Commercial Bancgroup, Inc. Common Stock (CBK) fair value: what the stock is really worth
We calculate from audited financials what Commercial Bancgroup, Inc. Common Stock is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Watch Commercial Bancgroup, Inc. Common Stock for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 13, 2026.
How to read this chart
12‑month range $23.43 – $35.44 · fair‑value band $19.85 – $33.07 · the $32.96 price screens above the $26.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 13, 2026.
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.
Show more
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. 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. Common Stock (CBK) currently trades at $32.96, while our model-based Fair Value estimate is $26.46, implying the stock looks roughly 24.6% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $29.13 per share, and 1 of the 4 models we run sit above the $32.96 price.
Bear case: the Asset-Based group reads lowest at $13.94, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $19.85 (bear) to $33.07 (bull), the price of $32.96 sits inside 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 52/100 (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 $456M · P/E ratio 11.9 · P/S ratio 3.35 · EPS (TTM) $2.78 · Dividend yield 0.3% · Net margin 28.3% · Return on equity 14.6% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 43% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −20%, CBK screens cheaper than that median.
Fair Value models
Bear $19.85Fair Value $26.46Bull $33.07
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.94 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is weak, negative or inconsistent.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.7%
Yearly growth needed for the next five years to justify today's price.
Compare Commercial Bancgroup, Inc. Common Stock with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 1073 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−24% · Below median
Profitability
Return on equity (TTM)15% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)42% · Top 25%
Operating margin (TTM)55% · Top 25%
Growth and dividend
Revenue growth5% · Below median
Dividend yield (TTM)0.3% · Bottom 25%
Balance sheet
Debt / equity0.52× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Commercial Bancgroup, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/CBK
Frequently asked questions
Is Commercial Bancgroup, Inc. Common Stock (CBK) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of $26.46 versus a price of $32.96, about −20% upside (overvalued).
What is the fair value of CBK?
Our model-based fair value for Commercial Bancgroup, Inc. Common Stock is $26.46 (as of Sep 13, 2026), built from audited fundamentals. The current price: $32.96.
What is the quality score of CBK?
Commercial Bancgroup, Inc. Common Stock has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Commercial Bancgroup, Inc. Common Stock (CBK)?
Our model-based price target is the fair value of $26.46 (as of Sep 13, 2026) from 4 valuation models. Cautious scenario $19.85, optimistic scenario $33.07. It is a calculation from audited fundamentals, not an analyst target.
What is the Commercial Bancgroup, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $26.46, about −20% upside versus a price of $32.96 (overvalued). Cautious scenario $19.85, optimistic scenario $33.07. The calculation is refreshed regularly with new filings.
What is the revenue of Commercial Bancgroup, Inc. Common Stock (CBK)?
Commercial Bancgroup, Inc. Common Stock reported trailing-twelve-month revenue of about $91.1M (latest available figure, as of Sep 13, 2026).
Does Commercial Bancgroup, Inc. Common Stock pay a dividend?
Commercial Bancgroup, Inc. Common Stock currently shows a dividend yield of about 0.30% relative to its recent price (as of Sep 13, 2026).
What growth is priced into Commercial Bancgroup, Inc. Common Stock (CBK)?
For today's price to be fair in a discounted-cash-flow model, Commercial Bancgroup, Inc. Common Stock would have to grow free cash flow by +1.7 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +8.3 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of CBK use?
Our models discount Commercial Bancgroup, Inc. Common Stock at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Commercial Bancgroup, Inc. Common Stock that is +1.7 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Commercial Bancgroup, Inc. Common Stock (CBK) delivered so far?
Over the past 2 years revenue at Commercial Bancgroup, Inc. Common Stock grew +8.3 % a year. The price currently implies +1.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Commercial Bancgroup, Inc. Common Stock (CBK) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Commercial Bancgroup, Inc. Common Stock (+1.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Commercial Bancgroup, Inc. Common Stock (CBK)?
The free-cash-flow yield on the price is 7.73 %: that much free cash flow Commercial Bancgroup, Inc. Common Stock produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Commercial Bancgroup, Inc. Common Stock (CBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Commercial Bancgroup, Inc. Common Stock it is $26.46 per share (as of Sep 13, 2026), against a price of $32.96. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Commercial Bancgroup, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Sep 13, 2026, CBK trades above its calculated fair value: price $32.96, fair value $26.46, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBK?
No. The price is what the market pays today ($32.96); the fair value is what the company's own numbers justify ($26.46). For Commercial Bancgroup, Inc. Common Stock the two are $6.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Commercial Bancgroup, Inc. Common Stock worth?
The market values Commercial Bancgroup, Inc. Common Stock at about $456M (market capitalisation, as of Sep 13, 2026). Per share that is $32.96; our models calculate a fair value of $26.46 per share.
What do the bullish and bearish scenarios say about CBK?
Our models span a range for Commercial Bancgroup, Inc. Common Stock: cautious scenario $19.85, base $26.46, optimistic $33.07 per share (as of Sep 13, 2026, price $32.96). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBK?
Commercial Bancgroup, Inc. Common Stock trades at a price-to-earnings ratio of 11.9 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $26.46 is built from several models across several years. Other multiples: P/B 1.5, P/S 4.7, EV/EBITDA 9.3.
How solid is the balance sheet of Commercial Bancgroup, Inc. Common Stock (CBK)?
Balance-sheet figures for Commercial Bancgroup, Inc. Common Stock (as of Sep 13, 2026): return on equity 14.6%, debt of 0.52 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is CBK from its 52-week high?
Commercial Bancgroup, Inc. Common Stock trades at $32.96, about 4% below its 52-week high of $31.57 and 43% above the low of $23.07 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $26.46 is for.
Which stocks are comparable to Commercial Bancgroup, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Commercial Bancgroup, Inc. Common Stock stock attractive at the current price?
The data as of Sep 13, 2026: price $32.96, calculated fair value $26.46 (−20%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBK calculated?
We run Commercial Bancgroup, Inc. Common Stock through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $26.46, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Commercial Bancgroup, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Commercial Bancgroup, Inc. Common Stock (CBK)?
The closing price on Sep 18, 2026 was $32.96. Our model-based fair value is $26.46, about −20% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Commercial Bancgroup, Inc. Common Stock right now?
Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Commercial Bancgroup, Inc. Common Stock
How large is the market capitalisation of Commercial Bancgroup, Inc. Common Stock (CBK)?
The market capitalisation of Commercial Bancgroup, Inc. Common Stock is $456M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Commercial Bancgroup, Inc. Common Stock (CBK)?
The price-to-sales ratio of Commercial Bancgroup, Inc. Common Stock is 3.35 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Commercial Bancgroup, Inc. Common Stock (CBK)?
Earnings per share at Commercial Bancgroup, Inc. Common Stock are $2.78 (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Commercial Bancgroup, Inc. Common Stock (CBK)?
The dividend yield of Commercial Bancgroup, Inc. Common Stock is 0.3% (payout 3.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Commercial Bancgroup, Inc. Common Stock (CBK)?
The net margin of Commercial Bancgroup, Inc. Common Stock is 28.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Commercial Bancgroup, Inc. Common Stock (CBK)?
The return on equity (ROE) of Commercial Bancgroup, Inc. Common Stock is 14.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Commercial Bancgroup, Inc. Common Stock (CBK)?
On an EBIT basis the return on assets of Commercial Bancgroup, Inc. Common Stock is 1.9% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Commercial Bancgroup, Inc. Common Stock (CBK)?
The operating margin of Commercial Bancgroup, Inc. Common Stock is 55.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Commercial Bancgroup, Inc. Common Stock (CBK)?
Revenue at Commercial Bancgroup, Inc. Common Stock is growing +5.3% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Commercial Bancgroup, Inc. Common Stock (CBK)?
Earnings per share at Commercial Bancgroup, Inc. Common Stock are growing −2.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Commercial Bancgroup, Inc. Common Stock (CBK) carry?
The net debt of Commercial Bancgroup, Inc. Common Stock is $167M (fiscal year 2025, ≈ 4.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Commercial Bancgroup, Inc. Common Stock in the live analysis
One click puts Commercial Bancgroup, Inc. Common Stock on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Some data
Sep 13, 2026