Commercial BancGroup Inc

What Do They Do?

Offers traditional consumer and commercial banking services to businesses and individuals in Kentucky, North Carolina, and Tennessee.

How Do They Make Money?

It earns interest on loans and securities, less interest it pays on deposits and borrowings. It also charges customers for deposit accounts and transaction services; deposit fees are generally collected immediately or the following month, and card and ATM fees are charged when transactions are completed.

FY2025 revenue

Who Are Their Customers?

Serves small and medium-sized businesses, commercial real estate owners and consumers in its markets. Business customers typically keep deposit accounts at the Bank, which also seeks to provide banking services to business owners and employees; consumers use its lending products.

Do Revenues Turn Into Profits?

Yes. It kept 31 cents of every revenue dollar as net income in FY2025 and turned 29 cents into free cash flow.

Net income, FY2025

31% of revenue

▲ +18% vs FY2024 ($31.4M, 25%)

Free cash flow, FY2025

29% of revenue

▼ −1% vs FY2024 ($35.6M, 29%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▼ −2%; vs $30.9M in Q2 FY2025
Net income: ▲ +15%; vs $8.9M in Q2 FY2025

Flat. Revenue was $121.6M in FY2025, about the same as the $123.2M of FY2024.

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