US · CBK
Commercial Bancgroup, Inc. Common Stock
- Sector
- Financial Services · Banks
- Headquarters
- Harrogate, TN 37752
- Website
- cbtn.com
Price · as of 2024-12-31
$29.00
Market cap 356.28M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | — | — |
| Intrinsic Value(DCF) | — | — |
| Graham-Dodd Method(GD) | $27.83 | -4.05% |
| Graham Formula(GF) | $67.37 | +132.32% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
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| 2024 | $27.82 | $67.37 |
AI valuation
Our deep-learning model estimates Commercial Bancgroup, Inc. Common Stock's (CBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- —
- Current price
- $29.00
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
—
— upside
Graham-Dodd
$27.83
-4.05% upside
Graham Formula
$67.37
+132.32% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CBK | Commercial Bancgroup, Inc… | $29.00 | 356.28M | — | — | -4% | +132% | — | — | — | — | — | — | 64.41% | 30.43% | 23.56% | 15.43% | 26.67% | 1.41% | 0.50 | 0.89 | 0.12 | 0.12 | -0.56 | 120.00% | 1883.00% | -24.00% | — | 0.02 | 29.99% | — | 6.30% | — | — | — | — | — |
| BWFG | Bankwell Financial Group,… | $46.70 | 367.88M | -50% | -25% | -38% | -75% | 23.27 | 0.84 | 1.16 | 3.60 | — | 0.85 | 32.90% | 6.81% | 4.99% | 3.64% | 7.74% | 0.30% | 0.59 | 0.12 | 0.12 | 0.12 | -7.84 | -7366.00% | 125.00% | -187.00% | 12.90% | 0.01 | 23.24% | 2.76% | 64.30% | 15.05% | 4.61 | 2.10 | 0.31 | -0.71 |
| FMAO | Farmers & Merchants Banco… | $25.86 | 355.57M | +285% | +15% | +27% | +39% | 11.09 | 1.00 | 1.95 | 3.53 | 13.95 | 1.32 | 62.27% | 22.49% | 17.61% | 9.44% | 34.43% | 0.98% | 0.81 | 0.61 | — | — | 4.76 | 7947.00% | 710.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 3.53 | — | 0.79 | 0.45 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| OBT | Orange County Bancorp, In… | $33.21 | 443.91M | +54% | +73% | -36% | +26% | 9.48 | 1.42 | 1.85 | -5.08 | — | 1.47 | 69.83% | 24.33% | 19.49% | 15.89% | -11.54% | 1.12% | 0.77 | 0.98 | 0.27 | 0.27 | -0.20 | -573.00% | 917.00% | -1975.00% | 12.44% | 0.02 | -13.60% | 2.02% | 19.10% | 45.32% | -5.37 | -5.68 | -1.31 | -0.55 |
| PBFS | Pioneer Bancorp, Inc. | $14.11 | 353.89M | +218% | +67% | +2% | -0% | 18.21 | 0.94 | 2.82 | -5.96 | — | 0.98 | 75.17% | 19.67% | 15.46% | 5.42% | -7.17% | 0.81% | 0.00 | 0.89 | 0.27 | 0.27 | -6.89 | -2989.00% | 1587.00% | -1088.00% | 8.28% | 0.02 | -10.81% | 0.00% | 0.00% | 1.55% | -6.75 | -5.70 | -1.33 | -0.40 |
| PCB | PCB Bancorp | $22.36 | 318.87M | +325% | +123% | +82% | +97% | 8.50 | 0.82 | 1.52 | 3.91 | 17.61 | 0.83 | 53.34% | 25.07% | 17.89% | 9.94% | 22.77% | 1.18% | 0.18 | 0.56 | 0.16 | 0.16 | 0.89 | 4828.00% | 910.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.91 | — | 0.98 | -0.11 |
| PDLB | Ponce Financial Group, In… | $16.25 | 390.02M | +46% | +41% | +51% | -5% | 26.30 | 0.57 | 1.72 | 32.82 | 12.72 | 0.57 | 47.70% | 9.38% | 6.56% | 2.20% | 1.19% | 0.38% | 1.24 | 0.18 | 0.14 | 0.14 | 23.83 | 20667.00% | 2441.00% | -2611.00% | 1.56% | 0.00 | 0.49% | 0.20% | 5.40% | 31.73% | 42.73 | 149.14 | 4.01 | -0.45 |
| RBB | RBB Bancorp | $21.50 | 366.51M | +61% | -0% | +1% | -56% | 11.51 | 0.60 | 1.32 | 7.25 | — | 0.71 | 45.19% | 15.38% | 11.49% | 5.23% | 6.31% | 0.67% | 0.72 | 0.30 | 0.12 | 0.12 | 2.36 | -3438.00% | -175.00% | 1396.00% | 18.81% | 0.02 | 13.66% | 3.82% | 44.00% | 10.56% | 9.13 | 5.64 | 1.40 | -0.59 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
About Commercial Bancgroup, Inc. Common Stock
Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank that provides a range of banking and financial services to individual and corporate customers in Kentucky, North Carolina, and Tennessee. It accepts various deposit products, including demand deposits accounts, interest-bearing products, savings accounts, and certificates of deposit products. The company also offers real estate, commercial, and consumer loans. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989. The company was incorporated in 1975 and is based in Harrogate, Tennessee.
- CEO
- Terry L. Lee
- Employees
- 282
- Beta
- 4.01
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as (— ÷ $29.00) − 1 = — (DCF, example).