DDM Analysis: CBK

Valuation Snapshot

Stable Growth	$25.45 - $40.31	$32.23
Multi-Stage	$63.59 - $70.16	$66.81
Blended Fair Value	$49.52
Current Price	$24.00
Upside	106.32%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023
DPS	0.00%	0.00%	0.16	0.12	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.53	4.08	2.45
Cash Retained (M)	30.67	30.67	30.67
(-) Cash Required (M)	-6.53	-4.08	-2.45
(=) Excess Retained (M)	24.13	26.58	28.22
(/) Shares Outstanding (M)	12.84	12.84	12.84
(=) Excess Retained per Share	1.88	2.07	2.20
LTM Dividend per Share	0.16	0.16	0.16
(+) Excess Retained per Share	1.88	2.07	2.20
(=) Adjusted Dividend	2.04	2.23	2.35
WACC / Discount Rate	5.84%	5.84%	5.84%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$25.45	$32.23	$40.31
Upside / Downside	6.02%	34.28%	67.94%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	32.67	32.34	32.02	31.70	31.38	31.07	32.00
Payout Ratio	6.13%	22.90%	39.68%	56.45%	73.23%	90.00%	92.50%
Projected Dividends (M)	2.00	7.41	12.70	17.89	22.98	27.96	29.60

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.84%	5.84%	5.84%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	6.93	7.00	7.07
Year 2 PV (M)	11.11	11.34	11.57
Year 3 PV (M)	14.64	15.09	15.55
Year 4 PV (M)	17.58	18.31	19.06
Year 5 PV (M)	20.01	21.05	22.14
PV of Terminal Value (M)	746.16	785.01	825.47
Equity Value (M)	816.43	857.81	900.86
Shares Outstanding (M)	12.84	12.84	12.84
Fair Value	$63.59	$66.81	$70.16
Upside / Downside	164.94%	178.37%	192.34%

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Commercial Bancgroup, Inc. Common Stock (CBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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