Commercial Bancgroup, Inc. (CBK) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Commercial Bancgroup, Inc. stock $21.09, price $33.52, that is 37.1% below the price, quality 63 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Commercial Bancgroup, Inc.
CBK · USOur calculation puts a fair price 37% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
13‑month range $23.35 – $35.31 · fair‑value band $18.67 – $26.01 · the $33.52 price screens above the $21.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
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 the United States.
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The company accepts various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit products.
It also offers real estate, commercial, and consumer loans, such as installment loans, secured and unsecured personal lines of credit, and overdraft protection lines.
In addition, the company provides treasury management services, remote deposit capture, internet and commercial banking, automated teller machines, and other banking services. The company was formerly known as Harrogate Corporation and changed its name to Commercial Bancgroup, Inc. in April 1989.
Commercial Bancgroup, Inc. was incorporated in 1975 and is based in Harrogate, Tennessee.
Stock analysis
Commercial Bancgroup, Inc. (CBK) currently trades at $33.52, while our model-based Fair Value estimate is $21.09, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $26.94 per share, and 1 of the 6 models we run sit above the $33.52 price.
Bear case: the Asset-Based group reads lowest at $12.89, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $18.67 (bear) to $26.01 (bull), the price of $33.52 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Commercial Bancgroup, Inc. Common Stock reported revenue of $132M in FY2025 versus $112M in FY2023, a compound +8.3%/yr. Reported net income was $37.2M in FY2025, compounding +10.1%/yr from FY2023.
Key figures
Market cap $460M Small · P/E ratio 11.4 · P/S ratio 4.87 · EPS (TTM) $2.95 · Dividend yield 0.9% · Net margin 43.1% · Return on equity 14.7% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −37%, CBK screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors bought shares worth $63,603, most recently on Sep 16, 2026. Over the same period, one person sold shares worth $33,920. Buying cluster
- SaleDennis Michael RobertsonDirector1,000 shares at $33.92$33,920Nov 2, 2026
- BuyJohn Adam RobertsonExecutive Chairperson, Director2× since Jan 30, 2026: 336 shares, avg. $27.55$9,258Sep 16, 2026
- BuyPhilip J. MethenyEVP, Chief Financial Officer5× since Nov 21, 2025: 9,217 shares, avg. $27.89$257,099Aug 26, 2026
- BuyDennis Michael RobertsonDirector450 shares at $25.64$11,538Jan 28, 2026
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
CBK screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →
Compare Commercial Bancgroup, Inc. Common Stock with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs CBK |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs CBK |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs CBK |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs CBK |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs CBK |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs CBK |
| Mizuho Financial Group MFG | $9.80 | $5.90 | −40% | vs CBK |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs CBK |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs CBK |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs CBK |
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Frequently asked questions
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Key figures of Commercial Bancgroup, Inc. Common Stock
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