $33.48 and $35.84 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $33.48 – $34.66 – $35.84 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 7.2 daily ranges above its 200-day average price (21.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.70× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 1.3% since the prior reading | +1.3% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Open gap | it gapped 5.6% above the previous close 51 sessions ago and has not traded back through the level it left behind at 28.69 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +5.6% |
| Gap filled | a 2.4% gap down opened on 2026-07-30 has been "filled" 16 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 16 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.4 percentage points (the stock gained 0.9% while the market gained 2.3%) | -1.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 13.1 percentage points (the stock gained 16.2% while the market gained 3.1%) | +13.1% |
| vs market, 6 months | over the past 6 months this stock beat the market by 15.4 percentage points (the stock gained 26.5% while the market gained 11.1%) | +15.4% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 5.8% of the share price. | +3.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $29.60 — a volume-weighted average of daily closes over 150 sessions, not a true tick-by-tick VWAP. | +14.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $34.55 — a volume-weighted average of daily closes over 20 sessions, not a true tick-by-tick VWAP. | -2.1% |
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $35.78.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 3 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a strong, established uptrend (ADX) · Analyst price target recently RAISED · Stretched far above its 200-day average (6+ daily ranges) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 1 analyst
- Mean price target$40.00 range $40.00 – $40.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CBK
- Consensus EPS estimate$0.74 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration risk in commercial real estate (CRE) and construction and land development (C&D) loans.","Sensitivity to interest rate fluctuations and inflation affecting net interest margins and loan portfolio values.","Liquidity risks associated with the ability to maintain stable, low-cost deposit relationships."]
What changed in the latest 10-Q
AI-assisted comparison of CBK's 10-Q filed 2026-05-13 against the prior one filed 2025-11-14.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-13) includes a 'CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS' section with detailed risk factors discussion, which is absent from the older filing table of contents
- Removed:
- Older filing (2025-11-14) includes Item 1A (Risk Factors), Item 2 (Unregistered Sales of Equity Securities), Item 3 (Defaults Upon Senior Securities), Item 4 (Mine Safety Disclosures), Item 5 (Other Information), Item 6 (Exhibits), and Signatures page in table of contents; newer filing omits these from the provided excerpt
- Page number references changed: MD&A moved from page 45 to page 42; Item 3 moved from page 76 to page 69; Item 4 moved from page 76 to page 69; PART II moved from page 77 to page 70; Item 1 (Legal Proceedings) moved from page 77 to page 70
- Notes:
- The provided newer filing excerpt is truncated and appears to end mid-section; the full content structure cannot be fully assessed
- Page number reductions suggest content reorganization or condensation, but without full document access, specific content changes cannot be definitively attributed
Risk Factors
- Added:
- Newer filing (2026-05-13) contains a full 'Cautionary Note Regarding Forward-Looking Statements' section with detailed risk disclosures, including specific risk factors such as interest rates, inflation, real estate concentration, credit risks, CRE/C&D portfolios, small/mid-sized business lending, deposit relationships, capital sufficiency, CRA ratings, funding costs, growth strategy execution, management composition, competition including fintech, asset quality, accounting standards, risk management framework, weather/natural disasters/pandemics/climate change, technology changes, acquisition risks, growth rate maintenance, technological change, systems failures, cybersecurity/data access threats, regulatory compliance (BHC Act, Bank Secrecy Act, OFAC, AML), monetary/fiscal policies, legal/regulatory changes, Parent Company dividend receipt ability, litigation risks, public company management experience, public company operating costs, Sarbanes-Oxley Section 404 obligations, and reference to 2025 Annual Report on Form 10-K filed March 24, 2026
- Removed:
- Older filing (2025-11-14) contained statement that 'There have been no material changes to the risk factors previously disclosed in the Registration Statement' and referenced risk factors in the Registration Statement
- Older filing (2025-11-14) contained detailed Item 2 disclosure regarding unregistered sales of RSUs to Terry L. Lee with $1,020,000 grant date value and IPO proceeds information ($30.6 million net proceeds, $20.5 million Community Trust Loan repayment on October 7, 2025)
- Older filing (2025-11-14) contained Item 5 insider trading arrangements disclosure stating no directors/officers adopted, terminated or modified Rule 10b5-1 trading arrangements during three months ended September 30, 2025
- Reworded:
- Item 1A structure changed from narrative risk factor disclosure with Registration Statement reference to comprehensive forward-looking statements disclaimer with extensive bullet-pointed risk factor list (2026-05-13 vs 2025-11-14)
- Reference date changed from 'Registration Statement' to '2025 Annual Report on Form 10-K for the fiscal year ended December 31, 2025 filed with the U.S. Securities and Exchange Commission on March 24, 2026' (2026-05-13)
- Notes:
- The newer filing appears to show only Item 1A-6 headers and content, suggesting potential truncation or structural reorganization of the document
- The older filing is a first quarterly report (Q3 2025) filed shortly after IPO (October 3, 2025), while the newer filing is a subsequent quarterly report (Q2 2026), which may explain the different risk factor presentation approaches
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days1 buy ($95760) · 0 sells — 1 buying insider
Most recent open-market transaction: 2026-04-30. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding CBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 587,792
- Reported value $15,294,347
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CBK had 265,590 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CBK had 1.94% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.66 days to cover at the same settlement.
- Reported short interest (shares) 265,590
- Short interest (% of shares outstanding) 1.94%
- Prior settlement (shares) 308,205
- Reported change -13.83%
- Days to cover (reported) 3.66
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Regions Financial (RF)
- First Horizon (FHN)
- Pinnacle Financial Partners (PNFP)
- Synovus Financial (SNV)
- Truist Financial (TFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare CBK vs…
Frequently asked questions
What does COMMERCIAL BANCGROUP INC (CBK) do?
Commercial Bancgroup, Inc. is a bank holding company that provides a range of financial and banking services. Through its subsidiaries, the company focuses on commercial and consumer lending, deposit services, and related wealth management, trust, and insurance products, primarily serving small and mid-sized businesses and individuals in Kentucky, North Carolina, and Tennessee.
What sector is COMMERCIAL BANCGROUP INC (CBK) in?
COMMERCIAL BANCGROUP INC (CBK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does CBK pay a dividend?
Yes — COMMERCIAL BANCGROUP INC (CBK) pays a dividend, with at least 2 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are COMMERCIAL BANCGROUP INC's (CBK) competitors?
Notable peers of COMMERCIAL BANCGROUP INC (CBK) include Regions Financial, First Horizon, Pinnacle Financial Partners, Synovus Financial and Truist Financial. This peer set is informational only — not financial advice.
Is COMMERCIAL BANCGROUP INC (CBK) overbought or oversold right now?
COMMERCIAL BANCGROUP INC (CBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 46, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CBK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.