Company research
Commercial Bancgroup, Inc.
CIK 1981546Updated Sep 24, 2026
SecurityCBK · NASDAQ · equity
CBK price & chart
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NASDAQ:CBK on TradingView ↗About the company
Commercial Bancgroup, Inc. is a bank holding company headquartered in Harrogate, Tennessee. Through our wholly owned subsidiary, Commercial Bank, a Tennessee state-chartered bank, we offer a suite of traditional consumer and commercial banking products and services to businesses and individuals in select markets in Kentucky, North Carolina, and Tennessee. More information about Commercial can be found on its website at www.cbtn.com.
In the news
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Recent filings
Financials
FY 2025 · USDSource
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Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 |
|---|---|---|
| ASSETS | ||
| AssetsUSD | 2,291,454,981Source | 2,301,211,138Source |
| Property, Plant and Equipment, NetUSD | 49,765,202Source | 50,288,378Source |
| GoodwillUSD | 8,510,852Source | 8,514,092Source |
| Current assets: | ||
| Cash and Cash Equivalents, at Carrying ValueUSD | 144,318,929Source | 178,197,916Source |
| Other Assets, NoncurrentUSD | 21,571,666Source | 30,194,510Source |
| LIABILITIES AND EQUITY | ||
| LiabilitiesUSD | 2,006,111,149Source | 2,080,955,355Source |
| Stockholders’ equity: | ||
| Common Stock, Value, IssuedUSD | 136,980Source | 121,131Source |
| Retained Earnings (Accumulated Deficit)USD | 247,505,096Source | 212,310,977Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -674,902Source | -1,564,506Source |
| Stockholders' Equity Attributable to ParentUSD | 285,343,832Source | 220,255,783Source |
| Additional Paid in Capital, Common StockUSD | 38,376,658Source | 9,388,181Source |
| Liabilities and EquityUSD | 2,291,454,981Source | 2,301,211,138Source |
| Additional Financial Items | ||
| Long-term Debt, Excluding Current MaturitiesUSD | 78,587,361Source | 105,772,642Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 |
|---|---|---|
| Cash flows from operating activities: | ||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 37,196,198Source | 31,685,783Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation and amortization | — | — |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 124,375Source | 2,143,530Source |
| Deferred Income Tax Expense (Benefit)USD | -227,793Source | -1,140,719Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 37,094,507Source | 38,675,935Source |
| Cash flows from investing activities: | ||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -32,662,959Source | -84,930,902Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 1,865,126Source | 3,041,086Source |
| Cash flows from financing activities: | ||
| Payments for Repurchase of Common StockUSD | 980,800Source | 1,829,803Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -38,310,535Source | 68,512,148Source |
| Dividends paid | — | — |
| Repayments of Long-term DebtUSD | 35,515,781Source | 40,180,902Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 144,318,929Source | 178,197,916Source |
| Supplemental disclosure of cash flow information: | ||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 42,436,365Source | 44,457,576Source |
| Income Taxes Paid, NetUSD | 9,500,530Source | 9,750,000Source |
| Additional Financial Items | ||
| Share-based Payment Arrangement, ExpenseUSD | — | 2,143,530Source |
| Amortization of Debt Issuance Costs and DiscountsUSD | -1,644,745Source | 484,515Source |
| Amortization of Intangible AssetsUSD | 1,568,586Source | 1,807,431Source |
| Bank Owned Life Insurance IncomeUSD | 1,291,936Source | 1,198,572Source |
| DepreciationUSD | 2,137,698Source | 2,301,828Source |
| Gain (Loss) on Disposition of Other AssetsUSD | 160,996Source | 153,346Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | 37,605Source | 759,482Source |
| Gain (Loss) on Extinguishment of DebtUSD | 609,000Source | — |
| GoodwillUSD | 8,510,852Source | 8,514,092Source |
| Income Tax Expense (Benefit)USD | 10,221,179Source | 8,886,195Source |
| Net Income (Loss) Attributable to ParentUSD | 37,196,198Source | 31,409,926Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | 275,857Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 37,196,198Source | 31,409,926Source |
| Operating Lease, ExpenseUSD | 167,000Source | 264,000Source |
| Other Interest and Dividend IncomeUSD | 620,866Source | 699,728Source |
| Proceeds from Issuance of Common StockUSD | 29,860,751Source | — |
| Proceeds from Issuance of Long-term DebtUSD | 8,330,500Source | 2,146,001Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 37,917,827Source | 33,969,465Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 |
|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 47,417,377Source | 40,571,978Source |
| Income Tax Expense (Benefit)USD | 10,221,179Source | 8,886,195Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | 275,857Source |
| Net Income (Loss) Attributable to ParentUSD | 37,196,198Source | 31,409,926Source |
| Earnings Per Share, BasicUSD per share | 2.95Source | 2.58Source |
| Earnings Per Share, DilutedUSD per share | 2.95Source | 2.54Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 12,605,127Source | 12,187,560Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 12,605,127Source | 12,187,560Source |
| Additional Financial Items | ||
| Amortization of Intangible AssetsUSD | 1,568,586Source | 1,807,431Source |
| Bank Owned Life Insurance IncomeUSD | 1,291,936Source | 1,198,572Source |
| Current Income Tax Expense (Benefit)USD | 10,448,972Source | 10,026,914Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 3,706,284Source | 4,109,259Source |
| InterestExpenseOperatingUSD | 41,173,544Source | 45,629,378Source |
| Interest Income (Expense), NetUSD | 80,430,544Source | 77,583,590Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 37,196,198Source | 31,409,926Source |
| Operating Lease, ExpenseUSD | 167,000Source | 264,000Source |
| Other Interest and Dividend IncomeUSD | 620,866Source | 699,728Source |
Filing attachments
ea029912701ex99-1.htm · 8-K · 2026-07-27
EX-99.1 2 ea029912701ex99-1.htm PRESS RELEASE OF COMMERCIAL BANCGROUP, INC., DATED JULY 27, 2026 Exhibit 99.1 Commercial Bancgroup, Inc. Announces Results for the Second Quarter 2026 HARROGATE, TN - July 27, 2026 - Commercial Bancgroup, Inc. (“Commercial” or the “Company”) (Nasdaq: CBK), the parent company of Commercial Bank (the “Bank”), today announced net income of $10.2 million, or $0.75 per common share, for the second quarter of 2026, compared to net income of $8.9 million, or $0.73 …
Read attachment ↗ea029912701ex99-2.htm · 8-K · 2026-07-27
EX-99.2 3 ea029912701ex99-2.htm INVESTOR PRESENTATION OF COMMERCIAL BANCGROUP, INC., DATED JULY 27, 2026 Exhibit 99.2 2Q26 Earnings Presentation July 27, 2026 COMMERCIAL BANCGROUP, INC. 2 Important Notices and Disclaimers Use of Defined Terms As used in this presentation, the terms "Company," "Commercial," "we," "our," and "us" refer to Commercial Bancgroup, Inc., a Tennessee corporation. The term "Bank" refers to Commercial Bank, the Company's wholly owned bank subsidiary. Forward-Looking…
Read attachment ↗ea028776001ex99-1.htm · 8-K · 2026-04-27
EX-99.1 2 ea028776001ex99-1.htm EARNINGS RELEASE OF COMMERCIAL BANCGROUP, INC., DATED APRIL 27, 2026 Exhibit 99.1 Commercial Bancgroup, Inc. Announces Results for the First Quarter 2026 HARROGATE, TN - April 27, 2026 - Commercial Bancgroup, Inc. (“Commercial” or the “Company”) (Nasdaq: CBK), the parent company of Commercial Bank (the “Bank”), today announced net income of $9.5 million, or $0.70 per common share, for the first quarter of 2026, compared to net income of $8.7 million, or $0.7…
Read attachment ↗ea028776001ex99-2.htm · 8-K · 2026-04-27
EX-99.2 3 ea028776001ex99-2.htm INVESTOR PRESENTATION OF COMMERCIAL BANCGROUP, INC., DATED APRIL 27, 2026 Exhibit 99.2 1Q26 Earnings Presentation April 27, 2026 COMMERCIAL BANCGROUP, INC. 2 Important Notices and Disclaimers Use of Defined Terms As used in this presentation, the terms “Company,” “Commercial,” “we,” “our,” and “us” refer to Commercial Bancgroup, Inc., a Te nnessee corporation. The term “Bank” refers to Commercial Bank, the Company’s wholly owned bank subsidiary. Forward - Lo…
Read attachment ↗