Commercial Bancgroup, Inc.(CBK)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
CBK Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Commercial Bancgroup, Inc. (CBK), a Financials sector company. CBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Commercial Bancgroup, Inc. reports quarterly revenue of $23.1M, net income of $9.5M, an operating margin of 51.4%. Top institutional holders of CBK by reported 13-F value include ALLIANCEBERNSTEIN L.P., BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CBK trades on the Nasdaq exchange and files with the SEC under CIK 1981546. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Commercial Bancgroup, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$23.1M
Net Income
Q1 2026
$9.5M
Free Cash Flow
Q1 2026
$13.1M
Operating Margin
Q1 2026
51.4%
D/E Ratio
Q1 2026
0.40
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+18.4% YoYEPS (Diluted)
+16.1% YoYTotal Assets
-0.4% YoYTotal Debt
+52.8% YoYOp. Cash Flow
-4.1% YoY| Metric | FY 2025 | FY 2024 |
|---|---|---|
| Net Income | $37.2M +18.4% | $31.4M |
| EPS (Diluted) | $2.95 +16.1% | $2.54 |
| Total Assets | $2.29B -0.4% | $2.30B |
| Total Debt | $166.8M +52.8% | $109.2M |
| Operating Cash Flow | $37.1M -4.1% | $38.7M |
AI Insight: CBK Ratio Trends
Balance sheet deleveraged sharply while capital returns weakened—D/E halved in six months but ROE and ROA both fell.
• Debt-to-equity collapsed from 0.66 in Q3 2025 to 0.40 in Q1 2026, signaling aggressive deleveraging or capital raise.
• ROE declined from 14.2% in Q4 2025 to 13.0% in Q1 2026; ROA fell from 1.8% to 1.6% over same span.
• ROIC improved marginally from 10.9% to 11.5%, suggesting better asset productivity despite lower equity returns.
⚠ ROE and ROA deterioration in latest quarter—first visible decline; monitor whether Q1 reflects seasonal weakness or earnings headwind.
⚠ Rapid D/E reduction may indicate capital constraints or strategic reallocation; assess sustainability and impact on future shareholder returns.
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Available Research
13F Pro tracks comprehensive data for Commercial Bancgroup, Inc. including:
Top Institutional Holders of CBK
ALLIANCEBERNSTEIN L.P.
$25.3M1,029,526 shBlackRock, Inc.
$12.6M485,696 shVANGUARD CAPITAL MANAGEMENT LLC
$8.6M329,447 shMENDON CAPITAL ADVISORS CORP
$8.2M315,633 shPetiole USA ltd
$7.6M291,014 shRMB Capital Management, LLC
$7.5M289,649 shJACOBS ASSET MANAGEMENT, LLC
$7.2M278,454 shJBF Capital, Inc.
$6.5M250,000 shRAFFLES ASSOCIATES LP
$6.5M248,258 shPacific Ridge Capital Partners, LLC
$5.9M225,506 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $25.3M | 1,029,526 |
| BlackRock, Inc. | $12.6M | 485,696 |
| VANGUARD CAPITAL MANAGEMENT LLC | $8.6M | 329,447 |
| MENDON CAPITAL ADVISORS CORP | $8.2M | 315,633 |
| Petiole USA ltd | $7.6M | 291,014 |
| RMB Capital Management, LLC | $7.5M | 289,649 |
| JACOBS ASSET MANAGEMENT, LLC | $7.2M | 278,454 |
| JBF Capital, Inc. | $6.5M | 250,000 |
| RAFFLES ASSOCIATES LP | $6.5M | 248,258 |
| Pacific Ridge Capital Partners, LLC | $5.9M | 225,506 |
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Popular Research
Is CBK a good stock to buy?
13F Pro's AI-powered analysis of Commercial Bancgroup, Inc. (CBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CBK are available on the CBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CBK?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Commercial Bancgroup, Inc.'s investment landscape.