Commercial Financial Statements From 2010 to 2026

CBK Stock  USD 26.26  0.62  2.31%   
Analyzing historical trends in various income statement and balance sheet accounts from Commercial Bancgroup's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Commercial Bancgroup's valuation are summarized below:
Commercial Bancgroup Common does not presently have any fundamental signals for analysis.

Commercial Bancgroup Total Revenue

138.26 Million

Check Commercial Bancgroup financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Commercial Bancgroup's main balance sheet or income statement drivers, such as Tax Provision of 9.6 M, Net Interest Income of 82.3 M or Interest Income of 124.2 M, as well as many indicators such as Price To Sales Ratio of 2.71, Dividend Yield of 0.0048 or PTB Ratio of 1.49. Commercial financial statements analysis is a perfect complement when working with Commercial Bancgroup Valuation or Volatility modules.
Check out the analysis of Commercial Bancgroup Correlation against competitors.

Commercial Bancgroup Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.5 B2.3 B2.2 B
Slightly volatile
Short and Long Term Debt Total155.9 M166.8 M148.3 M
Very volatile
Other Current Liabilities1.2 B916.9 M1.7 B
Slightly volatile
Total Current Liabilities1.3 BB1.8 B
Slightly volatile
Total Stockholder Equity255.1 M285.1 M201.5 M
Slightly volatile
Property Plant And Equipment Net40.6 M49.8 M51.3 M
Slightly volatile
Retained Earnings235.6 M247.3 M191.5 M
Slightly volatile
Accounts Payable4.3 M4.9 M3.8 M
Slightly volatile
Cash111.8 M121 M141.1 M
Slightly volatile
Non Current Assets Total2.2 B2.4 BB
Slightly volatile
Long Term Debt99.6 M95.2 M135.6 M
Slightly volatile
Cash And Short Term Investments237.3 M269.4 M205.9 M
Slightly volatile
Net Receivables6.2 M6.5 MM
Slightly volatile
Good Will9.4 M9.8 M8.6 M
Slightly volatile
Common Stock Shares Outstanding14.1 M13.8 M12.4 M
Slightly volatile
Short Term Investments83.5 M114.8 M60.4 M
Slightly volatile
Liabilities And Stockholders Equity2.5 B2.3 B2.2 B
Slightly volatile
Non Current Liabilities Total122.4 M121.3 M163.3 M
Slightly volatile
Other Stockholder Equity20.8 M38.4 M11.5 M
Slightly volatile
Total Liabilities2.2 BBB
Slightly volatile
Net Invested Capital263.8 M293.4 M326.7 M
Slightly volatile
Long Term Investments154.7 M158.5 M202.3 M
Slightly volatile
Property Plant And Equipment Gross64.9 M70.7 M81.5 M
Slightly volatile
Total Current Assets157.7 M144.6 M201.1 M
Slightly volatile
Capital Stock97.3 K109 K119.8 K
Slightly volatile
Short Term Debt92.7 M88.3 M15.8 M
Slightly volatile
Intangible Assets9.5 M12.8 M7.9 M
Slightly volatile
Common Stock139.4 K137 K124 K
Slightly volatile
Other Assets1.7 B1.9 B2.1 B
Slightly volatile
Other Current Assets115.7 M130.1 M142 M
Slightly volatile

Commercial Bancgroup Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Tax Provision9.6 M10.2 M8.7 M
Slightly volatile
Net Interest Income82.3 M89.2 M74 M
Slightly volatile
Interest Income124.2 M141.7 M107.4 M
Slightly volatile
Depreciation And Amortization4.5 M5.3 M3.8 M
Slightly volatile
Interest Expense43 M41.2 M32.8 M
Slightly volatile
Selling General Administrative27.1 M26 M22.6 M
Slightly volatile
Total Revenue138.3 M131.5 M116.1 M
Slightly volatile
Gross Profit93.3 M90.2 M80.4 M
Slightly volatile
Other Operating Expenses91.3 M83.8 M75.5 M
Slightly volatile
Operating Income46.9 M47.7 M40.6 M
Slightly volatile
Net Income From Continuing Ops34.6 M36.4 M31.7 M
Slightly volatile
EBIT44.1 M46.7 M40.4 M
Slightly volatile
EBITDA49.9 M47.7 M44 M
Slightly volatile
Cost Of Revenue45 M41.3 M35.7 M
Slightly volatile
Total Operating Expenses46.4 M42.5 M39.8 M
Slightly volatile
Reconciled Depreciation4.5 M5.3 M3.8 M
Slightly volatile
Income Before Tax46.9 M47.7 M40.6 M
Slightly volatile
Net Income36.3 M36.9 M31.4 M
Slightly volatile
Income Tax Expense10.3 M10.8 M8.7 M
Slightly volatile
Total Other Income Expense Net30.4 K34.2 K37.3 K
Slightly volatile

Commercial Bancgroup Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Change In Cash19 M20 M81 M
Slightly volatile
Stock Based Compensation1.4 M2.5 M733 K
Slightly volatile
Free Cash Flow28.5 M32.1 M35.1 M
Slightly volatile
Begin Period Cash Flow119.8 M179.3 M77.8 M
Slightly volatile
Other Cashflows From Financing Activities115.7 M101.7 M164.5 M
Slightly volatile
Depreciation4.5 M5.3 M3.8 M
Slightly volatile
Other Non Cash Items1.7 M861.8 KM
Slightly volatile
Dividends Paid1.9 M2.3 M1.6 M
Slightly volatile
Capital Expenditures2.5 M2.7 M3.1 M
Slightly volatile
Total Cash From Operating Activities31 M34.8 M38.2 M
Slightly volatile
Net Income34.6 M36.4 M31.7 M
Slightly volatile
Total Cash From Financing Activities100.6 M61.7 M164.4 M
Slightly volatile
End Period Cash Flow183.8 M204.9 M161.8 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.712.58342.5858
Pretty Stable
Dividend Yield0.00480.00620.0053
Slightly volatile
PTB Ratio1.491.19191.5003
Slightly volatile
Days Sales Outstanding25.5622.6326.0682
Slightly volatile
Book Value Per Share14.6120.605216.3731
Slightly volatile
Free Cash Flow Yield0.130.140.1237
Slightly volatile
Operating Cash Flow Per Share3.53.653.2368
Slightly volatile
Average Payables1.7 M1.9 M2.1 M
Slightly volatile
Stock Based Compensation To Revenue0.00810.01450.0056
Slightly volatile
Capex To Depreciation0.860.760.8708
Slightly volatile
PB Ratio1.491.19191.5003
Slightly volatile
EV To Sales2.263.85182.6535
Very volatile
Free Cash Flow Per Share3.223.372.9751
Slightly volatile
Net Income Per Share2.072.672.5059
Pretty Stable
Payables Turnover8.2110.119.3805
Pretty Stable
Sales General And Administrative To Revenue0.160.19790.1924
Slightly volatile
Capex To Revenue0.02810.02620.0278
Slightly volatile
Cash Per Share14.1717.3216.3126
Pretty Stable
POCF Ratio6.036.87.3896
Slightly volatile
Interest Coverage1.231.15931.2633
Slightly volatile
Payout Ratio0.0450.05740.0499
Slightly volatile
Capex To Operating Cash Flow0.0880.09040.0822
Slightly volatile
PFCF Ratio6.557.388.0409
Slightly volatile
Days Payables Outstanding39.537.3738.8251
Slightly volatile
Income Quality1.351.41.2596
Slightly volatile
ROE0.150.12960.1576
Slightly volatile
EV To Operating Cash Flow7.997.947.622
Very volatile
PE Ratio10.279.19849.5355
Pretty Stable
Return On Tangible Assets0.01180.01620.014
Very volatile
EV To Free Cash Flow8.698.618.2938
Very volatile
Earnings Yield0.0880.10870.1044
Slightly volatile
Intangibles To Total Assets0.0070.00560.0071
Slightly volatile
Current Ratio0.10.14380.1141
Slightly volatile
Tangible Book Value Per Share13.719.682515.1064
Slightly volatile
Receivables Turnover12.8616.714.0432
Slightly volatile
Graham Number25.9635.183430.0194
Pretty Stable
Shareholders Equity Per Share14.4920.605216.0008
Slightly volatile
Debt To Equity0.680.58520.7493
Slightly volatile
Capex Per Share0.280.290.2623
Slightly volatile
Revenue Per Share7.919.50689.2553
Very volatile
Interest Debt Per Share11.3415.034314.4565
Slightly volatile
Debt To Assets0.05020.07280.066
Slightly volatile
Enterprise Value Over EBITDA6.2310.61466.9865
Pretty Stable
Short Term Coverage Ratios7.1410.266.9907
Slightly volatile
Price Earnings Ratio10.279.19849.5355
Pretty Stable
Operating Cycle25.5622.6326.0682
Slightly volatile
Price Book Value Ratio1.491.19191.5003
Slightly volatile
Price Earnings To Growth Ratio0.640.67813.5249
Slightly volatile
Days Of Payables Outstanding39.537.3738.8251
Slightly volatile
Dividend Payout Ratio0.0450.05740.0499
Slightly volatile
Price To Operating Cash Flows Ratio6.036.87.3896
Slightly volatile
Price To Free Cash Flows Ratio6.557.388.0409
Slightly volatile
Pretax Profit Margin0.270.36290.3465
Slightly volatile
Operating Profit Margin0.270.36290.3465
Slightly volatile
Effective Tax Rate0.180.2260.2127
Pretty Stable
Company Equity Multiplier11.018.036511.2371
Slightly volatile
Long Term Debt To Capitalization0.350.21610.4059
Slightly volatile
Total Debt To Capitalization0.420.36920.4278
Slightly volatile
Return On Capital Employed0.03530.03710.1001
Slightly volatile
Debt Equity Ratio0.680.58520.7493
Slightly volatile
Ebit Per Revenue0.270.36290.3465
Slightly volatile
Quick Ratio0.10.14380.1141
Slightly volatile
Dividend Paid And Capex Coverage Ratio8.818.828.3585
Pretty Stable
Net Income Per E B T0.620.7740.7643
Slightly volatile
Cash Ratio0.08160.07940.0788
Pretty Stable
Operating Cash Flow Sales Ratio0.350.330.3425
Slightly volatile
Days Of Sales Outstanding25.5622.6326.0682
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.740.830.903
Slightly volatile
Cash Flow Coverage Ratios0.250.320.2689
Slightly volatile
Price To Book Ratio1.491.19191.5003
Slightly volatile
Fixed Asset Turnover1.982.64312.1959
Slightly volatile
Capital Expenditure Coverage Ratio10.011.4512.1251
Slightly volatile
Price Cash Flow Ratio6.036.87.3896
Slightly volatile
Enterprise Value Multiple6.2310.61466.9865
Pretty Stable
Debt Ratio0.05020.07280.066
Slightly volatile
Cash Flow To Debt Ratio0.250.320.2689
Slightly volatile
Price Sales Ratio2.712.58342.5858
Pretty Stable
Return On Assets0.01170.01610.0139
Very volatile
Asset Turnover0.04440.05740.0515
Pretty Stable
Net Profit Margin0.210.28090.268
Slightly volatile
Gross Profit Margin0.750.68580.6977
Very volatile
Price Fair Value1.491.19191.5003
Slightly volatile
Return On Equity0.150.12960.1576
Slightly volatile

Commercial Bancgroup Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap271.8 M305.8 M333.8 M
Slightly volatile
Enterprise Value405.3 M456 M497.7 M
Slightly volatile

About Commercial Bancgroup Financial Statements

Commercial Bancgroup investors utilize fundamental indicators, such as revenue or net income, to predict how Commercial Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue131.5 M138.3 M
Cost Of Revenue41.3 M45 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.20  0.16 
Capex To Revenue 0.03  0.03 
Revenue Per Share 9.51  7.91 
Ebit Per Revenue 0.36  0.27 

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When determining whether Commercial Bancgroup is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Commercial Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Commercial Bancgroup Common Stock. Highlighted below are key reports to facilitate an investment decision about Commercial Bancgroup Common Stock:
Check out the analysis of Commercial Bancgroup Correlation against competitors.
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Is Diversified Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Commercial Bancgroup. Projected growth potential of Commercial fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Commercial Bancgroup assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Commercial Bancgroup's market price often diverges from its book value, the accounting figure shown on Commercial's balance sheet. Smart investors calculate Commercial Bancgroup's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Commercial Bancgroup's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Commercial Bancgroup's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Commercial Bancgroup should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Commercial Bancgroup's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.