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Upturn AI Summary - About
Commercial Bancgroup, Inc. Common Stock(CBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CBK
10/28/2026: CBK (3-star) is currently NOT-A-BUY. Pass it for now.
Commercial Bancgroup is a community-focused bank holding company with a strong presence in the Tennessee region. Its primary business strength lies in its relationship-driven model and deep ties to local small and mid-sized businesses. The primary growth opportunity involves capitalizing on the rapid economic development in Nashville and Knoxville through expanded commercial lending. However, investors face risks related to geographic concentration, high competition for deposits, and sensitivity to interest rate cycles. As a publicly traded regional bank, it may appeal to value investors seeking local market exposure, though its short public history and modest dividend profile should be monitored closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Offers moderate growth potential tied to regional economic development rather than rapid scaling. |
| Momentum investor | Weak fit | Banking stocks typically lack the rapid momentum patterns sought by these investors. |
| Value investor | Strong fit | Trades at a modest P/E ratio, making it potentially attractive for value-oriented portfolios. |
| Dividend investor | Mixed fit | Provides a modest yield but is early in its dividend growth history. |
| Low-risk investor | Mixed fit | Regional banking carries interest rate and credit cycle risks, despite the community bank focus. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to local economic shifts and interest rate news. |
| Valuation risk | Low | Currently trades at a reasonable multiple compared to broader financial sector averages. |
| Competition risk | High | Intense competition from larger banks for deposit market share in key Tennessee markets. |
| Business quality | Medium | The bank has a stable local franchise but limited geographic diversification. |
| Dividend income | Low | Dividend yield is modest and growth is subject to future earnings performance. |
| Execution risk | Medium | Successful growth depends on maintaining credit quality while expanding the loan portfolio. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 25.78% | Avg. Invested days 85 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 447.21M USD | Price to earnings Ratio 11.06 | 1Y Target Price 39.5 |
Price to earnings Ratio 11.06 | 1Y Target Price 39.5 | ||
Volume (30-day avg) 38.4K shares | Beta - | 52 Weeks Range 22.98 - 35.65 | Updated Date 10/28/2026 |
52 Weeks Range 22.98 - 35.65 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.95 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and real estate loans minus interest paid on customer deposits. | The bank's main profit comes from the 'spread' between what it earns on loans and what it pays to depositors. |
| Fee-based Services | Treasury management, transaction fees, and remote deposit capture services. | Provides a secondary stream of income that is less dependent on interest rate fluctuations. |
Earnings Date
Report Date 2026-10-26 | When After Market | Estimate 0.74 | Actual 0.79 |
Profitability
Profit Margin 42.53% | Operating Margin (TTM) 55.1% |
Management Effectiveness
Return on Assets (TTM) 1.7% | Return on Equity (TTM) 14.63% |
Valuation
Trailing PE 11.06 | Forward PE - | Enterprise Value 444.14M | Price to Sales(TTM) 4.83 |
Enterprise Value 444.14M | Price to Sales(TTM) 4.83 | ||
Enterprise Value to Revenue 6.54 | Enterprise Value to EBITDA - | Shares Outstanding 13.70M | Shares Floating 8.72M |
Shares Outstanding 13.70M | Shares Floating 8.72M | ||
Percent Insiders 54.54 | Percent Institutions 55.03 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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