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Friday 6 November 2026
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Commercial Bancgroup, Inc.
Commercial Bancgroup, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $131.5 million, down 1.91% from fiscal 2024.
- Revenue
- +4.55%
- EPS
- +3.01%
- Free cash flow
- +28.4%
- Total debt
- −31.2%
Quarter to September 2026, against a year earlier
32.66
0.86
−2.57%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 112 | 134 | 132 | 132 | +8.2% | 98 | 103 | 108 | (6.5%) | |
| Gross margin, % | — | — | — | — | — | — | — | 72.80 | 65.97 | 68.70 | 72.86 | (4.1) pt | ||||||
| EBT | — | — | — | — | — | — | — | 40 | 41 | 47 | 51 | +9.3% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 35.36 | 30.26 | 36.05 | 38.72 | +0.7 pt | ||||||
| Net income | — | — | — | — | — | — | — | 31 | 32 | 37 | 39 | +9.2% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 9.21 | 11.00 | 10.44 | 9.60 | +6.4% | |||||
| Earnings | — | — | — | — | — | — | — | 2.56 | 2.60 | 2.93 | 2.96 | +7.0% | ||||||
| Cash flow | — | — | — | — | — | — | — | 3.19 | 3.17 | 2.94 | 0.00 | (4.0%) | ||||||
| Capex | — | — | — | — | — | — | — | (0.25) | 0.04 | (0.13) | 0.00 | (29.6%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 2.94 | 3.21 | 2.82 | 0.00 | (2.1%) | ||||||
| Book value | — | — | — | — | — | — | — | 16.06 | 18.07 | 22.64 | 22.72 | +18.7% | ||||||
| Shares, m | — | — | — | — | — | — | — | 12 | 12 | 13 | 13 | +1.7% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 8.09 | 8.09 | 8.37 | 11.02 | 8.2 | |||||
| P/S | — | — | — | — | — | — | — | 2.22 | 2.22 | 2.35 | 3.40 | 2.3 | ||||||
| P/B | — | — | — | — | — | — | — | 1.20 | 1.20 | 1.08 | 1.44 | 1.2 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 1.81 | 1.81 | 1.85 | — | 1.8 | ||||||
| EV/FCF | — | — | — | — | — | — | — | 6.11 | 6.11 | 6.87 | — | 6.4 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 39 | 39 | 37 | 41 | (2.3%) | |||||
| Capex | — | — | — | — | — | — | — | (3) | 0 | (2) | (2) | (28.4%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 36 | 39 | 36 | 39 | (0.4%) | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 4 | 28 | 100 | 115 | +376.5% | |||||
| Net debt | — | — | — | — | — | — | — | (13) | (72) | (66) | (114) | +127.3% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | 196 | 220 | 285 | 311 | +20.7% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 1.40 | 1.62 | 1.75 | +1.6 pt | |||||
| ROIC | — | — | — | — | — | — | — | 13.55 | 17.15 | 13.49 | 16.03 | (0.1) pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 15.10 | 14.71 | 14.65 | +14.7 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 298 | 298 | — | 0.0% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.45 | 0.44 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026
Commercial Bancgroup, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| HBCP Home Bancorp, Inc. | $478.0M | 10.6× | 10.7× | +1.86% (above 0%: growing) | −18.75% (below 0%: shrinking) | +17.52% (above 0%: growing) | 74.37% | 0.00% | Compare |
| BMRC Bank of Marin Bancorp | $463.9M | — (loss-making) | 11.9× | +10.24% (above 0%: growing) | +31.91% (above 0%: growing) | +32.70% (above 0%: growing) | 0.00% | 0.00% | Compare |
| PBFS Pioneer Bancorp, Inc. | $453.0M | 26.2× | 24.0× | +17.36% (above 0%: growing) | −46.15% (below 0%: shrinking) | +217.72% (above 0%: growing) | 75.84% | 0.00% | Compare |
| AVBC Avidia Bancorp, Inc. | $451.5M | 23.9× | 15.4× | +5.48% (above 0%: growing) | — | +391.37% (above 0%: growing) | 76.31% | 0.00% | Compare |
| CBK Commercial Bancgroup, Inc. | $447.5M | 11.0× | 10.9× | +4.55% (above 0%: growing) | +3.01% (above 0%: growing) | +28.43% (above 0%: growing) | 73.79% | 0.00% | |
| PLBC Plumas Bancorp | $435.6M | 10.4× | 10.7× | +5.59% (above 0%: growing) | +121.62% (above 0%: growing) | +204.74% (above 0%: growing) | 86.67% | 0.00% | Compare |
| SUPV Grupo Supervielle S.A. | $433.5M | — (loss-making) | — | −1.93% (below 0%: shrinking) | −28.57% (below 0%: shrinking) | −129.06% (below 0%: shrinking) | 64.28% | 0.00% | Compare |
| RBB RBB Bancorp | $432.5M | 10.5× | 10.1× | −4.00% (below 0%: shrinking) | +13.21% (above 0%: growing) | +4.05% (above 0%: growing) | 55.01% | 0.00% | Compare |
| PCB PCB Bancorp | $424.1M | 10.2× | 9.9× | +2.13% (above 0%: growing) | +8.86% (above 0%: growing) | −6.30% (below 0%: shrinking) | 57.79% | 0.00% | Compare |
| Median of peers | $443.6M | 10.5× | 10.7× | +3.81% | +8.86% | +25.11% | 69.33% | 0.00% |
Pay and ownership Proxy statement filed 31 March 2026
Ownership
Directors and executive officers, together
36.20%
Martha S. Spurlock
9.20%
AllianceBernstein L.P.
9.10%
J. Adam Robertson
8.50%
Unified Shares, LLC
8.50%
Aaron A. Robertson
8.10%
Edwin G. Robertson Children’s Irrevocable Trust
8.10%
Craig E. Robertson Children’s Irrevocable Trust
8.00%
T. Rowe Price Investment Management, Inc.
5.80%
Terry L. Lee
5.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement