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Commercial BancgroupCBK +0.09%10 Return-on-Tangible-Asset is 1.75% as of Jun. 2026, which is 24% above its 10-year median of 1.41. 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 82.8% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Commercial Bancgroup's annualizedNet Income for the quarter that ended in Jun. 2026 was $40.86 Mil. Commercial Bancgroup's average total tangible assets for the quarter that ended in Jun. 2026 was $2,340.48 Mil. Therefore, Commercial Bancgroup's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.75%.
The historical rank and industry rank for Commercial Bancgroup's Return-on-Tangible-Asset or its related term are showing as below:
CBK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.41 Med: 1.41 Max: 1.72
Current: 1.72
During the past 3 years, Commercial Bancgroup's highest Return-on-Tangible-Asset was 1.72%. The lowest was 1.41%. And the median was 1.41%.
CBK's Return-on-Tangible-Asset is ranked better than 82.8% of 1523
companies
in the Banks industry
Industry Median: 1.03
vs CBK: 1.72
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Commercial Bancgroup Return-on-Tangible-Asset Related Terms
Commercial Bancgroup Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Commercial Bancgroup's Return-on-Tangible-Asset 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.
CBK vs FRBA, GBFH, RBB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Commercial Bancgroup's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bancgroup's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Commercial Bancgroup's Return-on-Tangible-Asset 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 the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.75% mean?
Commercial Bancgroup (CBK) has a Return-on-Tangible-Asset of 1.75% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Commercial Bancgroup and its competitors. This is 24% above median its historical median of 1.41. Over the past decade, Commercial Bancgroup's Return-on-Tangible-Asset has ranged from 1.41 to 1.72. According to the industry distribution chart, Commercial Bancgroup ranks #262 out of 1523 companies in the Banks industry, placing it in the top 17.2%.
Is Commercial Bancgroup's Return-on-Tangible-Asset too high?
Commercial Bancgroup's current Return-on-Tangible-Asset of 1.75% is 24% above median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 1.72. The Banks industry median Return-on-Tangible-Asset is 1.03. Commercial Bancgroup's value of 1.75% is 69.9% above this industry median. Based on the distribution chart, Commercial Bancgroup ranks #262 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 Return-on-Tangible-Asset compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #262 out of 1523 companies for Return-on-Tangible-Asset. This places Commercial Bancgroup in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.03. Commercial Bancgroup's value of 1.75% is 69.9% above this benchmark. Historically, Commercial Bancgroup's own Return-on-Tangible-Asset has ranged from 1.41 to 1.72 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bancgroup's current Return-on-Tangible-Asset of 1.75% is 69.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Commercial Bancgroup and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current Return-on-Tangible-Asset is 1.75%, which is 24% above median its own 10-year median of 1.41. 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 Return-on-Tangible-Asset of 1.75%. The current Return-on-Tangible-Asset is 1.75%, which is 24% above median its 10-year median of 1.41 and 69.9% above the Banks industry median of 1.03. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current Return-on-Tangible-Asset is 1.75% 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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