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    Commercial Bancgroup (CBK)

    Market Price (8/7/2026): $35.17 | Market Cap: $481.8 MilSector: Financials | Industry: Regional Banks

    Commercial Bancgroup (CBK)

    Market Price (8/7/2026): $35.17
    Market Cap: $481.8 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 7.6%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -24%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40%

    Low stock price volatility
    Vol 12M is 22%

    Trading close to highs
    Dist 52W High is -0.7%, Dist 3Y High is -0.7%

    Weak multi-year price returns
    3Y Excs Rtn is -21%

    Key risks
    CBK key risks include [1] significant loan concentration in commercial real estate and a specific tri-state geographic region, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 7.6%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -24%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40%
    3 Low stock price volatility
    Vol 12M is 22%
    4 Trading close to highs
    Dist 52W High is -0.7%, Dist 3Y High is -0.7%
    5 Weak multi-year price returns
    3Y Excs Rtn is -21%
    6 Key risks
    CBK key risks include [1] significant loan concentration in commercial real estate and a specific tri-state geographic region, Show more.

    CBK in ETFs

    Weight = CBK's share of each fund

    IWM0.01%
    SCHF0.10%
    CWI0.09%
    IWN0.02%
    AVUV0.01%
    VTWO0.01%

    Valuation & Metrics

    FYE: 12/31CBK [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$91.6 Mil—
    FY 2026 Sales$96.7 Mil—
    FY 2027 Sales$102.2 Mil—
    FY 2026 Sales Growth5.6%—
    FY 2027 Sales Growth5.7%13.0%
    EARNINGS
    LTM Net Income (GAAP) [3]$38.0 Mil—
    FY 2026 Net Income (Non-GAAP)$41.2 Mil—
    FY 2027 Net Income (Non-GAAP)$44.0 Mil—
    FY 2027 Net Income Growth6.7%19.0%
    FY 2026 EPS (Non-GAAP)$2.98—
    FY 2027 EPS (Non-GAAP)$3.18—
    FY 2027 EPS Growth6.7%—
    VALUATION
    FY 2026 P/S5.01.7
    FY 2027 P/S4.7—
    FY 2026 P/E11.78.1
    FY 2027 P/E10.9—

    [1] CBK forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CBKS&P 500
    REVENUE GROWTHPOOR
    Rev LTM ($ Bil)0.1
    Rev Chg Q5.8%9.3%
    Rev Chg LTM4.0%7.9%
    Rev Chg 3Y Avg4.0%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM41.9%21.8%
    Net Inc Mgn41.5%13.0%
    VALUATIONMODERATE
    P/S5.33.3
    P/CFO12.615.7
    P/FCF13.220.3
    P/E12.724.1

    AI Analysis | Feedback

    MetricValueDateSource
    Nonperforming assets to total assets ratio0.26%9302025Link
    Efficiency ratio46.2%9302025Link
    Number of banking offices348262025Link
    Number of loan production offices18262025Link

    Price Chart

    Recent
    7/27/2026Earnings ReleaseRev: $24 Mil (A) vs. $23 Mil (E)
    EPS: 0.75 (A) vs. $0.70 (E)
    Upcoming
    9/15/2026DividendAmount: $0.12
    Payment On: 9/30/2026

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    Commercial Bancgroup (CBK) stock has gained about 20% since 4/30/2026 because of the following key factors:

    1. Strong Second Quarter Fiscal 2026 Financial Performance.

    Commercial Bancgroup (CBK) reported robust financial results for its second quarter fiscal 2026, which ended June 30, 2026. The company announced earnings per share (EPS) of $0.75, surpassing the consensus analyst estimate of $0.707 by 6.08%. Net income rose to $10.2 million, a 15% increase from the prior year's second quarter, and revenue reached $23.77 million, exceeding analyst expectations by 3.3%. The bank also demonstrated a healthy net interest margin of 4.06% and reported a 2.6% sequential growth in loans, reaching $1.9 billion.

    2. Significant Quarterly Cash Dividend Increase.

    The company's board of directors declared a quarterly cash dividend of $0.12 per share on July 27, 2026, payable on September 30, 2026. This represents a notable 20.0% increase from the $0.10 cash dividend paid in the previous quarter. Management explicitly linked this dividend increase to consistent profitability and confidence in the company's long-term earnings outlook and commitment to shareholder value.

    Show more
    Updated on 8/1/2026

    Commercial Bancgroup (CBK) stock has gained about 20% since 4/30/2026 because of the following key factors:

    1. Strong Second Quarter Fiscal 2026 Financial Performance.

    Commercial Bancgroup (CBK) reported robust financial results for its second quarter fiscal 2026, which ended June 30, 2026. The company announced earnings per share (EPS) of $0.75, surpassing the consensus analyst estimate of $0.707 by 6.08%. Net income rose to $10.2 million, a 15% increase from the prior year's second quarter, and revenue reached $23.77 million, exceeding analyst expectations by 3.3%. The bank also demonstrated a healthy net interest margin of 4.06% and reported a 2.6% sequential growth in loans, reaching $1.9 billion.

    2. Significant Quarterly Cash Dividend Increase.

    The company's board of directors declared a quarterly cash dividend of $0.12 per share on July 27, 2026, payable on September 30, 2026. This represents a notable 20.0% increase from the $0.10 cash dividend paid in the previous quarter. Management explicitly linked this dividend increase to consistent profitability and confidence in the company's long-term earnings outlook and commitment to shareholder value.

    3. Upward Revision of Analyst Price Targets.

    Analysts significantly raised their price targets for Commercial Bancgroup following recent developments. For instance, the fair value estimate was substantially increased from $31.00 to $39.50. This revision was attributed to updated assumptions regarding lower discount rates, stable revenue growth, improved profit margins, and a higher future price-to-earnings (P/E) multiple.

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    Stock Movement Drivers

    Fundamental Drivers

    The 21.9% change in CBK stock from 4/30/2026 to 8/6/2026 was primarily driven by a 19.2% change in the company's P/E Multiple.
    (LTM values as of)43020268062026Change
    Stock Price ($)28.8735.1921.9%
    Change Contribution By: 
    Total Revenues ($ Mil)90921.4%
    Net Income Margin (%)41.2%41.5%0.9%
    P/E Multiple10.612.719.2%
    Shares Outstanding (Mil)14140.0%
    Cumulative Contribution21.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/6/2026
    ReturnCorrelation
    CBK21.9% 
    Market (SPY)6.9%-0.2%
    Sector (XLF)10.9%44.5%

    Fundamental Drivers

    The 34.6% change in CBK stock from 1/31/2026 to 8/6/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
    (LTM values as of)13120268062026Change
    Stock Price ($)26.1535.1934.6%
    Change Contribution By: 
    Total Revenues ($ Mil)�920.0%
    Net Income Margin (%)�41.5%0.0%
    P/E Multiple�12.70.0%
    Shares Outstanding (Mil)1214-11.1%
    Cumulative Contribution0.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/6/2026
    ReturnCorrelation
    CBK34.6% 
    Market (SPY)11.4%23.4%
    Sector (XLF)8.7%49.7%

    Fundamental Drivers

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    Market Drivers

    7/31/2025 to 8/6/2026
    ReturnCorrelation
    CBK  
    Market (SPY)22.6%21.6%
    Sector (XLF)11.7%45.4%

    Fundamental Drivers

    null
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    Market Drivers

    7/31/2023 to 8/6/2026
    ReturnCorrelation
    CBK  
    Market (SPY)73.8%21.6%
    Sector (XLF)71.0%45.4%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CBK Return----2%45%49%
    Peers Return16%-19%25%0%49%20%110%
    S&P 500 Return27%-19%24%23%16%13%106%

    Monthly Win Rates [3]
    CBK Win Rate----67%75% 
    Peers Win Rate33%50%54%46%69%73% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    CBK Max Drawdown------9% 
    Peers Max Drawdown-16%-31%-31%-26%-21%-20% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FCBM, CBC, NU.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 8/6/2026 (YTD)

    How Low Can It Go

    CBK has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2025 US Tariff Shock
      % Loss-15.5%-18.8%
      % Gain to Breakeven18.4%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-10.7%-9.5%
      % Gain to Breakeven12.0%10.5%
      Time to Breakeven26 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-16.1%-6.7%
      % Gain to Breakeven19.1%7.1%
      Time to Breakeven270 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-19.7%-19.2%
      % Gain to Breakeven24.5%23.8%
      Time to Breakeven123 days105 days

    Compare to NEWT, ATLO, FCBM, HAPN, CBC

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    CBK has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-21.4%-12.2%
      % Gain to Breakeven27.3%13.9%
      Time to Breakeven272 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-26.1%-17.9%
      % Gain to Breakeven35.3%21.8%
      Time to Breakeven162 days123 days
    2008-2009 Global Financial Crisis
      % Loss-78.3%-53.4%
      % Gain to Breakeven359.8%114.4%
      Time to Breakeven2329 days1085 days

    Compare to NEWT, ATLO, FCBM, HAPN, CBC

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Commercial Bancgroup (CBK)

    Christopher & Banks Corporation, together with its subsidiaries, operates as a specialty retailer of private-brand women's apparel and accessories in the United States. The company designs and sells women's apparel and accessories to customers ranging in age from 50 and older. Its stores offer women's apparel consisting of casual clothing, everyday basics, wear-to-work, leisure/active wear, and sleepwear in missy, petite, and women sizes, as well as jewelry and accessories. As of September 11, 2020, the company operated 452 stores, including 316 missy, petite, women stores; and 77 Outlet stores, 31 Christopher & Banks stores, and 28 C.J. Banks stores in its women's plus size clothing division CJ Banks in 44 states. It also operates christopherandbanks.com, an e-commerce website for its Christopher & Banks and CJ Banks brands. The company was formerly known as Braun's Fashions Corporation and changed its name to Christopher & Banks Corporation in July 2000. Christopher & Banks Corporation was founded in 1956 and is headquartered in Plymouth, Minnesota. On April 13, 2021, the voluntary petition of Christopher & Banks Corporation for reorganization under Chapter 11 was converted to Chapter 7. It had filed for Chapter 11 bankruptcy on January 13, 2021.

    AI Analysis | Feedback

    • Imagine a Chico's FAS or Talbots for women 50 and older, but one that ultimately couldn't adapt to modern retail and went bankrupt.
    • Similar to a Dressbarn or Coldwater Creek, offering women's apparel in physical stores, until it too succumbed to retail struggles and went out of business.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Based on the background description provided for Christopher & Banks Corporation (symbol: CBK), the company primarily sells to individuals. Its major customer categories are:

    • Women aged 50 and older seeking casual and everyday attire: This category includes customers looking for comfortable casual clothing and basic apparel for daily wear.
    • Women aged 50 and older seeking professional and active lifestyle apparel: This segment comprises customers purchasing wear-to-work clothing and leisure/active wear.
    • Women aged 50 and older seeking sleepwear, jewelry, and fashion accessories: This category encompasses customers buying intimate apparel, as well as complementary items like jewelry and other accessories.

    AI Analysis | Feedback

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    AI Analysis | Feedback

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    AI Analysis | Feedback

    The key risks for Commercial Bancgroup (CBK) are inherent to the commercial banking sector and include credit risk, market risk, and operational risk.

    The most significant risk is

    Credit Risk: This refers to the potential for losses if borrowers fail to repay their loans or meet their contractual obligations. As a commercial bank, lending is a core business activity, and any downturn in the economy, specific industry challenges, or issues with individual borrowers can lead to defaults, impacting the bank's profitability and asset quality.

    Another crucial risk is

    Market Risk: Commercial banks are exposed to fluctuations in financial markets, which can affect their investments and profitability. A major component of market risk for banks is interest rate risk, where changes in interest rates can negatively impact the net interest margin due to mismatches in the repricing of assets and liabilities.

    Finally,

    Operational Risk: This encompasses the risk of loss resulting from inadequate or failed internal processes, people, and systems, or from external events. Given the increasing reliance on technology and automated processes in banking, errors in systems, human errors, or cybersecurity breaches can lead to significant financial and reputational damage.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Commercial Bancgroup (CBK) operates as a bank holding company, primarily providing a range of banking and financial services through its subsidiary, Commercial Bank. These services cater to individual and corporate customers in select markets across Kentucky, North Carolina, and Tennessee. Its main products and services include various deposit products (demand, interest-bearing, savings, and certificates of deposit) and loans (real estate, commercial, and consumer).

    The addressable market for Commercial Bancgroup's core products and services falls within the broader commercial banking sector in the United States. The U.S. commercial banking market size is estimated to be approximately USD 765.53 billion in 2026 and is projected to reach USD 954.48 billion by 2031, growing at a compound annual growth rate (CAGR) of 4.51% from 2026 to 2031.

    Within this market, commercial lending is a significant segment, driven by demand from small and medium-sized enterprises (SMEs) and is considered a fast-growing area. The loans segment is also anticipated to hold the highest market share within the commercial banking market.

    AI Analysis | Feedback

    Commercial Bancgroup (NASDAQ: CBK) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
    • Strategic Mergers and Acquisitions (M&A): Commercial Bancgroup is actively exploring mergers and acquisitions within the $500-$750 million bank segment. The company's strong capital position provides the financial capacity to acquire smaller banks, which is a stated strategy for growth.
    • Robust Loan Growth: The company anticipates continued strong loan closing volumes and moderate overall loan growth. This includes a focus on commercial real estate lending to small and medium-sized businesses, as well as residential mortgages and other consumer loans, building on the significant loan growth observed in the fourth quarter of 2025.
    • Branch Network Expansion: Commercial Bancgroup plans to expand its physical footprint by opening new branch offices, with a specific example being the new branch expected in Belmont, North Carolina, during 2026. This organic expansion aims to increase market penetration in its target regions of Kentucky, North Carolina, and Tennessee.
    • Optimized Net Interest Margin (NIM): While not a direct increase in the volume of services, maintaining and strategically managing its net interest margin, which was an exceptionally strong 4.01% in Q4 2025, will enhance the profitability of its lending activities. This improved efficiency in generating income from interest-earning assets will contribute to overall revenue growth.

    AI Analysis | Feedback

    Share Issuance

    • Commercial Bancgroup completed an Initial Public Offering (IPO) on October 1, 2025, issuing 7,173,092 shares at $24.00 per share.
    • The company received approximately $30.6 million in net proceeds from its IPO.
    • Proceeds from the IPO are intended for repaying indebtedness, redeeming subordinated debentures, and for general corporate purposes.

    Outbound Investments

    • The company has completed seven acquisitions, including the remaining minority stake in Alliance Bank & Trust Company (AB&T).
    • Commercial Bancgroup merged with Alliance Bank & Trust Company on July 1, 2024, which expanded its services into North Carolina.

    Capital Expenditures

    • Capital expenditures in the most recent quarter totaled -$0.49 million.

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    Peer Comparisons

    Peers to compare with:

    Financials

    CBKNEWTATLOFCBMCBCNUMedian
    NameCommerci.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Price35.1914.9531.4312.5033.3114.1223.19
    Mkt Cap0.50.40.3-400.268.60.5
    Rev LTM9227270-1,00011,915272
    Op Inc LTM-------
    FCF LTM37-77622-45786837
    FCF 3Y Avg--34817--1,71217
    CFO LTM38-77623-4911,20138
    CFO 3Y Avg--34819--1,95219

    Growth & Margins

    CBKNEWTATLOFCBMCBCNUMedian
    NameCommerci.NewtekOneAmes Nat.First Ca.Central .Nu  
    Rev Chg LTM4.0%10.5%21.7%--39.5%16.1%
    Rev Chg 3Y Avg-32.1%5.4%--51.8%32.1%
    Rev Chg Q5.8%8.0%17.8%--57.2%12.9%
    QoQ Delta Rev Chg LTM1.4%1.9%4.1%--12.1%3.0%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM41.9%-285.4%32.5%-49.1%10.1%32.5%
    CFO/Rev 3Y Avg--134.4%31.4%--22.3%22.3%
    FCF/Rev LTM40.0%-285.4%31.2%-45.7%7.3%31.2%
    FCF/Rev 3Y Avg--134.5%28.6%--19.6%19.6%

    Valuation

    CBKNEWTATLOFCBMCBCNUMedian
    NameCommerci.NewtekOneAmes Nat.First Ca.Central .Nu  
    Mkt Cap0.50.40.3-400.268.60.5
    P/S5.31.64.0-400.15.85.3
    P/Op Inc-------
    P/EBIT-------
    P/E12.76.612.9-1,066.321.512.9
    P/CFO12.6-0.512.3-815.657.112.6
    Total Yield8.2%22.1%10.4%-0.1%4.6%8.2%
    Dividend Yield0.3%6.9%2.7%-0.0%0.0%0.3%
    FCF Yield 3Y Avg--92.0%8.8%--2.6%2.6%
    D/E0.21.30.1-0.00.00.1
    Net D/E-0.20.4-1.7--0.0-0.4-0.2

    Returns

    CBKNEWTATLOFCBMCBCNUMedian
    NameCommerci.NewtekOneAmes Nat.First Ca.Central .Nu  
    1M Rtn6.2%4.5%8.1%-1.6%6.9%3.7%5.3%
    3M Rtn21.3%10.9%10.8%-0.8%22.2%-1.0%10.8%
    6M Rtn35.0%13.7%15.7%-0.8%40.5%-16.0%14.7%
    12M Rtn47.7%42.1%76.2%-0.8%83.9%15.5%44.9%
    3Y Rtn47.7%-6.5%81.0%-0.8%150.0%80.1%63.9%
    1M Excs Rtn5.1%3.3%5.9%-4.0%5.9%2.6%4.2%
    3M Excs Rtn17.4%7.7%6.1%-5.5%17.9%-7.2%6.9%
    6M Excs Rtn19.9%0.1%4.3%-12.8%25.1%-29.1%2.2%
    12M Excs Rtn25.3%17.7%53.0%-23.2%64.5%-6.2%21.5%
    3Y Excs Rtn-20.8%-68.2%16.9%-69.3%77.6%10.0%-5.4%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q3
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/2024
    Filing Date5/13/20263/24/202611/14/202510/2/20256/23/202510/2/202511/14/2025
    Key Financials Quarterly       
    Total Revenue23232322222221
    Net Income101099969
    EPS0.700.720.690.680.660.460.76
    Key Financials TTM       
    Total Revenue TTM929089888888-
    Net Income TTM383733323231-
    Growth Rates Quarterly       
    Total Revenue Growth5.8%4.5%6.3%-0.4%1.6%--
    Net Income Growth9.7%80.7%2.8%11.1%1.3%--
    Margins Quarterly       
    Net Income Margin41.3%43.3%41.5%40.0%39.9%25.0%42.9%
    Cash & Debt       
    Total Cash230162196139209182-
    Total Debt11314813097981000
    Net Debt / (Cash)-117-14-67-42-112-82-
    Cash Flows Quarterly       
    FCF from Operations13988121011
    Cash Flows TTM       
    FCF from Operations TTM383738403939-
    Returns to Shareholders Quarterly       
    Dividends1000200
    Share Repurchases-0-0-0-012-0
    Return on Invested Capital (ROIC) Quarterly       
    ROIC-171.0%-----
    Return on Invested Capital (ROIC) TTM       
    ROIC TTM-156.8%-----

    Segment Financials

    Revenue by Segment
    $ Mil202520242023
    Single Segment908882
    Total908882


    Price Behavior

    Price Behavior
    Market Price$35.19 
    Market Cap ($ Bil)0.5 
    First Trading Date04/22/2020 
    Distance from 52W High-0.7% 
       50 Days200 Days
    DMA Price$29.51$29.51
    DMA Trendupup
    Distance from DMA19.3%19.3%
     3M1YR
    Volatility21.7%21.6%
    Downside Capture-25.048.57
    Upside Capture62.5258.10
    Correlation (SPY)0.3% 
    CBK Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta0.35-0.13-0.060.350.00-0.06
    Up Beta-0.96-0.95-0.560.090.22-0.28
    Down Beta0.50-0.38-0.200.09-0.23-0.48
    Up Capture114%81%52%74%38%4%
    Bmk +ve Days11223567138427
    Stock +ve Days12263669109109
    Down Capture24%-36%-28%30%11%6%
    Bmk -ve Days11212859114326
    Stock -ve Days91625539393

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CBK
    CBK47.9%21.6%2.07-
    Sector ETF (XLF)13.2%14.6%0.6345.4%
    Equity (SPY)23.5%12.9%1.3721.6%
    Gold (GLD)25.3%28.3%0.793.3%
    Commodities (DBC)32.4%19.8%1.30-26.8%
    Real Estate (VNQ)12.9%13.8%0.6437.0%
    Bitcoin (BTCUSD)-43.6%43.0%-1.2114.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CBK
    CBK8.1%21.6%2.07-
    Sector ETF (XLF)11.3%18.4%0.4745.4%
    Equity (SPY)13.2%17.2%0.5921.6%
    Gold (GLD)17.9%18.5%0.783.3%
    Commodities (DBC)8.0%19.6%0.31-26.8%
    Real Estate (VNQ)2.3%18.9%0.0237.0%
    Bitcoin (BTCUSD)10.0%53.0%0.3814.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CBK
    CBK4.0%21.6%2.07-
    Sector ETF (XLF)13.7%22.1%0.5745.4%
    Equity (SPY)15.3%17.9%0.7321.6%
    Gold (GLD)11.8%16.2%0.593.3%
    Commodities (DBC)7.4%18.0%0.33-26.8%
    Real Estate (VNQ)4.9%20.7%0.2037.0%
    Bitcoin (BTCUSD)58.3%66.2%0.9814.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity0.3 Mil
    Short Interest: % Change Since 630202613.6%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest4.1 days
    Basic Shares Quantity13.7 Mil
    Short % of Basic Shares2.3%

    Earnings Returns History

    Updated 8/5/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/27/20263.3%3.4% 
    4/27/20260.2%-0.7%0.2%
    1/26/2026-0.2%6.2%5.8%
    10/28/2025-1.6%-2.8%-3.4%
    SUMMARY STATS   
    # Positive222
    # Negative221
    Median Positive1.8%4.8%3.0%
    Median Negative-0.9%-1.7%-3.4%
    Max Positive3.3%6.2%5.8%
    Max Negative-1.6%-2.8%-3.4%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/27/20263.3%3.4% 
    4/27/20260.2%-0.7%0.2%
    1/26/2026-0.2%6.2%5.8%
    10/28/2025-1.6%-2.8%-3.4%
    SUMMARY STATS   
    # Positive222
    # Negative221
    Median Positive1.8%4.8%3.0%
    Median Negative-0.9%-1.7%-3.4%
    Max Positive3.3%6.2%5.8%
    Max Negative-1.6%-2.8%-3.4%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/13/202610-Q
    12/31/202503/24/202610-K
    09/30/202511/14/202510-Q
    06/30/202510/02/2025424B4
    03/31/202506/23/2025DRS/A
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/13/202610-Q
    12/31/202503/24/202610-K
    09/30/202511/14/202510-Q
    06/30/202510/02/2025424B4
    03/31/202506/23/2025DRS/A

    Insider Activity

    Updated 8/4/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Metheny, Philip JEVP, Chief Financial OfficerDirectBuy804202634.7485029,529471,828Form
    2Metheny, Philip JEVP, Chief Financial OfficerDirectBuy501202629.023,30095,760369,451Form
    3Robertson, John AdamExecutive ChairpersonDirectBuy202202626.202666,9691,199,973Form
    4Robertson, Dennis Michael DirectBuy130202625.6445011,538579,900Form
    5Metheny, Philip JEVP, Chief Financial OfficerDirectBuy1125202524.124,147100,018200,502Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Metheny, Philip JEVP, Chief Financial OfficerDirectBuy804202634.7485029,529471,828Form
    2Metheny, Philip JEVP, Chief Financial OfficerDirectBuy501202629.023,30095,760369,451Form
    3Robertson, John AdamExecutive ChairpersonDirectBuy202202626.202666,9691,199,973Form
    4Robertson, Dennis Michael DirectBuy130202625.6445011,538579,900Form
    5Metheny, Philip JEVP, Chief Financial OfficerDirectBuy1125202524.124,147100,018200,502Form
    6Robertson, Dennis Michael DirectBuy1125202524.371002,437528,780Form
    7Yates, Charles L DirectBuy1010202524.008,333199,9921,891,542Form
    8Shoffner, James J DirectBuy1010202524.0014,583349,992349,992Form
    9Metheny, Philip JEVP, Chief Financial OfficerDirectBuy1009202524.004,16699,98499,984Form
    10Sprinkle,, Jr. Richard CEVP, Chief Credit OfficerDirectBuy1009202524.004,16699,984617,484Form
    11Mars, Iii Sam A DirectSell1007202523.1623,574545,974415,166Form
    12Neely, Alan C DirectSell1007202523.169,201213,095221,155Form
    13Neely, Alan C Neely Children's Irrevocable TrustSell1007202523.16214,1634,960,0155,147,588Form
    14Neely, Alan C Non-Exempt Neely Children's Irrevocable Trust FBO Alan C. NeelySell1007202523.16133,1813,084,4723,201,152Form
    15Neely, Alan C Exempt Neely Children's Irrevocable Trust FBO Alan C. NeelySell1007202523.1653,6111,241,6311,288,599Form
    16Neely, Alan C Non-Exempt Neely Children's Irrevocable Trust FBO Joann N. EnglandSell1007202523.1626,523614,273637,525Form
    17Neely, Alan C Non-Exempt Neely Children's Irrevocable Trust FBO Lori N. ThompsonSell1007202523.1626,523614,273637,525Form
    18Neely, Alan C Non-Exempt Neely Children's Irrevocable Trust FBO Lori N. Thompson Nancy N. WhitakerSell1007202523.1626,523614,273637,525Form
    19Robertson, Aaron A Robertson Holding Company, L.P.Sell1007202523.162,898,79667,136,11551,053,707Form
    20Robertson, Holding Company, LP DirectSell1007202523.162,898,79667,136,11551,053,707Form
    21Robertson, John AdamExecutive ChairpersonRobertson Holding Company, L.P.Sell1007202523.162,898,79667,136,11551,053,707Form
    22Robertson, John AdamExecutive ChairpersonDirectSell1007202523.1659,8781,386,7741,054,579Form
    23Spurlock, Martha S DirectSell1007202523.16124,9322,893,4252,200,327Form
    24Spurlock, Martha S Unified Shares LLCSell1007202523.161,791,01741,479,95427,046,723Form
    25Robertson, Dennis Michael DirectSell1007202523.1628,402657,790500,210Form
    26Unified, Shares Llc DirectSell1007202523.161,791,01741,479,95427,046,723Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 8/6/2026