Stock fact sheet · data as of
Commercial Bancgroup, Inc. Common Stock (CBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is CBK undervalued?
Commercial Bancgroup, Inc. Common Stock (CBK) closed at 31.49 on 16 Oct 2026, close to the GLS average fair value of 33.66 (6.4% below fair value). 5 of the 9 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 9 models disagree widely: DDM gives 4.71 while 10 Cap gives 72.84. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CBK under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for CBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 18.27 | -42% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 37.68 | +20% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 61.25 | +95% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.18 | -39% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 5.67 | -82% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 72.84 | +131% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 51.56 | +64% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.71 | -85% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 31.73 | +1% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -135.86 | -531% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health CBK scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.5 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 8.2%, ROE 13.0%, ROA 1.6% - with debt at 0.59 times equity and a free-cash-flow yield of 8.9%.
The dividend yield is 1.02% with a payout ratio of 7% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 7/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 16 Sep 2026.
| Piotroski F-score | 8 / 9 | ROIC | 8.2% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 13.0% |
| Debt / equity | 0.59 | ROA | 1.6% |
| Free-cash-flow yield | 8.9% | Payout ratio | 7% |
| Institutions | 7 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
CBK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 28k shares a day on a market cap of $431M, with a beta of 0.53 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 15 / 25 | 6% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 8 / 15 | moat 5.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 28k shares/day, $431M cap, beta 0.53 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Commercial Bancgroup, Inc. Common Stock reports earnings on 26 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Commercial Bancgroup, Inc. Common Stock by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| RBB RBB Bancorp | 25.49 | 30.43 | +16% | 68Good | $431M |
| PLBC Plumas Bancorp | 61.59 | 72.05 | +15% | 39No options | $429M |
| BMRC Bank of Marin Bancorp | 26.39 | 51.78 | +49% | 72Good | $427M |
| AVBC Avidia Bancorp, Inc. | 21.83 | 23.04 | +5% | 64Fair | $436M |
| PBFS Pioneer Bancorp, Inc. | 17.61 | 12.50 | -41% | 27No options | $437M |
| CBAN Colony Bankcorp, Inc. | 20.03 | 26.80 | +25% | 65Good | $425M |
| FRBA First Bank | 17.73 | 33.32 | +47% | 79Good | $439M |
| CZNC Citizens & Northern Corporation | 25.36 | 35.25 | +28% | 69Good | $455M |
| USCB USCB Financial Holdings, Inc. | 21.95 | 37.31 | +41% | 39No options | $406M |
| ISTR Investar Holding Corporation | 28.69 | 24.19 | -19% | 31No options | $395M |
| PCB PCB Bancorp | 27.60 | 32.30 | +15% | 67Good | $388M |
| PDLB Ponce Financial Group, Inc. | 19.95 | 48.40 | +59% | 79Good | $483M |
⚖ Compare CBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CBK
Is CBK undervalued right now?
Not meaningfully: at 31.49 the stock trades within a few percent of the GLS average fair value of 33.66 (6.4% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of CBK and what does it mean?
CBK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CBK?
33.66 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Commercial Bancgroup, Inc. Common Stock report earnings next?
The next earnings report is due on 26 Oct 2026 (after the close), 10 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does CBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.