Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Commercial Bancgroup, Inc. Common Stock (CBK)

Company Dividend Discount ModelIndustry: BanksSector: Financial Services

Valuation Snapshot

Stable Growth$17.97 - $25.87$21.83
Multi-Stage$28.18 - $31.00$29.56
Blended Fair Value$25.70
Current Price$24.00
Upside7.06%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR20242023
DPS0.00%0.00%0.160.120.000.000.000.000.000.000.000.00
YoY Growth--33.93%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--0.65%0.49%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)32.67
(-) Cash Dividends Paid (M)2.00
(=) Cash Retained (M)30.67
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)6.534.082.45
Cash Retained (M)30.6730.6730.67
(-) Cash Required (M)-6.53-4.08-2.45
(=) Excess Retained (M)24.1326.5828.22
(/) Shares Outstanding (M)12.8412.8412.84
(=) Excess Retained per Share1.882.072.20
LTM Dividend per Share0.160.160.16
(+) Excess Retained per Share1.882.072.20
(=) Adjusted Dividend2.042.232.35
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate-2.00%-1.00%0.00%
Fair Value$17.97$21.83$25.87
Upside / Downside-25.11%-9.06%7.78%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)32.6732.3432.0231.7031.3831.0732.00
Payout Ratio6.13%22.90%39.68%56.45%73.23%90.00%92.50%
Projected Dividends (M)2.007.4112.7017.8922.9827.9629.60

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)6.726.796.86
Year 2 PV (M)10.4610.6710.89
Year 3 PV (M)13.3713.7814.20
Year 4 PV (M)15.5716.2216.89
Year 5 PV (M)17.2018.0919.02
PV of Terminal Value (M)298.51314.05330.24
Equity Value (M)361.83379.61398.10
Shares Outstanding (M)12.8412.8412.84
Fair Value$28.18$29.56$31.00
Upside / Downside17.42%23.19%29.19%

High-Yield Dividend Screener

« Prev Page 10 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
ESPEspey Mfg. & Electronics Corp.3.53%$1.6554.01%
F-PCFord Motor Company 6% Notes due3.53%$0.7463.45%
TECTPTectonic Financial, Inc.3.53%$0.3879.28%
AMFCXAmerican Funds American Mutual Fund3.52%$2.0690.87%
CRCCalifornia Resources Corporation3.52%$1.6435.94%
FAFFirst American Financial Corporation3.51%$2.1446.13%
GICGlobal Industrial Company3.51%$1.0358.36%
0R0G.LMondelez International, Inc.3.50%$1.8969.92%
DCPDCP Midstream, LP3.50%$1.4634.00%
LWLamb Weston Holdings, Inc.3.50%$1.4870.35%
WSOWatsco, Inc.3.50%$12.1683.88%
0QYY.LHarley-Davidson, Inc.3.49%$0.7217.57%
LKFNLakeland Financial Corporation3.49%$1.9752.13%
TRSTTrustCo Bank Corp NY3.49%$1.4448.14%
OMCOmnicom Group Inc.3.47%$2.8341.26%
PROVProvident Financial Holdings, Inc.3.47%$0.5561.73%
UTLUnitil Corporation3.47%$1.7061.75%
BF-ABrown-Forman Corporation3.45%$0.9152.84%
COFSChoiceOne Financial Services, Inc.3.45%$1.0070.38%
FCBPFirst Choice Bancorp3.45%$1.0034.34%
NXSTNexstar Media Group, Inc.3.45%$7.2042.75%
STBAS&T Bancorp, Inc.3.45%$1.3529.75%
VABKVirginia National Bankshares Corporation3.45%$1.3755.94%
F-PBFord Motor Company 6.20% Notes3.44%$0.7463.45%
0K3B.LThe Mosaic Company3.43%$0.8722.53%
CPFCentral Pacific Financial Corp.3.43%$1.0743.87%
CTBICommunity Trust Bancorp, Inc.3.43%$1.9337.41%
IIINInsteel Industries, Inc.3.43%$1.1153.05%
JJSFJ&J Snack Foods Corp.3.43%$3.1192.62%
TMPTompkins Financial Corporation3.43%$2.4942.22%
ALRSAlerus Financial Corporation3.41%$0.7739.09%
CNXCConcentrix Corporation3.41%$1.4028.16%
FBPFirst BanCorp.3.41%$0.7134.06%
GLOClough Global Opportunities Fund3.41%$0.1915.90%
OPBKOP Bancorp3.41%$0.4830.19%
PHXPHX Minerals Inc.3.39%$0.1581.44%
WHGWestwood Holdings Group, Inc.3.39%$0.6073.76%
SCVLShoe Carnival, Inc.3.38%$0.5928.17%
OGSONE Gas, Inc.3.37%$2.6161.93%
VALUValue Line, Inc.3.36%$1.2555.36%
WTRGEssential Utilities, Inc.3.36%$1.3054.79%
AVNTAvient Corporation3.35%$1.0686.14%
KTBKontoor Brands, Inc.3.35%$2.0653.00%
VCTRVictory Capital Holdings, Inc.3.35%$2.1548.89%
WAFDWaFd, Inc.3.35%$1.0837.44%
PBProsperity Bancshares, Inc.3.34%$2.3241.44%
PFGPrincipal Financial Group, Inc.3.34%$2.9943.04%
EVBNEvans Bancorp, Inc.3.33%$1.3160.97%
NFYSEnphys Acquisition Corp.3.33%$0.3768.70%
KMPRKemper Corporation3.32%$1.3132.45%