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Commercial BancgroupCBK +0.09%10 Net Margin % is 42.33% as of Jun. 2026, which is 13% above its 10-year median of 37.58. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Commercial Bancgroup ranks better than 87.2% on this metric.
Commercial Bancgroup (NAS:CBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Commercial Bancgroup Net Margin % Related Terms
Commercial Bancgroup Net Margin % Historical Data
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The historical data trend for Commercial Bancgroup's Net 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.
For the Banks - Regional subindustry, Commercial Bancgroup's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bancgroup's Net Margin % distribution charts can be found below:
* The bar in red indicates where Commercial Bancgroup's Net Margin % 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 Net Margin % of 42.33% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Commercial Bancgroup and its competitors. This is 13% above median its historical median of 37.58. Over the past decade, Commercial Bancgroup's Net Margin % has ranged from 35.81 to 42.11. According to the industry distribution chart, Commercial Bancgroup ranks #195 out of 1523 companies in the Banks industry, placing it in the top 12.8%.
Is Commercial Bancgroup's Net Margin % too high?
Commercial Bancgroup's current Net Margin % of 42.33% is 13% above median its 10-year median of 37.58. Over the past 10 years, this metric has ranged from a low of 35.81 to a high of 42.11. The Banks industry median Net Margin % is 27.33. Commercial Bancgroup's value of 42.33% is 54.9% above this industry median. Based on the distribution chart, Commercial Bancgroup ranks #195 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #195 out of 1523 companies for Net Margin %. This places Commercial Bancgroup in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.33. Commercial Bancgroup's value of 42.33% is 54.9% above this benchmark. Historically, Commercial Bancgroup's own Net Margin % has ranged from 35.81 to 42.11 over the past decade. While the company's 10-year median is 37.58 vs. the industry median of 27.33, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.33, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bancgroup's current Net Margin % of 42.33% is 54.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Commercial Bancgroup and its competitors. For the Banks industry, the median Net Margin % is 27.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current Net Margin % is 42.33%, which is 13% above median its own 10-year median of 37.58. 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 Net Margin % of 42.33%. The current Net Margin % is 42.33%, which is 13% above median its 10-year median of 37.58 and 54.9% above the Banks industry median of 27.33. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current Net Margin % is 42.33% 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.
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