Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Commercial BancgroupCBK +0.09%10 Debt-to-Equity is 0.57 as of Jun. 2026, which is 16% above its 10-year median of 0.49. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 1,414 Banks companies, Commercial Bancgroup ranks better than 50.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Commercial Bancgroup's Debt-to-Equity or its related term are showing as below:
CBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 0.49 Max: 0.72
Current: 0.57
During the past 3 years, the highest Debt-to-Equity Ratio of Commercial Bancgroup was 0.72. The lowest was 0.39. And the median was 0.49.
CBK's Debt-to-Equity is ranked better than 50.92% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs CBK: 0.57
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Commercial Bancgroup Debt-to-Equity Related Terms
Commercial Bancgroup Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Commercial Bancgroup's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Commercial Bancgroup's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commercial Bancgroup Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bancgroup's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Commercial Bancgroup's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commercial Bancgroup (CBK) has a Debt-to-Equity of 0.57 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial Bancgroup and its competitors. This is 16% above median its historical median of 0.49. Over the past decade, Commercial Bancgroup's Debt-to-Equity has ranged from 0.39 to 0.72. According to the industry distribution chart, Commercial Bancgroup ranks #694 out of 1414 companies in the Banks industry, placing it in the top 49.1%.
Is Commercial Bancgroup's Debt-to-Equity too high?
Commercial Bancgroup's current Debt-to-Equity of 0.57 is 16% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.72. The Banks industry median Debt-to-Equity is 0.58. Commercial Bancgroup's value of 0.57 is 1.7% below this industry median. Based on the distribution chart, Commercial Bancgroup ranks #694 out of 1414 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bancgroup has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Commercial Bancgroup's Debt-to-Equity compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #694 out of 1414 companies for Debt-to-Equity. This puts Commercial Bancgroup in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Commercial Bancgroup's value of 0.57 is 1.7% below this benchmark. Historically, Commercial Bancgroup's own Debt-to-Equity has ranged from 0.39 to 0.72 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.58, Commercial Bancgroup has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bancgroup's current Debt-to-Equity of 0.57 is 1.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial Bancgroup and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current Debt-to-Equity is 0.57, which is 16% above median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bancgroup stock overvalued right now?
Commercial Bancgroup (CBK) has a current Debt-to-Equity of 0.57. The current Debt-to-Equity is 0.57, which is 16% above median its 10-year median of 0.49 and 1.7% below the Banks industry median of 0.58. Commercial Bancgroup's overall GF Score™ is 10/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current Debt-to-Equity is 0.57 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Commercial Bancgroup Inc is a bank holding company. Through its subsidiary, it operates as a full-service community banking institution offering traditional consumer and commercial products and services to businesses and individuals in select markets in Kentucky, North Carolina, and Tennessee. In Tennessee, its service areas include the metropolitan statistical areas of Nashville Davidson, Murfreesboro, Franklin, Knoxville, and the Tri Cities region of Kingsport, Bristol, and Johnson City, as well as Claiborne County, Cocke County, Union County, Hamblen County, and their surrounding areas.
10GF Score
Get the complete analysis for CBK
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBK has been successfully added to your 
