Commercial Bancgroup, Inc. Common Stock (CBK)

Category: Company Returns Sector: Financial Services Industry: Banks Live Price: $25.56

Balance Sheet Returns

Metric	2024-12-31	2023-12-31
Net Income	31M	31M
Cash & Cash Equivalents	134M	145M
Return on Cash & Cash Equivalents	23.36%	21.16%
Short-Term Investments	100M	52M
Return on Short-Term Investments	31.47%	58.98%
Cash & Short-Term Investments	234M	197M
Return on Cash & Short-Term Investments	13.41%	15.57%
Net Receivables	7M	8M
Return on Net Receivables	437.02%	372.46%
Inventory	0M	0M
Return on Inventory	0.00%	0.00%
Other Current Assets	0M	0M
Return on Other Current Assets	0.00%	0.00%
Total Current Assets	241M	205M
Return on Total Current Assets	13.01%	14.95%
Property, Plant & Equipment	50M	52M
Return on Property, Plant & Equipment	62.46%	58.73%
Goodwill	9M	9M
Return on Goodwill	368.92%	360.63%
Intangible Assets	5M	8M
Return on Intangible Assets	578.50%	402.14%
Long-Term Investments	1,865M	1,828M
Return on Long-Term Investments	1.68%	1.68%
Tax Assets	1M	0M
Return on Tax Assets	2,911.34%	19,893.17%
Other Non-Current Assets	129M	94M
Return on Other Non-Current Assets	24.29%	32.58%
Other Assets	0M	0M
Return on Other Assets	0.00%	0.00%
Total Non-Current Assets	2,060M	1,991M
Return on Total Non-Current Assets	1.52%	1.54%
Total Assets	2,301M	2,197M
Return on Total Assets	1.36%	1.40%
Accounts Payable	4M	4M
Return on Accounts Payable	743.48%	842.41%
Short-Term Debt	3M	6M
Return on Short-Term Debt	926.12%	507.61%
Tax Payables	0M	0M
Return on Tax Payables	0.00%	0.00%
Deferred Revenue	0M	0M
Return on Deferred Revenue	0.00%	0.00%
Other Current Liabilities	1,939M	1,820M
Return on Other Current Liabilities	1.62%	1.69%
Total Current Liabilities	1,946M	1,830M
Return on Total Current Liabilities	1.61%	1.68%
Long-Term Debt	106M	143M
Return on Long-Term Debt	29.70%	21.43%
Capital Lease Obligations	0M	0M
Return on Capital Lease Obligations	0.00%	0.00%
Deferred Tax Liabilities	0M	0M
Return on Deferred Tax Liabilities	0.00%	0.00%
Other Non-Current Liabilities	29M	28M
Return on Other Non-Current Liabilities	108.42%	109.61%
Total Non-Current Liabilities	135M	171M
Return on Total Non-Current Liabilities	23.31%	17.93%
Total Liabilities	2,081M	2,001M
Return on Total Liabilities	1.51%	1.53%
Preferred Stock	0M	0M
Return on Preferred Stock	0.00%	0.00%
Common Stock	0M	0M
Return on Common Stock	25,930.54%	25,133.86%
Retained Earnings	212M	183M
Return on Retained Earnings	14.79%	16.78%
Accumulated OCI	-2M	-2M
Return on Accumulated OCI	-2,007.66%	-1,780.05%
Minority Interest	0M	5M
Return on Minority Interest	0.00%	568.15%
Total Shareholders’ Equity	220M	190M
Return on Total Shareholders’ Equity	14.26%	16.12%
Total Equity	220M	196M
Return on Total Equity	14.26%	15.68%
Total Liabilities & Equity	2,301M	2,197M
Return on Total Liabilities & Equity	1.36%	1.40%
Total Investments	1,965M	1,881M
Return on Total Investments	1.60%	1.63%
Net Debt	-25M	4M
Return on Net Debt	-124.19%	733.72%

Capital Returns

Metric	2024-12-31	2023-12-31
Net Income	31M	31M
Working Capital	-1,705M	-1,624M
Return on Working Capital	-1.84%	-1.89%
Total Capital	329M	340M
Return on Total Capital	9.53%	9.04%
Capital Employed	355M	367M
Return on Capital Employed	8.85%	8.36%
Invested Capital	195M	195M
Return on Invested Capital	16.11%	15.78%

Cash Flow Returns

Metric	TTM	TTM-1	2024-12-31	2023-12-31
Net Income	33M	0M	31M	31M
Depreciation & Amortization	3M	0M	5M	4M
Return on Depreciation & Amortization	1,154.62%	0.00%	683.75%	867.14%
Deferred Income Tax	0M	0M	0M	0M
Return on Deferred Income Tax	0.00%	0.00%	0.00%	0.00%
Stock-Based Compensation	0M	0M	2M	0M
Return on Stock-Based Compensation	0.00%	0.00%	1,465.34%	6,692.40%
Change in Working Capital	2M	0M	-1M	0M
Return on Change in Working Capital	1,494.05%	0.00%	-4,457.09%	9,124.36%
Accounts Receivable	1M	0M	1M	-2M
Return on Accounts Receivable	3,722.15%	0.00%	2,982.30%	-1,534.06%
Inventory	0M	0M	0M	0M
Return on Inventory	0.00%	0.00%	0.00%	0.00%
Accounts Payable	-1M	0M	1M	3M
Return on Accounts Payable	-3,815.13%	0.00%	2,680.48%	1,064.89%
Other Working Capital	2M	0M	-3M	-1M
Return on Other Working Capital	1,508.81%	0.00%	-1,072.11%	-5,630.51%
Other Non-Cash Items	1M	0M	1M	3M
Return on Other Non-Cash Items	6,237.78%	0.00%	3,280.18%	918.84%
Net Cash from Operating Activities	38M	0M	39M	39M
Return on Net Cash from Operating Activities	85.50%	0.00%	81.21%	78.93%
Capital Expenditures (PPE)	-2M	0M	-3M	-3M
Return on Capital Expenditures (PPE)	-1,617.02%	0.00%	-1,032.85%	-969.46%
Acquisitions (Net)	0M	0M	0M	8M
Return on Acquisitions (Net)	0.00%	0.00%	0.00%	384.98%
Purchases of Investments	-120M	0M	-47M	-17M
Return on Purchases of Investments	-27.16%	0.00%	-66.44%	-184.35%
Sales / Maturities of Investments	142M	0M	81M	35M
Return on Sales / Maturities of Investments	23.04%	0.00%	38.63%	86.81%
Other Investing Activities	-16M	0M	-116M	-151M
Return on Other Investing Activities	-202.37%	0.00%	-27.09%	-20.26%
Net Cash from Investing Activities	3M	0M	-85M	-128M
Return on Net Cash from Investing Activities	963.64%	0.00%	-36.98%	-23.99%
Net Debt Issuance	50M	0M	-41M	7M
Return on Net Debt Issuance	65.27%	0.00%	-77.19%	459.69%
Long-Term Debt Issuance	-8M	0M	-38M	8M
Return on Long-Term Debt Issuance	-423.76%	0.00%	-82.58%	366.87%
Short-Term Debt Issuance	58M	0M	-3M	-2M
Return on Short-Term Debt Issuance	56.56%	0.00%	-1,183.06%	-1,816.92%
Net Stock Issuance	-3M	0M	-2M	2M
Return on Net Stock Issuance	-1,181.32%	0.00%	-1,716.57%	1,720.42%
Common Stock Issuance	0M	0M	0M	4M
Return on Common Stock Issuance	0.00%	0.00%	0.00%	789.20%
Common Stock Repurchased	-3M	0M	-2M	-2M
Return on Common Stock Repurchased	-1,181.32%	0.00%	-1,716.57%	-1,458.04%
Preferred Stock Issuance	0M	0M	0M	0M
Return on Preferred Stock Issuance	0.00%	0.00%	0.00%	0.00%
Net Dividends Paid	-2M	0M	-2M	-1M
Return on Net Dividends Paid	-1,631.69%	0.00%	-1,568.40%	-2,052.65%
Common Dividends Paid	-2M	0M	-2M	-1M
Return on Common Dividends Paid	-1,631.69%	0.00%	-1,568.40%	-2,052.65%
Preferred Dividends Paid	0M	0M	0M	0M
Return on Preferred Dividends Paid	0.00%	0.00%	0.00%	0.00%
Other Financing Activities	-112M	0M	113M	176M
Return on Other Financing Activities	-29.06%	0.00%	27.79%	17.43%
Net Cash from Financing Activities	-67M	0M	69M	183M
Return on Net Cash from Financing Activities	-48.66%	0.00%	45.85%	16.76%
Effect of FX on Cash	0M	0M	0M	0M
Return on Effect of FX on Cash	0.00%	0.00%	0.00%	0.00%
Net Change in Cash	-26M	0M	22M	94M
Return on Net Change in Cash	-127.93%	0.00%	141.12%	32.64%
Cash at Beginning of Period	660M	0M	156M	62M
Return on Cash at Beginning of Period	4.95%	0.00%	20.14%	49.58%
Cash at End of Period	635M	0M	178M	156M
Return on Cash at End of Period	5.15%	0.00%	17.63%	19.68%
Operating Cash Flow	38M	0M	39M	39M
Return on Operating Cash Flow	85.50%	0.00%	81.21%	78.93%
Capital Expenditure	-2M	0M	-3M	-3M
Return on Capital Expenditure	-1,617.02%	0.00%	-1,032.85%	-969.46%
Free Cash Flow	36M	0M	36M	36M
Return on Free Cash Flow	90.27%	0.00%	88.14%	85.92%

Free Cash Flow Returns

Metric	TTM	TTM-1	2024-12-31	2023-12-31
Net Income	33M	N/A	32M	31M
EBITDA	47M	N/A	45M	43M
Return on EBITDA	69.91%	N/A	70.15%	72.20%
(-) Tax Adjustment	12M	N/A	10M	9M
Return on (-) Tax Adjustment	273.22%	N/A	320.31%	337.92%
(-) Change In Working Capital	2M	N/A	-1M	0M
Return on (-) Change In Working Capital	1,494.05%	N/A	-4,496.24%	9,278.69%
(-) Capital Expenditure	-2M	N/A	-3M	-3M
Return on (-) Capital Expenditure	-1,617.02%	N/A	-1,041.92%	-985.86%
Unlevered Free Cash Flow	31M	N/A	33M	30M
Return on Unlevered Free Cash Flow	106.87%	N/A	96.20%	102.36%
(-) Net Interest Income After Taxes	59M	N/A	61M	57M
Return on (-) Net Interest Income After Taxes	55.54%	N/A	52.29%	55.05%
Net Debt Issuance	50M	N/A	-41M	7M
Return on Net Debt Issuance	65.27%	N/A	-77.87%	467.47%
Levered Free Cash Flow	22M	N/A	-68M	-20M
Return on Levered Free Cash Flow	149.89%	N/A	-46.36%	-159.85%