COMMERCIAL BANCGROUP INC (CBK)

What COMMERCIAL BANCGROUP INC does

Commercial Bancgroup Inc is a Tennessee-based regional bank providing traditional banking services to small and mid-sized businesses and individuals. The company operates primarily across Kentucky, North Carolina, and Tennessee, offering deposit products, lending services, and wealth management services. The company maintains a significant focus on commercial real estate, commercial, and construction and land development lending.

Fundamentals

• Price$32.85 as of 2026-07-09 close
• Market cap$446M as of 2026-07-10
• 1-year return+32.5% as of 2026-07-09 close
• P/E11.72 as of 2026-07-10
• ROE+14.4% as of 2026-07-10
• Debt / equity0.40 as of 2026-07-10
• Beta0.44 as of 2026-07-10

Dividend: yield +1.2%; 2-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Geographic concentration risk: significant portion of business and loan portfolio concentrated in Kentucky, North Carolina, and Tennessee, exposing the company to regional economic downturns and natural disasters","Real estate concentration risk: loan portfolio heavily concentrated in commercial and residential real estate loans, making it vulnerable to declines in property values and real estate market conditions","Interest rate and inflation risk: earnings and financial condition are significantly affected by changes in interest rates and inflation, which impact net interest margins and the value of investment and loan portfolios"]

See CBK's biggest risks from its latest 10-Q →

Competitors & peers

• Regional banks operating in Kentucky, North Carolina, and Tennessee markets
• Community banks
• Financial technology companies and non-regulated financial services providers
• National and regional financial institutions

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