Commercial Bancgroup (CBK)
Market Price (9/21/2026): $32.925 | Market Cap: $451.1 MilSector: Financials | Industry: Regional Banks
Commercial Bancgroup (CBK)
Market Price (9/21/2026): $32.925Market Cap: $451.1 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 8.5% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -14% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% Low stock price volatilityVol 12M is 21% | Weak multi-year price returns3Y Excs Rtn is -32% | Key risksCBK key risks include [1] significant loan concentration in commercial real estate and a specific tri-state geographic region, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 8.5% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -14% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% |
| Low stock price volatilityVol 12M is 21% |
| Weak multi-year price returns3Y Excs Rtn is -32% |
| Key risksCBK key risks include [1] significant loan concentration in commercial real estate and a specific tri-state geographic region, Show more. |
Qualitative Assessment
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Updated on 9/1/2026
Commercial Bancgroup (CBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Strong fiscal Q2 2026 earnings with significant year-over-year growth.
Commercial Bancgroup reported a 15% increase in quarterly net income, rising from $8.9 million to $10.2 million for fiscal Q2 2026, which ended June 30, 2026. Basic earnings per share (EPS) also saw an increase to $0.75 from $0.73 in the prior year. This strong performance was further supported by an increase in net interest income, which reached $21.5 million compared to $20.1 million a year earlier.
2. Robust balance sheet expansion.
The company demonstrated notable balance sheet growth, with total assets increasing to $2.38 billion from $2.29 billion at December 31, 2025. This expansion was primarily driven by a rise in net loans to $1.92 billion from $1.86 billion, and an increase in total deposits to $1.87 billion from $1.82 billion. Furthermore, shareholders' equity improved to $302.6 million from $285.3 million at year-end 2025, reflecting retained earnings growth.
Show more
Commercial Bancgroup (CBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Strong fiscal Q2 2026 earnings with significant year-over-year growth.
Commercial Bancgroup reported a 15% increase in quarterly net income, rising from $8.9 million to $10.2 million for fiscal Q2 2026, which ended June 30, 2026. Basic earnings per share (EPS) also saw an increase to $0.75 from $0.73 in the prior year. This strong performance was further supported by an increase in net interest income, which reached $21.5 million compared to $20.1 million a year earlier.
2. Robust balance sheet expansion.
The company demonstrated notable balance sheet growth, with total assets increasing to $2.38 billion from $2.29 billion at December 31, 2025. This expansion was primarily driven by a rise in net loans to $1.92 billion from $1.86 billion, and an increase in total deposits to $1.87 billion from $1.82 billion. Furthermore, shareholders' equity improved to $302.6 million from $285.3 million at year-end 2025, reflecting retained earnings growth.
Show more
Updated on 9/1/2026
Commercial Bancgroup (CBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Strong fiscal Q2 2026 earnings with significant year-over-year growth.
Commercial Bancgroup reported a 15% increase in quarterly net income, rising from $8.9 million to $10.2 million for fiscal Q2 2026, which ended June 30, 2026. Basic earnings per share (EPS) also saw an increase to $0.75 from $0.73 in the prior year. This strong performance was further supported by an increase in net interest income, which reached $21.5 million compared to $20.1 million a year earlier.
2. Robust balance sheet expansion.
The company demonstrated notable balance sheet growth, with total assets increasing to $2.38 billion from $2.29 billion at December 31, 2025. This expansion was primarily driven by a rise in net loans to $1.92 billion from $1.86 billion, and an increase in total deposits to $1.87 billion from $1.82 billion. Furthermore, shareholders' equity improved to $302.6 million from $285.3 million at year-end 2025, reflecting retained earnings growth.
3. Substantial quarterly cash dividend increase.
On July 27, 2026, Commercial Bancgroup announced a 20.0% increase in its quarterly cash dividend, raising it by $0.02 to $0.12 per share. This dividend, payable on September 30, 2026, to shareholders of record as of September 15, 2026, signals management's confidence in the company's consistent profitability and future long-term earnings and growth outlook.
Show less
Commercial Bancgroup (CBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Strong fiscal Q2 2026 earnings with significant year-over-year growth.
Commercial Bancgroup reported a 15% increase in quarterly net income, rising from $8.9 million to $10.2 million for fiscal Q2 2026, which ended June 30, 2026. Basic earnings per share (EPS) also saw an increase to $0.75 from $0.73 in the prior year. This strong performance was further supported by an increase in net interest income, which reached $21.5 million compared to $20.1 million a year earlier.
2. Robust balance sheet expansion.
The company demonstrated notable balance sheet growth, with total assets increasing to $2.38 billion from $2.29 billion at December 31, 2025. This expansion was primarily driven by a rise in net loans to $1.92 billion from $1.86 billion, and an increase in total deposits to $1.87 billion from $1.82 billion. Furthermore, shareholders' equity improved to $302.6 million from $285.3 million at year-end 2025, reflecting retained earnings growth.
3. Substantial quarterly cash dividend increase.
On July 27, 2026, Commercial Bancgroup announced a 20.0% increase in its quarterly cash dividend, raising it by $0.02 to $0.12 per share. This dividend, payable on September 30, 2026, to shareholders of record as of September 15, 2026, signals management's confidence in the company's consistent profitability and future long-term earnings and growth outlook.
Show less
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Stock Movement Drivers
Fundamental Drivers
The 14.9% change in CBK stock from 5/31/2026 to 9/20/2026 was primarily driven by a 11.0% change in the company's P/E Multiple.| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.69 | 32.96 | 14.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 92 | 93 | 2.1% |
| Net Income Margin (%) | 41.5% | 42.1% | 1.4% |
| P/E Multiple | 10.3 | 11.5 | 11.0% |
| Shares Outstanding (Mil) | 14 | 14 | 0.0% |
| Cumulative Contribution | 14.9% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| CBK | 14.9% | |
| Market (SPY) | 0.9% | 0.3% |
| Sector (XLF) | 8.3% | 48.5% |
Fundamental Drivers
The 28.1% change in CBK stock from 2/28/2026 to 9/20/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.73 | 32.96 | 28.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | 93 | 0.0% |
| Net Income Margin (%) | � | 42.1% | 0.0% |
| P/E Multiple | � | 11.5 | 0.0% |
| Shares Outstanding (Mil) | 12 | 14 | -11.0% |
| Cumulative Contribution | 0.0% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| CBK | 28.1% | |
| Market (SPY) | 11.6% | 17.9% |
| Sector (XLF) | 9.2% | 43.0% |
Fundamental Drivers
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Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| CBK | ||
| Market (SPY) | 19.4% | 21.1% |
| Sector (XLF) | 4.7% | 44.6% |
Fundamental Drivers
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Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| CBK | ||
| Market (SPY) | 75.6% | 21.1% |
| Sector (XLF) | 69.8% | 44.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CBK Return | - | - | - | - | 2% | 35% | 39% |
| Peers Return | 35% | -12% | -2% | 16% | 15% | 15% | 80% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| CBK Win Rate | - | - | - | - | 67% | 56% | |
| Peers Win Rate | 63% | 52% | 52% | 57% | 60% | 56% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| CBK Max Drawdown | - | - | - | - | - | -9% | |
| Peers Max Drawdown | -22% | -29% | -38% | -19% | -23% | -19% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
[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 9/18/2026 (YTD)
How Low Can It Go
CBK has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.5% | -18.8% |
| % Gain to Breakeven | 18.4% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.7% | -9.5% |
| % Gain to Breakeven | 12.0% | 10.5% |
| Time to Breakeven | 26 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -16.1% | -6.7% |
| % Gain to Breakeven | 19.1% | 7.1% |
| Time to Breakeven | 270 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.7% | -19.2% |
| % Gain to Breakeven | 24.5% | 23.8% |
| Time to Breakeven | 123 days | 105 days |
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.
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Asset Allocation
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CBK has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -21.4% | -12.2% |
| % Gain to Breakeven | 27.3% | 13.9% |
| Time to Breakeven | 272 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.1% | -17.9% |
| % Gain to Breakeven | 35.3% | 21.8% |
| Time to Breakeven | 162 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -78.3% | -53.4% |
| % Gain to Breakeven | 359.8% | 114.4% |
| Time to Breakeven | 2329 days | 1085 days |
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.
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- 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.
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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.
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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.
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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.
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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.
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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.
Peer Outperformance in Regional Banks
nullShare of Regional Banks constituents that CBK has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
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Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CBK's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 70.6% | 133.7% | SPNT 170% · RGA 154% · RNR 140% |
| Investment Banking & Brokerage | 13 | -1.7% | 105.1% | 116.5% | IBKR 527% · SNEX 257% · HOOD 183% |
| Diversified Banks | 12 | 27.5% | 129.8% | 116.3% | CM 161% · JPM 159% · RY 149% |
| Life & Health Insurance | 20 | 8.6% | 57.6% | 105.8% | JXN 534% · UNM 373% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 50.2% | 87.3% | JONE 361% · VOYA 88% · BRK-B 87% |
| Property & Casualty Insurance | 42 | 9.6% | 67.5% | 67.8% | ASIC 2760900% · HRTG 445% · UVE 331% |
| Regional Banks ← | 265 | 23.9% | 91.7% | 67.1% | ESQ 391% · GCBC 340% · VBNK 335% |
| Multi-line Insurance | 9 | 8.8% | 71.2% | 64.1% | GNW 201% · L 112% · SLF 104% |
| Financial Exchanges & Data | 15 | -0.1% | 17.4% | 32.7% | VIRT 184% · CBOE 135% · CME 83% |
| Diversified Financial Services | 4 | -7.3% | 22.1% | 32.6% | FRHC 168% · EQH 119% · TMS -54% |
| Consumer Finance | 30 | 1.7% | 89.6% | 26.9% | ENVA 447% · EZPW 319% · FCFS 168% |
| Insurance Brokers | 16 | -15.1% | -6.3% | 20.3% | LIFE 200% · ARX 87% · AJG 70% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 32.8% | 13.9% | FNMA 454% · FMCC 436% · ACT 204% |
| Asset Management & Custody Banks | 84 | -11.7% | 17.6% | 12.0% | WT 348% · SII 279% · VCTR 274% |
| Specialized Finance | 3 | 14.0% | 42.2% | -2.8% | EFC 27% · CACC -3% · HASI -16% |
| Mortgage REITs | 33 | -13.0% | 7.4% | -16.5% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -5.9% | -42.9% | V 74% · MA 73% · CPAY 58% |
| Diversified Capital Markets | 20 | -36.3% | 20.7% | -48.1% | OPY 196% · LPLA 136% · GOLD 90% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
Research & Analysis
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Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 32.44 |
| Mkt Cap | 16.3 |
| Rev LTM | 4,980 |
| Op Inc LTM | - |
| FCF LTM | 1,361 |
| FCF 3Y Avg | 2,383 |
| CFO LTM | 1,551 |
| CFO 3Y Avg | 2,621 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.6% |
| Rev Chg 3Y Avg | 8.1% |
| Rev Chg Q | 13.5% |
| QoQ Delta Rev Chg LTM | 3.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.3% |
| CFO/Rev 3Y Avg | 32.1% |
| FCF/Rev LTM | 28.3% |
| FCF/Rev 3Y Avg | 29.3% |
Price Behavior
Price Behavior
| Market Price | $32.96 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 04/22/2020 | |
| Distance from 52W High | -6.7% | |
| 50 Days | 200 Days | |
| DMA Price | $28.35 | $28.35 |
| DMA Trend | up | up |
| Distance from DMA | 16.3% | 16.3% |
| 3M | 1YR | |
| Volatility | 20.9% | 21.3% |
| Downside Capture | 7.84 | 15.08 |
| Upside Capture | 35.21 | 52.00 |
| Correlation (SPY) | 6.9% |
CBK Betas & Captures as of 8/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.49 | 0.40 | -0.04 | 0.26 | 0.06 | 0.05 |
| Up Beta | 1.19 | 0.21 | -0.29 | 0.16 | 0.07 | -0.19 |
| Down Beta | -0.41 | 0.03 | -0.46 | 0.07 | -0.31 | 0.02 |
| Up Capture | 4% | 58% | 56% | 56% | 39% | 4% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 10 | 21 | 36 | 69 | 119 | 119 |
| Down Capture | 44% | 56% | -20% | 10% | 14% | 8% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 11 | 20 | 27 | 54 | 104 | 104 |
[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 | |
|---|---|---|---|---|
| CBK | 39.0% | 21.3% | 1.52 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 44.6% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 21.1% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | 1.5% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | -27.5% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 34.2% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 8.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBK | |
|---|---|---|---|---|
| CBK | 6.8% | 21.3% | 1.52 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 44.6% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 21.1% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | 1.5% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | -27.5% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 34.2% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 8.4% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBK | |
|---|---|---|---|---|
| CBK | 3.3% | 21.3% | 1.52 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 44.6% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 21.1% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | 1.5% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | -27.5% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 34.2% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 8.4% |
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Earnings Returns History
Updated 8/27/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/27/2026 | 3.3% | 3.4% | 2.1% |
| 4/27/2026 | 0.2% | -0.7% | 0.2% |
| 1/26/2026 | -0.2% | 6.2% | 5.8% |
| 10/28/2025 | -1.6% | -2.8% | -3.4% |
| SUMMARY STATS | |||
| # Positive | 2 | 2 | 3 |
| # Negative | 2 | 2 | 1 |
| Median Positive | 1.8% | 4.8% | 2.1% |
| Median Negative | -0.9% | -1.7% | -3.4% |
| Max Positive | 3.3% | 6.2% | 5.8% |
| Max Negative | -1.6% | -2.8% | -3.4% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/27/2026 | 3.3% | 3.4% | 2.1% |
| 4/27/2026 | 0.2% | -0.7% | 0.2% |
| 1/26/2026 | -0.2% | 6.2% | 5.8% |
| 10/28/2025 | -1.6% | -2.8% | -3.4% |
| SUMMARY STATS | |||
| # Positive | 2 | 2 | 3 |
| # Negative | 2 | 2 | 1 |
| Median Positive | 1.8% | 4.8% | 2.1% |
| Median Negative | -0.9% | -1.7% | -3.4% |
| Max Positive | 3.3% | 6.2% | 5.8% |
| Max Negative | -1.6% | -2.8% | -3.4% |
Insider Activity
Updated 8/27/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8272026 | 34.11 | 100 | 3,411 | 494,653 | Form |
| 2 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8272026 | 34.79 | 670 | 23,309 | 501,035 | Form |
| 3 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8212026 | 33.77 | 150 | 5,066 | 463,719 | Form |
| 4 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8042026 | 34.74 | 850 | 29,529 | 471,828 | Form |
| 5 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 5012026 | 29.02 | 3,300 | 95,760 | 369,451 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8272026 | 34.11 | 100 | 3,411 | 494,653 | Form |
| 2 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8272026 | 34.79 | 670 | 23,309 | 501,035 | Form |
| 3 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8212026 | 33.77 | 150 | 5,066 | 463,719 | Form |
| 4 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 8042026 | 34.74 | 850 | 29,529 | 471,828 | Form |
| 5 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 5012026 | 29.02 | 3,300 | 95,760 | 369,451 | Form |
| 6 | Robertson, John Adam | Executive Chairperson | Direct | Buy | 2022026 | 26.20 | 266 | 6,969 | 1,199,973 | Form |
| 7 | Robertson, Dennis Michael | Direct | Buy | 1302026 | 25.64 | 450 | 11,538 | 579,900 | Form | |
| 8 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 11252025 | 24.12 | 4,147 | 100,018 | 200,502 | Form |
| 9 | Robertson, Dennis Michael | Direct | Buy | 11252025 | 24.37 | 100 | 2,437 | 528,780 | Form | |
| 10 | Yates, Charles L | Direct | Buy | 10102025 | 24.00 | 8,333 | 199,992 | 1,891,542 | Form | |
| 11 | Shoffner, James J | Direct | Buy | 10102025 | 24.00 | 14,583 | 349,992 | 349,992 | Form | |
| 12 | Metheny, Philip J | EVP, Chief Financial Officer | Direct | Buy | 10092025 | 24.00 | 4,166 | 99,984 | 99,984 | Form |
| 13 | Sprinkle,, Jr. Richard C | EVP, Chief Credit Officer | Direct | Buy | 10092025 | 24.00 | 4,166 | 99,984 | 617,484 | Form |
| 14 | Mars, Iii Sam A | Direct | Sell | 10072025 | 23.16 | 23,574 | 545,974 | 415,166 | Form | |
| 15 | Neely, Alan C | Direct | Sell | 10072025 | 23.16 | 9,201 | 213,095 | 221,155 | Form | |
| 16 | Neely, Alan C | Neely Children's Irrevocable Trust | Sell | 10072025 | 23.16 | 214,163 | 4,960,015 | 5,147,588 | Form | |
| 17 | Neely, Alan C | Non-Exempt Neely Children's Irrevocable Trust FBO Alan C. Neely | Sell | 10072025 | 23.16 | 133,181 | 3,084,472 | 3,201,152 | Form | |
| 18 | Neely, Alan C | Exempt Neely Children's Irrevocable Trust FBO Alan C. Neely | Sell | 10072025 | 23.16 | 53,611 | 1,241,631 | 1,288,599 | Form | |
| 19 | Neely, Alan C | Non-Exempt Neely Children's Irrevocable Trust FBO Joann N. England | Sell | 10072025 | 23.16 | 26,523 | 614,273 | 637,525 | Form | |
| 20 | Neely, Alan C | Non-Exempt Neely Children's Irrevocable Trust FBO Lori N. Thompson | Sell | 10072025 | 23.16 | 26,523 | 614,273 | 637,525 | Form | |
| 21 | Neely, Alan C | Non-Exempt Neely Children's Irrevocable Trust FBO Lori N. Thompson Nancy N. Whitaker | Sell | 10072025 | 23.16 | 26,523 | 614,273 | 637,525 | Form | |
| 22 | Robertson, Aaron A | Robertson Holding Company, L.P. | Sell | 10072025 | 23.16 | 2,898,796 | 67,136,115 | 51,053,707 | Form | |
| 23 | Robertson, Holding Company, LP | Direct | Sell | 10072025 | 23.16 | 2,898,796 | 67,136,115 | 51,053,707 | Form | |
| 24 | Robertson, John Adam | Executive Chairperson | Robertson Holding Company, L.P. | Sell | 10072025 | 23.16 | 2,898,796 | 67,136,115 | 51,053,707 | Form |
| 25 | Robertson, John Adam | Executive Chairperson | Direct | Sell | 10072025 | 23.16 | 59,878 | 1,386,774 | 1,054,579 | Form |
| 26 | Spurlock, Martha S | Direct | Sell | 10072025 | 23.16 | 124,932 | 2,893,425 | 2,200,327 | Form | |
| 27 | Spurlock, Martha S | Unified Shares LLC | Sell | 10072025 | 23.16 | 1,791,017 | 41,479,954 | 27,046,723 | Form | |
| 28 | Robertson, Dennis Michael | Direct | Sell | 10072025 | 23.16 | 28,402 | 657,790 | 500,210 | Form | |
| 29 | Unified, Shares Llc | Direct | Sell | 10072025 | 23.16 | 1,791,017 | 41,479,954 | 27,046,723 | Form |
Industry Resources
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| MarketWatch | Unusual Whales |
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Core Cache Last Updated: 9/20/2026