Commercial Financial Statements From 2010 to 2025

CBK Stock  USD 24.35  0.15  0.61%   
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.
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 2.64, Dividend Yield of 0.0048 or PTB Ratio of 1.57. 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 Total103.4 M109.2 M143.9 M
Slightly volatile
Other Current Liabilities2.1 B1.9 B1.8 B
Slightly volatile
Total Current Liabilities2.1 B1.9 B1.9 B
Slightly volatile
Total Stockholder Equity225.8 M220.3 M194.5 M
Slightly volatile
Property Plant And Equipment Net41 M50.3 M51.4 M
Slightly volatile
Retained Earnings217.4 M212.3 M186.9 M
Slightly volatile
Accounts Payable4.3 M4.2 M3.7 M
Slightly volatile
Cash111.8 M134.5 M142.3 M
Slightly volatile
Non Current Assets Total2.2 B2.1 BB
Slightly volatile
Non Currrent Assets Other122.9 M129.3 M98.2 M
Slightly volatile
Long Term Debt99.6 M105.8 M138.2 M
Slightly volatile
Cash And Short Term Investments237.3 M234.3 M202 M
Slightly volatile
Net Receivables6.2 M7.2 MM
Slightly volatile
Good Will9.4 M8.5 M8.6 M
Slightly volatile
Common Stock Shares Outstanding13.5 M12.4 M12.3 M
Slightly volatile
Short Term Investments83.5 M99.8 M57 M
Slightly volatile
Liabilities And Stockholders Equity2.5 B2.3 B2.2 B
Slightly volatile
Non Current Liabilities Total122.4 M134.7 M165.9 M
Slightly volatile
Other Stockholder Equity10.2 M9.4 M9.2 M
Slightly volatile
Total Liabilities2.2 B2.1 BB
Slightly volatile
Net Invested Capital263.8 M326 M328.8 M
Slightly volatile
Long Term Investments154.7 M176.2 M205 M
Slightly volatile
Property Plant And Equipment Gross64.9 M78.5 M82.1 M
Slightly volatile
Total Current Assets245.8 M241.5 M210.1 M
Slightly volatile
Capital Stock97.3 K121.1 K120.5 K
Slightly volatile
Short Term Debt3.8 M3.4 M5.7 M
Slightly volatile
Intangible Assets5.2 M5.4 M7.3 M
Slightly volatile
Common Stock97.3 K121.1 K120.5 K
Slightly volatile

Commercial Bancgroup, Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Tax Provision9.6 M8.9 M8.6 M
Slightly volatile
Net Interest Income82.3 M77.6 M73.1 M
Slightly volatile
Interest Income124.2 M123.2 M105.3 M
Slightly volatile
Depreciation And Amortization4.5 M4.6 M3.7 M
Slightly volatile
Interest Expense41.9 M45.6 M32.2 M
Slightly volatile
Selling General Administrative26.3 M26 M22.3 M
Slightly volatile
Total Revenue135 M133.3 M115 M
Slightly volatile
Gross Profit90.3 M85.9 M79.6 M
Slightly volatile
Other Operating Expenses90.9 M92.8 M74.9 M
Slightly volatile
Operating Income44.1 M40.6 M40 M
Slightly volatile
Net Income From Continuing Ops34.6 M31.7 M31.5 M
Slightly volatile
EBIT44.1 M40.6 M40 M
Slightly volatile
EBITDA48.6 M45.2 M43.7 M
Slightly volatile
Cost Of Revenue44.7 M47.5 M35.3 M
Slightly volatile
Total Operating Expenses46.2 M45.3 M39.6 M
Slightly volatile
Reconciled Depreciation4.5 M4.6 M3.7 M
Slightly volatile
Income Before Tax44.1 M40.6 M40 M
Slightly volatile
Net Income34.2 M31.4 M31 M
Slightly volatile
Income Tax Expense9.6 M8.9 M8.6 M
Slightly volatile

Commercial Bancgroup, Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Change In Cash21.1 M22.3 M85 M
Slightly volatile
Stock Based Compensation1.4 M2.1 M624.7 K
Slightly volatile
Free Cash Flow28.5 M35.6 M35.3 M
Slightly volatile
Begin Period Cash Flow119.8 M155.9 M71.4 M
Slightly volatile
Other Cashflows From Financing Activities115.7 M113 M168.4 M
Slightly volatile
Depreciation4.5 M4.6 M3.7 M
Slightly volatile
Other Non Cash Items1.7 M957.6 K3.1 M
Slightly volatile
Capital Expenditures2.5 MM3.1 M
Slightly volatile
Total Cash From Operating Activities31 M38.7 M38.4 M
Slightly volatile
Net Income34.6 M31.7 M31.5 M
Slightly volatile
Total Cash From Financing Activities100.6 M68.5 M170.8 M
Slightly volatile
End Period Cash Flow183.8 M178.2 M159.1 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.642.19142.5815
Slightly volatile
Dividend Yield0.00480.00690.0052
Slightly volatile
PTB Ratio1.571.32661.5246
Slightly volatile
Days Sales Outstanding25.5619.675526.2831
Slightly volatile
Book Value Per Share13.6618.091716.0492
Very volatile
Free Cash Flow Yield0.130.1220.1227
Slightly volatile
Operating Cash Flow Per Share3.53.17683.211
Slightly volatile
Stock Based Compensation To Revenue0.00810.01610.0051
Slightly volatile
Capex To Depreciation0.860.6620.8778
Slightly volatile
PB Ratio1.571.32661.5246
Slightly volatile
EV To Sales2.552.00172.5967
Slightly volatile
Free Cash Flow Per Share3.222.9272.9504
Slightly volatile
ROIC0.06880.08840.083
Slightly volatile
Net Income Per Share2.042.582.4938
Slightly volatile
Payables Turnover8.2111.23359.335
Pretty Stable
Sales General And Administrative To Revenue0.150.1950.1914
Slightly volatile
Capex To Revenue0.02810.02280.0279
Slightly volatile
Cash Per Share14.1719.243716.2497
Very volatile
POCF Ratio6.037.55477.4264
Slightly volatile
Interest Coverage1.20.88921.2679
Slightly volatile
Payout Ratio0.0450.06380.0494
Pretty Stable
Capex To Operating Cash Flow0.0880.07860.0817
Pretty Stable
PFCF Ratio6.558.19948.0822
Slightly volatile
Days Payables Outstanding39.532.492238.916
Slightly volatile
Income Quality1.351.22061.2508
Slightly volatile
ROE0.170.14260.1606
Pretty Stable
EV To Operating Cash Flow7.996.90087.6022
Pretty Stable
PE Ratio10.359.30239.5616
Slightly volatile
Return On Tangible Assets0.01530.01370.0141
Slightly volatile
EV To Free Cash Flow8.697.48978.274
Pretty Stable
Earnings Yield0.0880.10750.1041
Slightly volatile
Intangibles To Total Assets0.00740.00610.0073
Slightly volatile
Current Ratio0.0960.12410.112
Pretty Stable
Tangible Book Value Per Share12.6816.946414.7567
Very volatile
Receivables Turnover12.8618.55113.8772
Slightly volatile
Graham Number24.8732.407229.6285
Pretty Stable
Shareholders Equity Per Share13.4918.091715.6505
Very volatile
Debt To Equity0.70.49560.7608
Slightly volatile
Capex Per Share0.280.24980.2606
Pretty Stable
Revenue Per Share8.0610.95189.249
Very volatile
Interest Debt Per Share15.1112.714714.656
Slightly volatile
Debt To Assets0.06350.04740.0664
Slightly volatile
Enterprise Value Over EBITDA7.025.90926.8091
Slightly volatile
Short Term Coverage Ratios7.1411.40366.7864
Slightly volatile
Price Earnings Ratio10.359.30239.5616
Slightly volatile
Operating Cycle25.5619.675526.2831
Slightly volatile
Price Book Value Ratio1.571.32661.5246
Slightly volatile
Price Earnings To Growth Ratio3.133.523.8342
Slightly volatile
Days Of Payables Outstanding39.532.492238.916
Slightly volatile
Dividend Payout Ratio0.0450.06380.0494
Pretty Stable
Price To Operating Cash Flows Ratio6.037.55477.4264
Slightly volatile
Price To Free Cash Flows Ratio6.558.19948.0822
Slightly volatile
Pretax Profit Margin0.360.30430.3511
Slightly volatile
Operating Profit Margin0.360.30430.3511
Slightly volatile
Effective Tax Rate0.180.2190.2119
Slightly volatile
Company Equity Multiplier12.0910.447911.5047
Pretty Stable
Long Term Debt To Capitalization0.420.32440.4222
Slightly volatile
Total Debt To Capitalization0.430.33140.4321
Slightly volatile
Return On Capital Employed0.0880.11430.1073
Slightly volatile
Debt Equity Ratio0.70.49560.7608
Slightly volatile
Ebit Per Revenue0.360.30430.3511
Slightly volatile
Quick Ratio0.0960.12410.112
Pretty Stable
Dividend Paid And Capex Coverage Ratio8.817.66818.3297
Very volatile
Net Income Per E B T0.620.77420.7637
Slightly volatile
Cash Ratio0.08160.06910.0788
Pretty Stable
Operating Cash Flow Sales Ratio0.350.29010.3433
Slightly volatile
Days Of Sales Outstanding25.5619.675526.2831
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.740.92140.9076
Slightly volatile
Cash Flow Coverage Ratios0.250.35430.2657
Slightly volatile
Price To Book Ratio1.571.32661.5246
Slightly volatile
Fixed Asset Turnover1.922.65132.1642
Pretty Stable
Capital Expenditure Coverage Ratio10.012.717812.1673
Slightly volatile
Price Cash Flow Ratio6.037.55477.4264
Slightly volatile
Enterprise Value Multiple7.025.90926.8091
Slightly volatile
Debt Ratio0.06350.04740.0664
Slightly volatile
Cash Flow To Debt Ratio0.250.35430.2657
Slightly volatile
Price Sales Ratio2.642.19142.5815
Slightly volatile
Return On Assets0.01520.01360.014
Slightly volatile
Asset Turnover0.04360.05790.051
Very volatile
Net Profit Margin0.280.23560.2716
Slightly volatile
Gross Profit Margin0.740.64410.6978
Very volatile
Price Fair Value1.571.32661.5246
Slightly volatile
Return On Equity0.170.14260.1606
Pretty Stable

Commercial Fundamental Market Drivers

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 Revenue133.3 M135 M
Cost Of Revenue47.5 M44.7 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.20  0.15 
Capex To Revenue 0.02  0.03 
Revenue Per Share 10.95  8.06 
Ebit Per Revenue 0.30  0.36 

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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.
You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
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,. If investors know Commercial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Commercial Bancgroup, listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Commercial Bancgroup, is measured differently than its book value, which is the value of Commercial that is recorded on the company's balance sheet. Investors also form their own opinion of Commercial Bancgroup,'s value that differs from its market value or its book value, called intrinsic value, which is Commercial Bancgroup,'s true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Commercial Bancgroup,'s market value can be influenced by many factors that don't directly affect Commercial Bancgroup,'s underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Commercial Bancgroup,'s value and its price as these two are different measures arrived at by different means. Investors typically determine if Commercial Bancgroup, is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. 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.