公司概述
Commercial Bancgroup, Inc. operates as the bank holding company for Commercial Bank, delivering a comprehensive suite of banking and financial services to both individual and corporate clients across Kentucky, North Carolina, and Tennessee. The firm functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically involves managing deposits, extending loans, and providing specialized financial solutions to local communities. The company's market capitalization stands at $383.27M, supported by a trailing twelve-month revenue of $89.90M and an employee base of 281 individuals. These valuation and revenue figures indicate that the entity is a mid-sized regional player with a relatively modest scale compared to national banking giants, yet it maintains a distinct operational footprint in its specific geographic markets.
财务健康
Commercial Bancgroup, Inc. reported a trailing twelve-month revenue of $89.90M and generated net income of $37.20M, while EBITDA data is not available for this period. The substantial gap between the total revenue and net income reveals a cost structure where operating expenses, such as compensation, technology, and overhead, consume approximately 58.6% of total revenue before reaching the bottom line. The company reports N/A for free cash flow, meaning specific data on cash generation relative to capital expenditures is not disclosed in the current dataset. Regarding profitability metrics, the gross margin is listed at 0.0%, which is characteristic of financial institutions where interest income and interest expense are netted together rather than treated as a traditional gross profit calculation. The operating margin stands at 54.8%, indicating efficient control over administrative costs, while the profit margin reaches 41.4%, reflecting the high leverage and net interest income model of banking operations. The balance sheet holds $158.45M in cash against $182.32M in debt, resulting in a debt-to-equity ratio that is not provided in the available facts. Although the current ratio is not disclosed, the net debt position of approximately $23.87M suggests a conservative balance sheet with manageable leverage levels typical for regional banks. Return on Equity is 14.7%, demonstrating effective generation of shareholder returns relative to equity capital, while Return on Assets is 1.6%, which is a standard efficiency metric for asset-heavy banking operations.
估值评估
The trailing twelve-month P/E ratio is 9.48, whereas the forward P/E is projected at 8.94, implying that the market expects earnings to grow slightly faster than current levels in the coming year. The price-to-book ratio is 1.34, suggesting that the company trades at a moderate premium over its book value, reflecting intangible assets, brand reputation, or growth expectations beyond simple asset backing. Alternative valuation metrics include a price-to-sales ratio of 4.26, while the EV/EBITDA multiple is not available due to missing EBITDA data. The stock's 52-week trading range spans from a low of $23.23 to a high of $28.11; without the specific current share price, the exact percentage deviation from the high cannot be calculated, but the range defines the recent volatility corridor. The beta value is not available, so a direct comparison of price volatility relative to the broader market index cannot be determined from the current data points.
Growth & Income
Revenue growth year-over-year is recorded at 1.0%, while earnings growth year-over-year is significantly higher at 60.0%, indicating that earnings are expanding at a much faster pace than revenue, likely driven by improved net interest margins or a reduction in non-interest expenses. The company offers a dividend yield of 0.4%, but the payout ratio is 0.0%, which indicates that the current dividend payments are not supported by the earnings payout model in the traditional sense or that the metric is calculated differently given the specific financial structure. With a 0.0% payout ratio, the firm prioritizes retaining earnings or utilizing capital for internal growth initiatives rather than distributing a significant portion of profits to shareholders via dividends. Overall, the company presents a profile of modest top-line expansion paired with exceptional earnings acceleration and a minimal dividend yield, focusing primarily on value creation through profitability improvements.