Commercial Bancgroup Inc
CBKFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET
32.94-0.12 (-0.36%)
2026-11-12 01:00 CET
Market cap
453.26 USD m
Revenue, TTM
- USD m
Net income, TTM
40.53 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
2.95
P/E
11.18
Price
CBK against its 20, 50 and 200-day averages2050200beat
7.9% under the 52-week high of 35.78 on 13 Aug 2026. 52-week low 23.24 on 29 Dec 2025. Last 15 sessions, 9.6% high to low
Volume 0.22× normal · the line is the 50-bar volume average
Profile
CBK52-week range, 77% of the way up
23.2435.78
Commercial Bancgroup, Inc. operates as a bank holding company. It offers savings, loans, personal credit cards, business checking, digital banking, remote deposit capture, and mobile device payment services. The company was founded on November 6, 1975 and is headquartered in Harrogate, TN.
| Index | RUT |
|---|---|
| Employees | 298 |
| IPO | Oct 02, 2025 |
| Beta | 0.50 |
| ATR, 14d | 0.81 |
| Rel volume | 0.22 |
| Short float | 1.82% |
| Insider own | 37.50% |
| Inst own | 53.83% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 451.61M |
| Enterprise Value | - |
| Income | 40.53M |
| Sales | 131.57M |
| Book/sh | 22.71 |
| Cash/sh | - |
| Dividend Est. | 0.44 (1.34%) |
| Dividend TTM | 0.32 (0.97%) |
| Dividend Ex-Date | Dec 15, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 298 |
| IPO | Oct 02, 2025 |
Ratios
| P/E | 11.18 |
|---|---|
| Forward P/E | 10.29 |
| PEG | 2.18 |
| P/S | 3.43 |
| P/B | 1.45 |
| P/C | - |
| P/FCF | 11.71 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.16 |
| Debt/Eq | 0.68 |
| LT Debt/Eq | 0.22 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.95 |
|---|---|
| EPS next Y | 3.20 |
| EPS next Q | 0.79 |
| EPS this Y | 3.04% |
| EPS next Y | 4.92% |
| EPS next 5Y | 4.73% |
| EPS past 3/5Y | 9.57% - |
| Sales past 3/5Y | 8.26% - |
| EPS Y/Y TTM | - |
| Sales Y/Y TTM | - |
| EPS Q/Q | 2.16% |
| Sales Q/Q | 4.61% |
| Earnings | Oct 26 AMC |
| EPS/Sales Surpr. | 6.76% 2.38% |
Ownership
| Insider Own | 37.50% |
|---|---|
| Insider Trans | 0.02% |
| Inst Own | 53.83% |
| Inst Trans | 1.65% |
| ROA | 1.74% |
| ROE | 14.57% |
| ROIC | 10.66% |
| Gross Margin | - |
| Oper. Margin | 39.41% |
| Profit Margin | 30.81% |
| SMA20 | 1.46% |
| SMA50 | 1.53% |
| SMA200 | 8.44% |
| Trades | - |
Technical
| Shs Outstand | 13.71M |
|---|---|
| Shs Float | 8.57M |
| Short Float | 1.82% |
| Short Ratio | 3.98 |
| Short Interest | 0.16M |
| 52W High | 35.78 -7.94% |
| 52W Low | 23.24 41.77% |
| Volatility | 2.51% 2.52% |
| ATR (14) | 0.81 |
| RSI (14) | 54.21 |
| Beta | 0.50 |
| Rel Volume | 0.22 |
| Avg Volume | 39.19K |
| Volume | 8,526 |
Performance
| Perf Week | -1.73% |
|---|---|
| Perf Month | 5.75% |
| Perf Quarter | -7.03% |
| Perf Half Y | 16.27% |
| Perf YTD | 34.12% |
| Perf Year | 34.83% |
| Perf 3Y | - |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 1.00 |
| Target Price | 39.50 |
| Prev Close | 33.06 |
| Price | 32.94 |
| Change % | -0.36% |
Analyst ratings
latest 2 of 2| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jul 30, 2026 | Reiterated | HHovde Group | Outperform | $34 → $39.50 | +19.9% |
| Oct 07, 2025 | Initiated | HHovde Group | Outperform | $32 | -2.9% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| SMBK | SmartFinancial Inc | 820.62M |
| HTB | HomeTrust Bancshares Inc | 748.43M |
| CTBI | Community Trust Bancorp Inc | 1.27B |
| FCBC | First Community Bankshares Inc | 856.71M |
| PEBK | Peoples Bancorp Of North Carolina Inc | 235.55M |
| FBK | FB Financial Corp | 2.69B |
| CBAN | Colony Bankcorp Inc | 556.57M |
| CHCO | City Holding Co | 2.01B |
| FCBM | First Carolina Financial Services Inc | 418.20M |
| KFFB | Kentucky First Federal Bancorp | 47.50M |
Insider trading
11 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Robertson Dennis Michael | Director | Nov 02 '26 | Sale | 33.92 | 1,000 | 33,920 | 22,453 | Nov 03 05:17 PM |
| Robertson Dennis Michael | Director | Nov 02 '26 | Proposed Sale | 32.76 | 1,000 | 32,760 | Nov 02 12:51 PM | |
| Robertson John Adam | Executive Chairperson | Sep 16 '26 | Buy | 32.69 | 70 | 2,288 | 45,870 | Sep 28 07:22 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Aug 25 '26 | Buy | 34.79 | 670 | 23,309 | 14,402 | Aug 27 04:11 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Aug 26 '26 | Buy | 34.11 | 100 | 3,411 | 14,502 | Aug 27 04:11 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Aug 20 '26 | Buy | 33.77 | 150 | 5,066 | 13,732 | Aug 21 04:10 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Aug 03 '26 | Buy | 34.74 | 850 | 29,529 | 13,582 | Aug 04 04:10 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Apr 30 '26 | Buy | 29.02 | 3,300 | 95,760 | 12,732 | May 01 07:27 PM |
| Robertson John Adam | Executive Chairperson | Jan 30 '26 | Buy | 26.20 | 266 | 6,969 | 45,800 | Feb 02 04:10 PM |
| Robertson Dennis Michael | Director | Jan 28 '26 | Buy | 25.64 | 450 | 11,538 | 22,617 | Jan 30 04:10 PM |
| Metheny Philip J. | EVP, Chief Financial Officer | Nov 21 '25 | Buy | 24.12 | 4,147 | 100,018 | 8,313 | Nov 25 09:05 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| AVSC | Avantis U.S Small Cap Equity ETF | AUM: 3.23B |
| VTWV | Vanguard Russell 2000 Value Index ETF | AUM: 1.29B |
| AVUS | Avantis U.S. Equity ETF | AUM: 14.65B |
News
latest 14 of 52- Commercial Bancgroup, Inc. Announces Results for the Third Quarter 2026 (ACCESSWIRE)
- Commercial Bancgroup, Inc. Announces Quarterly Cash Dividend (ACCESSWIRE)
- Commercial Bancgroup, Inc. Announces Date for Third Quarter 2026 Earnings Release (ACCESSWIRE)
- Commercial Bancgroup, Inc. Announces Results for the Second Quarter 2026 (ACCESSWIRE)
- Commercial Bancgroup, Inc. Announces Quarterly Cash Dividend (ACCESSWIRE)
- Commercial Bancgroup Inc (CBK) Q2 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
- Commercial Bancgroup, Inc. Announces Date for Second Quarter 2026 Earnings Release (ACCESSWIRE)
- Iran, US signal progress in peace talks as issues unresolved (Bloomberg)
- Oil Swings With Market Focused on US-Iran Peace Prospects (Bloomberg)
- Oil pares gain with market swinging on US-Iran peace prospects (Bloomberg)
- Commercial Bancgroup, Inc. Announces Results for the First Quarter 2026 (ACCESSWIRE)
- Commercial Bancgroup, Inc. Announces Quarterly Cash Dividend and Share Repurchase Program (ACCESSWIRE)
- Bond Traders Boost Bets on a Fed Cut This Year After Ceasefire (Bloomberg)
- Commercial Bancgroup, Inc. Announces Date for First Quarter 2026 Earnings Release (ACCESSWIRE)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-26 | 0.790 | 0.740 | 0.790 | 25.19 | 24.60 | 1 |
| 2026Q2 | 2026-07-27 | 0.750 | 0.700 | 0.744 | 24.17 | 23.40 | 1 |
| 2026Q1 | 2026-04-27 | 0.730 | 0.680 | 0.695 | 23.07 | 22.70 | 1 |
| 2025Q4 | 2026-01-27 | 0.720 | 0.716 | 0.717 | 23.48 | 23.30 | 1 |
| 2025Q3 | 2025-10-27 | 0.770 | 0.820 | 0.773 | 22.90 | 23.40 | 1 |
| 2025Q2 | 2025-09-03 | 0.740 | - | 0.708 | 22.30 | - | - |
| 2026Q4 | - | - | 0.790 | - | - | 25.40 | 1 |
| 2027Q1 | - | - | 0.770 | - | - | 24.90 | 1 |
| 2027Q2 | - | - | 0.790 | - | - | 25.50 | 1 |
| 2027Q3 | - | - | 0.810 | - | - | 25.90 | 1 |
| 2027Q4 | - | - | 0.830 | - | - | 26.40 | 1 |
| 2028Q1 | - | - | 0.800 | - | - | 25.80 | 1 |
| 2028Q2 | - | - | 0.830 | - | - | 26.60 | 1 |
| 2028Q3 | - | - | 0.870 | - | - | 27.30 | 1 |
| 2028Q4 | - | - | 0.890 | - | - | 27.90 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2025FY | 2.960 | 2.954 | 2.920 | 90.36 | 90.20 |
| 2026FY | - | 3.050 | - | - | 97.80 |
| 2027FY | - | 3.200 | - | - | 102.7 |
| 2028FY | - | 3.400 | - | - | 107.6 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-10-27 | 1 | 1 | 0 | 25.40 | 25.40 | 25.40 |
| 2026Q4 | S | 2026-10-26 | 1 | 0 | 0 | 24.80 | 24.80 | 24.80 |
| 2026Q4 | S | 2026-07-28 | 1 | 0 | 0 | 24.80 | 24.80 | 24.80 |
| 2026Q4 | S | 2026-06-16 | 1 | 0 | 0 | 24.70 | 24.70 | 24.70 |
| 2026Q4 | S | 2026-04-28 | 1 | 0 | 1 | 24.70 | 24.70 | 24.70 |
| 2026Q4 | S | 2026-04-02 | 1 | 0 | 1 | 24.90 | 24.90 | 24.90 |
| 2026Q4 | S | 2026-01-30 | 1 | 1 | 0 | 25.60 | 25.60 | 25.60 |
| 2026Q4 | S | 2026-01-28 | 1 | 0 | 1 | 25.30 | 25.30 | 25.30 |
| 2026Q4 | S | 2026-01-11 | 1 | 0 | 0 | 25.70 | 25.70 | 25.70 |
| 2026Q4 | S | 2025-11-11 | 1 | 0 | 1 | 25.70 | 25.70 | 25.70 |
| 2026Q4 | S | 2025-11-10 | 1 | 0 | 1 | 25.70 | 25.70 | 25.70 |
| 2026Q4 | S | 2025-11-09 | 1 | 0 | 1 | 25.70 | 25.70 | 25.70 |
| 2026Q4 | S | 2025-11-08 | 1 | 0 | 1 | 25.70 | 25.70 | 25.70 |
| 2026Q4 | S | 2025-11-07 | 1 | 0 | 1 | 25.70 | 25.70 | 25.70 |
Estimate history
| EPS, annual | 2.457 | 2.443 | 2.95 | 2.9462 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2023 | 2024 | 2025 | TTM | |||||
| EPS, quarterly | 0.792 | 0.743 | 0.566 | 0.708 | 0.773 | 0.717 | 0.695 | 0.744 | 0.79 |
| Period | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 112.203 | 133.331 | 131.497 | 131.57 | |||||
| Period | 2023 | 2024 | 2025 | TTM | |||||
| Sales, quarterly | 33.678 | 33.041 | 33.236 | 33.051 | 32.626 | 32.611 | 32.055 | 32.775 | 34.132 |
| Period | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 12.212 | 12.113 | 13.698 | 13.71 | |||||
| Period | 2023 | 2024 | 2025 | MRQ | |||||
| Shares, quarterly | 12.113 | 12.113 | 12.24 | 12.24 | 12.24 | 13.698 | 13.698 | 13.701 | 13.71 |
| Period | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY |
|---|---|---|---|---|
| Interest Income | 121.01 | 121.60 | 123.21 | 102.64 |
| Total Interest Expense | 35.72 | 41.17 | 45.63 | 30.54 |
| Net Interest Income | 85.29 | 80.43 | 77.58 | 72.10 |
| Loan Loss Provision | 1.02 | 0.46 | 1.83 | 3.27 |
| Net Interest Income After Loan Loss Provision | 84.27 | 79.97 | 75.75 | 68.83 |
| Non-Interest Income | 10.56 | 9.89 | 10.12 | 9.57 |
| Non-Interest Expense | 42.98 | 42.48 | 46.06 | 38.75 |
| Operating Income | 51.86 | 47.38 | 39.81 | 39.64 |
| Unusual Expense | 0.60 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 51.30 | 47.42 | 40.57 | 39.69 |
| Income Taxes | 10.77 | 10.22 | 8.89 | 8.48 |
| Consolidated Net Income | 40.53 | 37.20 | 31.69 | 31.21 |
| Net Income From Continuing Operations | 40.53 | 37.20 | 31.41 | 30.69 |
| Net Income | 40.53 | 37.20 | 31.41 | 30.69 |
| EPS (Recurring) | - | 2.95 | 2.44 | 2.46 |
| EPS (Basic, Before Extraordinaries) | 2.96 | 2.95 | 2.65 | 2.59 |
| EPS (Diluted) | 2.95 | 2.95 | 2.44 | 2.46 |
| Non-Operating Income (Expense) | 0.04 | 0.04 | 0.76 | 0.05 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.10 | 1.69 | - |
| Price To Earnings Ratio | 11.22 | 11.22 | - | - |
| Price To Sales Ratio | 3.27 | 2.36 | - | - |
| Operating Margin | 39.41 | 36.03 | 29.86 | 35.33 |
| Net Margin | 30.81 | 28.29 | 23.56 | 27.35 |
| Shares Outstanding | 13.71 | 13.70 | 12.11 | 12.21 |
| Market Capitalization | 453.26 | 453.26 | 295.59 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 31.43 | 30.15 | 29.46 | 29.96 | 30.02 | 30.86 | 30.77 | 30.62 |
| Total Interest Expense | 8.95 | 8.64 | 8.99 | 9.15 | 9.80 | 10.80 | 11.43 | 11.57 |
| Net Interest Income | 22.49 | 21.52 | 20.48 | 20.81 | 20.22 | 20.06 | 19.34 | 19.06 |
| Loan Loss Provision | 0.35 | 0.40 | 0.12 | 0.15 | 0.00 | 0.00 | - | 0.32 |
| Net Interest Income After Loan Loss Provision | 22.14 | 21.12 | 20.36 | 20.66 | 20.22 | 20.06 | - | 18.73 |
| Non-Interest Income | 2.70 | 2.62 | 2.59 | 2.65 | 2.61 | 2.19 | 2.47 | 2.42 |
| Non-Interest Expense | 11.00 | 10.87 | 10.48 | 10.62 | 10.55 | 10.73 | 10.58 | 10.52 |
| Operating Income | 13.84 | 12.86 | 12.46 | 12.69 | 12.27 | 11.53 | 11.23 | 10.63 |
| Unusual Expense | 0.00 | 0.00 | 0.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 13.84 | 12.89 | 11.86 | 12.71 | 12.30 | 11.56 | 11.20 | 11.02 |
| Income Taxes | 2.97 | 2.68 | 2.33 | 2.79 | 2.83 | 2.66 | 2.51 | 1.81 |
| Consolidated Net Income | 10.87 | 10.22 | 9.53 | 9.91 | 9.47 | 8.90 | 8.69 | 9.21 |
| Net Income From Continuing Operations | 10.87 | 10.22 | 9.53 | 9.91 | 9.47 | 8.90 | 8.69 | 9.21 |
| Net Income | 10.87 | 10.22 | 9.53 | 9.91 | 9.47 | 8.90 | 8.69 | 9.21 |
| EPS (Recurring) | - | 0.74 | 0.73 | 0.72 | 0.77 | - | 0.57 | 0.74 |
| EPS (Basic, Before Extraordinaries) | 0.79 | 0.75 | 0.70 | 0.72 | 0.77 | 0.71 | 0.74 | 0.75 |
| EPS (Diluted) | 0.79 | 0.74 | 0.70 | 0.72 | 0.77 | 0.71 | 0.57 | 0.74 |
| Non-Operating Income (Expense) | 0.00 | 0.03 | 0.00 | 0.01 | 0.02 | 0.03 | -0.03 | 0.39 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.12 | 0.13 | - | - | - | - | - |
| Price To Earnings Ratio | 11.22 | 11.16 | 9.42 | - | - | - | - | - |
| Price To Sales Ratio | 3.27 | 3.41 | 2.74 | 2.58 | - | - | - | - |
| Operating Margin | 40.54 | 39.25 | 38.88 | 38.92 | 37.62 | 34.87 | 33.79 | 32.17 |
| Net Margin | 31.84 | 31.17 | 29.74 | 30.40 | 29.01 | 26.93 | 26.15 | 27.87 |
| Shares Outstanding | 13.71 | 13.70 | 13.70 | 13.70 | 12.24 | 12.24 | 12.24 | 12.11 |
| Market Capitalization | 453.26 | 442.42 | 356.42 | 300.60 | 295.59 | - | - | - |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY |
|---|---|---|---|
| Cash & Due from Banks | 26.39 | 18.99 | 14.73 |
| Investments | 284.30 | 365.80 | 380.69 |
| Net Loans | 1,855.44 | 1,788.79 | 1,669.85 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.25 | 0.83 | 1.05 |
| Net Property, Plant & Equipment | 51.18 | 51.82 | 54.00 |
| Interest Receivables | 7.45 | 7.19 | 8.24 |
| Deferred Tax Assets | 7.68 | 9.96 | 8.42 |
| Other Intangible Assets | 65.45 | 66.71 | 67.90 |
| Total Assets | 2,298.14 | 2,310.09 | 2,204.87 |
| Total Deposits | 1,815.73 | 1,938.60 | 1,819.92 |
| Total Debt | 168.19 | 110.71 | 151.01 |
| Long Term Debt | 67.33 | 96.26 | 112.97 |
| Provision for Risks Charges | 0.12 | 0.07 | 0.07 |
| Deferred Tax Liabilities | 6.68 | 8.88 | 8.26 |
| Other Liabilities | 22.07 | 31.58 | 29.83 |
| Total Liabilities | 2,012.79 | 2,089.83 | 2,009.10 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 |
| Common Equity | 285.34 | 220.26 | 190.38 |
| Total Shareholders Equity | 285.34 | 220.26 | 190.38 |
| Accumulated Minority Interest | 0.00 | 0.00 | 5.40 |
| Total Equity | 285.34 | 220.26 | 195.78 |
| Total Liabilities & Stockholders Equity | 2,298.14 | 2,310.09 | 2,204.87 |
| Book Value Per Share | 20.83 | 18.18 | 15.59 |
| Tangible Book Value Per Share | 19.90 | 17.00 | 14.27 |
| Full-Time Employees | 298 | - | - |
| Price to Book Ratio | 1.46 | 1.21 | - |
| Return on Assets | 1.61 | 1.39 | - |
| Return on Equity | 14.71 | 15.30 | - |
| Return on Invested Capital | 10.55 | 9.92 | 10.12 |
| Current Ratio | 0.10 | 0.13 | 0.13 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY |
|---|---|---|---|---|
| Funds from Operations | - | 38.13 | 37.04 | 36.18 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -1.04 | 1.63 | 2.70 |
| Cash from Operating Activities | - | 37.09 | 38.68 | 38.89 |
| Capital Expenditures | - | -1.87 | -3.04 | -3.17 |
| Net Assets From Acquisitions | - | 0.00 | -5.68 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.29 | 3.47 | 8.06 |
| Purchase or Sale of Investments | - | 39.11 | 34.79 | 19.29 |
| Purchase of Investments | - | -134.95 | -47.27 | -16.65 |
| Sale Or Maturity of Investments | - | 174.06 | 82.06 | 35.93 |
| Federal Home Loan Advances Increase (Decrease) | - | -3.11 | 0.85 | 0.34 |
| Other Uses | - | -0.01 | 0.00 | 0.00 |
| Other Sources | - | 0.53 | 0.08 | 2.07 |
| Cash from Investing Activities | - | -32.66 | -90.61 | -127.96 |
| Cash Dividends Paid | - | -2.00 | -2.00 | -1.50 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 28.88 | -1.83 | 1.78 |
| Repurchase of Common Pref Stock | - | -0.98 | -1.83 | -2.11 |
| Sale of Common Pref Stock | - | 29.86 | 0.00 | 3.89 |
| Proceedsfrom Stock Options | - | 29.86 | 0.00 | 3.89 |
| Issuance or Reduction of Debt, Net | - | 57.67 | -40.69 | 6.68 |
| Change in Long Term Debt | - | -27.19 | -38.03 | 8.37 |
| Issuance of Long Term Debt | - | 8.33 | 2.15 | 27.13 |
| Reduction of Long Term Debt | - | -35.52 | -40.18 | -18.76 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | -38.31 | 74.19 | 183.10 |
| Net Change in Cash | - | -33.88 | 22.26 | 94.03 |
| Free Cash Flow | - | 35.23 | 35.63 | 35.72 |
| Price to Free Cash Flow | - | 9.32 | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 174.92 | 22.31 | 21.88 | 26.39 | 44.24 | 43.69 |
| Investments | 141.61 | 308.92 | 309.83 | 284.30 | 294.51 | 318.74 |
| Net Loans | 1,964.30 | 1,921.81 | 1,873.85 | 1,855.44 | 1,749.25 | 1,773.53 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 50.91 | 50.14 | 49.44 | 51.18 | 50.27 | 50.34 |
| Interest Receivables | - | 7.13 | 7.64 | 7.45 | 7.10 | 7.08 |
| Deferred Tax Assets | 1.19 | 1.08 | 1.06 | 7.68 | 1.43 | 1.03 |
| Other Intangible Assets | 108.52 | 64.43 | 64.52 | 65.45 | 67.08 | 67.25 |
| Total Assets | 2,442.33 | 2,376.58 | 2,328.79 | 2,298.14 | 2,214.41 | 2,262.51 |
| Total Deposits | 1,887.39 | 1,873.17 | 1,892.22 | 1,815.73 | 1,780.63 | 1,851.25 |
| Total Debt | 211.32 | 175.82 | 118.25 | 168.19 | 162.76 | 148.51 |
| Long Term Debt | 68.90 | 56.00 | 55.57 | 67.33 | 93.93 | 93.91 |
| Provision for Risks Charges | - | 0.11 | 0.12 | 0.12 | 0.07 | 0.07 |
| Deferred Tax Liabilities | - | - | - | 6.68 | - | - |
| Other Liabilities | 32.30 | 24.86 | 24.69 | 22.07 | 25.79 | 27.42 |
| Total Liabilities | 2,131.02 | 2,073.97 | 2,035.27 | 2,012.79 | 1,969.25 | 2,027.24 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 311.31 | 302.62 | 293.52 | 285.34 | 245.15 | 235.27 |
| Total Shareholders Equity | 311.31 | 302.62 | 293.52 | 285.34 | 245.15 | 235.27 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 311.31 | 302.62 | 293.52 | 285.34 | 245.15 | 235.27 |
| Total Liabilities & Stockholders Equity | 2,442.33 | 2,376.58 | 2,328.79 | 2,298.14 | 2,214.41 | 2,262.51 |
| Book Value Per Share | 22.71 | 22.09 | 21.43 | 20.83 | 20.03 | 19.22 |
| Tangible Book Value Per Share | 21.86 | 21.21 | 20.52 | 19.90 | 18.96 | 18.12 |
| Full-Time Employees | 292 | - | - | 298 | - | 282 |
| Price to Book Ratio | 1.46 | 1.51 | 1.25 | 1.23 | 1.21 | - |
| Return on Assets | 1.74 | 1.69 | 1.65 | - | - | - |
| Return on Equity | 14.57 | 14.55 | 14.55 | - | - | - |
| Return on Invested Capital | 2.86 | 2.85 | 2.73 | 2.81 | 2.79 | 2.70 |
| Current Ratio | 0.16 | 0.12 | 0.12 | 0.10 | 0.11 | 0.10 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 10.70 | 10.87 | 11.03 | 9.39 | 8.52 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.64 | 2.48 | -1.93 | -1.01 | -0.97 |
| Cash from Operating Activities | - | 10.05 | 13.35 | 9.10 | 8.39 | 7.55 |
| Capital Expenditures | - | -1.26 | -0.24 | -0.33 | -0.49 | -0.72 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.03 | 0.00 | 0.22 | 0.02 | 0.04 |
| Purchase or Sale of Investments | - | 5.63 | 2.52 | 21.40 | 27.38 | 2.30 |
| Purchase of Investments | - | -30.21 | 0.00 | -29.92 | -15.21 | -22.46 |
| Sale Or Maturity of Investments | - | 35.84 | 2.52 | 51.32 | 42.59 | 24.76 |
| Other Uses | - | 0.00 | 0.00 | - | - | 0.00 |
| Other Sources | - | 0.17 | 0.49 | 0.18 | 0.35 | 0.00 |
| Cash from Investing Activities | - | -46.09 | -15.20 | -88.61 | 51.48 | 4.78 |
| Cash Dividends Paid | - | -1.37 | -1.37 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 29.86 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 29.86 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 29.86 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 58.17 | -49.19 | 4.08 | 14.25 | 39.42 |
| Change in Long Term Debt | - | 0.67 | -6.01 | -21.51 | -2.11 | -0.98 |
| Issuance of Long Term Debt | - | 5.90 | 0.00 | 8.33 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -5.23 | -6.01 | -29.84 | -2.11 | -0.98 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | - | 37.76 | 25.92 | 69.04 | -56.36 | -11.54 |
| Net Change in Cash | - | 1.72 | 24.08 | -10.47 | 3.50 | 0.79 |
| Free Cash Flow | - | 8.79 | 13.11 | 8.77 | 7.90 | 6.83 |
| Price to Free Cash Flow | - | 12.36 | 10.12 | 10.23 | - | - |
Revenue breakdown
| State Commercial Banks | 2024: 88.46M 2025: 90.36M |
|---|---|
| United States | 2024: 88.46M 2025: 90.36M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.82% | 0.2M | 8.6M | 41.82K |
| 2026-10-15 | 2.26% | 0.2M | 8.6M | 48.36K |
| 2026-09-30 | 3.15% | 0.3M | 8.6M | 54.68K |
| 2026-09-15 | 4.34% | 0.4M | 8.6M | 69.44K |
| 2026-08-31 | 3.24% | 0.3M | 8.6M | 74.05K |
| 2026-08-14 | 3.29% | 0.3M | 8.6M | 78.53K |
| 2026-07-31 | 3.10% | 0.3M | 8.6M | 74.80K |
| 2026-07-15 | 3.60% | 0.3M | 8.6M | 70.00K |
| 2026-06-30 | 3.17% | 0.3M | 8.6M | 69.38K |
| 2026-06-15 | 2.21% | 0.2M | 8.6M | 55.74K |
| 2026-05-29 | 1.57% | 0.1M | 8.6M | 49.36K |
| 2026-05-15 | 1.75% | 0.2M | 8.6M | 46.03K |
| 2026-04-30 | 1.80% | 0.2M | 8.6M | 51.55K |
| 2026-04-15 | 2.20% | 0.2M | 7.9M | 54.25K |
| 2026-03-31 | 2.33% | 0.2M | 7.9M | 49.47K |
| 2026-03-13 | 6.47% | 0.5M | 7.1M | 72.87K |
| 2026-02-27 | 3.95% | 0.3M | 7.1M | 77.02K |
| 2026-02-13 | 3.72% | 0.3M | 7.1M | 74.58K |
| 2026-01-30 | 3.85% | 0.3M | 7.1M | 68.23K |
| 2026-01-15 | 3.07% | 0.2M | 7.1M | 68.07K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-02 | SEC |
| 2026-11-02 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-26 | 8-K | Current report | 2026-10-26 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-29 | SEC |
| 2026-09-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-16 | SEC |
| 2026-08-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-25 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-03 | SEC |
| 2026-07-27 | 8-K | Current report | 2026-07-27 | SEC |
| 2026-05-18 | SCHEDULE 13G/A | SEC | ||
| 2026-05-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-08 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-08 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-05-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-30 | SEC |
| 2026-04-27 | 8-K | Current report | 2026-04-27 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-03 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-03 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-03 | SEC |
| 2026-04-27 | SCHEDULE 13D | SEC | ||
| 2026-03-31 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-03-31 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-27 | SEC |
| 2026-03-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
| 2026-03-24 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 33.92K | 1 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 2.29K | 1 | 0 | 0 |
| 2026-08 | 61.31K | 4 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 95.76K | 1 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 18.51K | 2 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 100.02K | 1 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| T. Rowe Price Investment Management, Inc. | 6.23% |
| ALLIANCEBERNSTEIN L.P. | 6.22% |
| BlackRock, Inc. | 4.90% |
| RAFFLES ASSOCIATES LP | 3.40% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.42% |
| Petiole USA ltd | 2.12% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.72% |
| Pacific Ridge Capital Partners, LLC | 1.63% |
| MENDON CAPITAL ADVISORS CORP | 1.56% |
| Curi Capital, LLC | 1.43% |
Funds
| Fund | % owned |
|---|---|
| WisdomTree India Earnings Fund | 73.16% |
| Avantis Emerging Markets Equity ETF | 51.95% |
| Franklin FTSE India ETF | 21.79% |
| Nomura Systematic Emerging Markets Equity Fund | 18.42% |
| Goldman Sachs Emerging Markets Equity Insights Fund | 18.27% |
| Touchstone ETF Trust-Touchstone Dynamic International ETF | 18.12% |
| Touchstone Strategic Trust-Touchstone International Value Fund | 9.58% |
| Avantis International Equity ETF | 6.40% |
| Goldman Sachs ActiveBeta(R) Emerging Markets Equity ETF | 6.34% |
| T. Rowe Price Small-Cap Value Fund, Inc. | 3.21% |
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