CBK (Commercial Bancgroup) FCF Margin %: 36.43% (As of Jun. 2026) — 10% Below Median

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CBK Commercial Bancgroup Inc CBK
10 GF Score
Price $33.84
! 5 Warning Signs
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What is Commercial Bancgroup FCF Margin %?

Commercial Bancgroup CBK +0.09% 10 FCF Margin % is 36.43% as of Jun. 2026, which is 10% below its 10-year median of 40.63. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 1,496 Banks companies, Commercial Bancgroup ranks better than 68.98% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Commercial Bancgroup's Free Cash Flow for the three months ended in Jun. 2026 was $8.79 Mil. Commercial Bancgroup's Revenue for the three months ended in Jun. 2026 was $24.14 Mil. Therefore, Commercial Bancgroup's FCF Margin % for the quarter that ended in Jun. 2026 was 36.43%.

As of today, Commercial Bancgroup's current FCF Yield % is 8.32%.

The historical rank and industry rank for Commercial Bancgroup's FCF Margin % or its related term are showing as below:

CBK' s FCF Margin % Range Over the Past 10 Years
Min: 39   Med: 40.63   Max: 43.74
Current: 41.27


During the past 3 years, the highest FCF Margin % of Commercial Bancgroup was 43.74%. The lowest was 39.00%. And the median was 40.63%.

CBK's FCF Margin % is ranked better than
68.98% of 1496 companies
in the Banks industry
Industry Median: 27.17 vs CBK: 41.27


Commercial Bancgroup FCF Margin % Related Terms


Commercial Bancgroup FCF Margin % Historical Data

* Premium members only.

The historical data trend for Commercial Bancgroup's FCF Margin % 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.

Commercial Bancgroup FCF Margin % Chart

Commercial Bancgroup Annual Data
Trend Dec23 Dec24 Dec25
FCF Margin %
43.74 40.63 39.00

Commercial Bancgroup Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 30.70 34.59 37.44 56.85 36.43

CBK vs FRBA, GBFH, RBB: FCF Margin % Comparison

For the Banks - Regional subindustry, Commercial Bancgroup's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bancgroup's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Commercial Bancgroup's FCF Margin % falls into.


CBK
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Commercial Bancgroup Inc CBK
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bancgroup FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Commercial Bancgroup's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=35.23/90.323
=39.00 %

Commercial Bancgroup's FCF Margin for the quarter that ended in Jun. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=8.793/24.136
=36.43 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 36.43% mean?
Commercial Bancgroup (CBK) has a FCF Margin % of 36.43% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial Bancgroup and its competitors. This is 10% below median its historical median of 40.63. Over the past decade, Commercial Bancgroup's FCF Margin % has ranged from 39.00 to 43.74. According to the industry distribution chart, Commercial Bancgroup ranks #464 out of 1496 companies in the Banks industry, placing it in the top 31%.
Is Commercial Bancgroup's FCF Margin % too high?
Commercial Bancgroup's current FCF Margin % of 36.43% is 10% below median its 10-year median of 40.63. Over the past 10 years, this metric has ranged from a low of 39.00 to a high of 43.74. The Banks industry median FCF Margin % is 27.17. Commercial Bancgroup's value of 36.43% is 34.1% above this industry median. Based on the distribution chart, Commercial Bancgroup ranks #464 out of 1496 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 FCF Margin % compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #464 out of 1496 companies for FCF Margin %. This puts Commercial Bancgroup in the upper half of its industry. The industry median FCF Margin % is 27.17. Commercial Bancgroup's value of 36.43% is 34.1% above this benchmark. Historically, Commercial Bancgroup's own FCF Margin % has ranged from 39.00 to 43.74 over the past decade. While the company's 10-year median is 40.63 vs. the industry median of 27.17, Commercial Bancgroup has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bancgroup's current FCF Margin % of 36.43% is 34.1% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial Bancgroup and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current FCF Margin % is 36.43%, which is 10% below median its own 10-year median of 40.63. 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 FCF Margin % of 36.43%. The current FCF Margin % is 36.43%, which is 10% below median its 10-year median of 40.63 and 34.1% above the Banks industry median of 27.17. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current FCF Margin % is 36.43% 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 Business Description

Address 6710 Cumberland Gap Parkway, Harrogate, TN, USA, 37752
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.
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