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Commercial BancgroupCBK +0.09%10 Net-Net Working Capital is $-133.70 as of Jun. 2026. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 9 Banks companies, Commercial Bancgroup ranks worse than 11111100% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Commercial Bancgroup's Net-Net Working Capital for the quarter that ended in Jun. 2026 was $-133.70.
The industry rank for Commercial Bancgroup's Net-Net Working Capital or its related term are showing as below:
CBK's Price-to-Net-Net-Working-Capital is not ranked *
in the Banks industry.
Industry Median: 2.05 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Commercial Bancgroup (NAS:CBK) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Commercial Bancgroup Net-Net Working Capital Related Terms
Commercial Bancgroup Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for Commercial Bancgroup's Net-Net Working Capital 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 Net-Net Working Capital Chart
CBK vs FRBA, GBFH, RBB: Net-Net Working Capital Comparison
For the Banks - Regional subindustry, Commercial Bancgroup's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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 Price-to-Net-Net-Working-Capital vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bancgroup's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Commercial Bancgroup's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of $-133.70 mean?
Commercial Bancgroup (CBK) has a Net-Net Working Capital of $-133.70 as of Jun. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Commercial Bancgroup According to the industry distribution chart, Commercial Bancgroup ranks #999999 out of 9 companies in the Banks industry.
Is Commercial Bancgroup's Net-Net Working Capital too high?
Commercial Bancgroup's current Net-Net Working Capital is $-133.70. Based on the distribution chart, Commercial Bancgroup ranks #999999 out of 9 companies in the Banks industry, which is in the bottom quartile 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-Net Working Capital compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #999999 out of 9 companies for Net-Net Working Capital. This places Commercial Bancgroup in the lower half of its industry. The industry median Net-Net Working Capital is 2.05. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Banks company?
The median Net-Net Working Capital among Banks companies is 2.05, based on 9 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Commercial Bancgroup For the Banks industry, the median Net-Net Working Capital is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current Net-Net Working Capital is $-133.70. 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-Net Working Capital of $-133.70. The current Net-Net Working Capital is $-133.70. 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-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current Net-Net Working Capital is $-133.70 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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