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 ROE % is 13.71% as of Jun. 2026, which is 10% below its 10-year median of 15.30. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Commercial Bancgroup ranks better than 77.12% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bancgroup's ROE % distribution charts can be found below:
* The bar in red indicates where Commercial Bancgroup's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Commercial Bancgroup (CBK) has a ROE % of 13.71% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial Bancgroup and its competitors. This is 10% below median its historical median of 15.30. Over the past decade, Commercial Bancgroup's ROE % has ranged from 14.45 to 16.12. According to the industry distribution chart, Commercial Bancgroup ranks #348 out of 1521 companies in the Banks industry, placing it in the top 22.9%.
Is Commercial Bancgroup's ROE % too high?
Commercial Bancgroup's current ROE % of 13.71% is 10% below median its 10-year median of 15.30. Over the past 10 years, this metric has ranged from a low of 14.45 to a high of 16.12. The Banks industry median ROE % is 10.48. Commercial Bancgroup's value of 13.71% is 30.8% above this industry median. Based on the distribution chart, Commercial Bancgroup ranks #348 out of 1521 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 ROE % compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #348 out of 1521 companies for ROE %. This places Commercial Bancgroup in the top 23% of its industry — outperforming the majority of peers. The industry median ROE % is 10.48. Commercial Bancgroup's value of 13.71% is 30.8% above this benchmark. Historically, Commercial Bancgroup's own ROE % has ranged from 14.45 to 16.12 over the past decade. While the company's 10-year median is 15.30 vs. the industry median of 10.48, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.48, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bancgroup's current ROE % of 13.71% is 30.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial Bancgroup and its competitors. For the Banks industry, the median ROE % is 10.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bancgroup's current ROE % is 13.71%, which is 10% below median its own 10-year median of 15.30. 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 ROE % of 13.71%. The current ROE % is 13.71%, which is 10% below median its 10-year median of 15.30 and 30.8% above the Banks industry median of 10.48. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Commercial Bancgroup (CBK), the current ROE % is 13.71% 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
ROE % 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 
