Commercial Financial Statements From 2010 to 2026

CBK Stock  USD 25.25  1.00  4.12%   
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

135.04 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 2.64, 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 B2.6 B2.2 B
Slightly volatile
Short and Long Term Debt Total103.4 M98.2 M141.2 M
Slightly volatile
Other Current Liabilities2.1 B2.2 B1.9 B
Slightly volatile
Total Current Liabilities2.1 B2.2 B1.9 B
Slightly volatile
Total Stockholder Equity225.8 M253.3 M197.9 M
Slightly volatile
Property Plant And Equipment Net41 M45.3 M51.1 M
Slightly volatile
Retained Earnings217.4 M244.2 M190.3 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
Non Currrent Assets Other122.9 M148.7 M101.2 M
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 Outstanding13.5 M14.2 M12.4 M
Slightly volatile
Short Term Investments83.5 M114.8 M60.4 M
Slightly volatile
Liabilities And Stockholders Equity2.5 B2.6 B2.2 B
Slightly volatile
Non Current Liabilities Total122.4 M121.3 M163.3 M
Slightly volatile
Other Stockholder Equity10.2 M10.8 M9.3 M
Slightly volatile
Total Liabilities2.2 B2.4 BB
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 Assets245.8 M277.7 M214.1 M
Slightly volatile
Capital Stock97.3 K109 K119.8 K
Slightly volatile
Short Term Debt3.8 M3.1 M5.6 M
Slightly volatile
Intangible Assets5.2 M4.9 M7.2 M
Slightly volatile
Common Stock97.3 K109 K119.8 K
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 Expense41.9 M52.5 M33.4 M
Slightly volatile
Selling General Administrative26.3 M29.9 M22.8 M
Slightly volatile
Total Revenue135 M153.3 M117.2 M
Slightly volatile
Gross Profit90.3 M98.8 M80.7 M
Slightly volatile
Other Operating Expenses90.9 M106.7 M76.8 M
Slightly volatile
Operating Income44.1 M46.7 M40.4 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
EBITDA48.6 M51.9 M44.2 M
Slightly volatile
Cost Of Revenue44.7 M54.6 M36.5 M
Slightly volatile
Total Operating Expenses46.2 M52.1 M40.3 M
Slightly volatile
Reconciled Depreciation4.5 M5.3 M3.8 M
Slightly volatile
Income Before Tax44.1 M46.7 M40.4 M
Slightly volatile
Net Income34.2 M36.1 M31.3 M
Slightly volatile
Income Tax Expense9.6 M10.2 M8.7 M
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 Ratio2.642.522.5779
Slightly volatile
Dividend Yield0.00480.00620.0053
Slightly volatile
PTB Ratio1.571.531.5249
Pretty Stable
Days Sales Outstanding25.5622.6326.0682
Slightly volatile
Book Value Per Share13.6616.2816.0628
Very volatile
Free Cash Flow Yield0.130.140.1237
Slightly volatile
Operating Cash Flow Per Share3.53.653.2368
Slightly volatile
Stock Based Compensation To Revenue0.00810.01450.0056
Slightly volatile
Capex To Depreciation0.860.760.8708
Slightly volatile
PB Ratio1.571.531.5249
Pretty Stable
EV To Sales2.552.32.5792
Slightly volatile
Free Cash Flow Per Share3.223.372.9751
Slightly volatile
ROIC0.06880.07960.0828
Slightly volatile
Net Income Per Share2.042.322.4835
Slightly volatile
Payables Turnover8.2110.119.3805
Pretty Stable
Sales General And Administrative To Revenue0.150.180.1908
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 Coverage1.21.021.2533
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
ROE0.170.160.1606
Pretty Stable
EV To Operating Cash Flow7.997.947.622
Very volatile
PE Ratio10.3510.79.6286
Slightly volatile
Return On Tangible Assets0.01530.01580.0142
Slightly volatile
EV To Free Cash Flow8.698.618.2938
Very volatile
Earnings Yield0.0880.09670.1037
Slightly volatile
Intangibles To Total Assets0.00740.0070.0073
Slightly volatile
Current Ratio0.0960.110.1119
Pretty Stable
Tangible Book Value Per Share12.6815.2514.7857
Very volatile
Receivables Turnover12.8616.714.0432
Slightly volatile
Graham Number24.8729.1729.6015
Pretty Stable
Shareholders Equity Per Share13.4916.2815.6875
Very volatile
Debt To Equity0.70.570.7495
Slightly volatile
Capex Per Share0.280.290.2623
Slightly volatile
Revenue Per Share8.069.869.2849
Pretty Stable
Interest Debt Per Share15.1114.6214.6539
Pretty Stable
Debt To Assets0.06350.05460.0657
Slightly volatile
Enterprise Value Over EBITDA7.026.86.8086
Pretty Stable
Short Term Coverage Ratios7.1410.266.9907
Slightly volatile
Price Earnings Ratio10.3510.79.6286
Slightly volatile
Operating Cycle25.5622.6326.0682
Slightly volatile
Price Book Value Ratio1.571.531.5249
Pretty Stable
Price Earnings To Growth Ratio3.133.523.8385
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 Margin0.360.350.351
Slightly volatile
Operating Profit Margin0.360.350.351
Slightly volatile
Effective Tax Rate0.180.20.2112
Slightly volatile
Company Equity Multiplier12.0912.0211.535
Very volatile
Long Term Debt To Capitalization0.420.370.4191
Slightly volatile
Total Debt To Capitalization0.430.380.4291
Slightly volatile
Return On Capital Employed0.0880.10.1069
Slightly volatile
Debt Equity Ratio0.70.570.7495
Slightly volatile
Ebit Per Revenue0.360.350.351
Slightly volatile
Quick Ratio0.0960.110.1119
Pretty Stable
Dividend Paid And Capex Coverage Ratio8.818.828.3585
Pretty Stable
Net Income Per E B T0.620.70.76
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 Ratio1.571.531.5249
Pretty Stable
Fixed Asset Turnover1.922.392.1775
Pretty Stable
Capital Expenditure Coverage Ratio10.011.4512.1251
Slightly volatile
Price Cash Flow Ratio6.036.87.3896
Slightly volatile
Enterprise Value Multiple7.026.86.8086
Pretty Stable
Debt Ratio0.06350.05460.0657
Slightly volatile
Cash Flow To Debt Ratio0.250.320.2689
Slightly volatile
Price Sales Ratio2.642.522.5779
Slightly volatile
Return On Assets0.01520.01570.0141
Slightly volatile
Asset Turnover0.04360.05210.0511
Very volatile
Net Profit Margin0.280.270.2715
Pretty Stable
Gross Profit Margin0.740.64410.7003
Pretty Stable
Price Fair Value1.571.531.5249
Pretty Stable
Return On Equity0.170.160.1606
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 Revenue153.3 M135 M
Cost Of Revenue54.6 M44.7 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.18  0.15 
Capex To Revenue 0.03  0.03 
Revenue Per Share 9.86  8.06 
Ebit Per Revenue 0.35  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 Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.
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.