Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data Commercial Bancgroup, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2025
FY2025
Pre-tax income
40.6
47.4
Income tax
8.89
10.2
Net income to minority interests
0.28
Net income
31.4
37.2
EPS, basic
2.58
2.95
EPS, diluted
2.54
2.95
Shares, basic (weighted)
12.2
12.6
Shares, diluted (weighted)
12.2
12.6
Dividend per share
0.16
0.17
Balance sheet
FY2025
FY2025
Cash and equivalents
178
144
Property, plant and equipment
50.3
49.8
Goodwill
8.51
8.51
Intangible assets
5.82
4.26
Other non-current assets
30.2
21.6
Total assets
2,301
2,291
Short-term debt
3.39
88.3
Long-term debt
106
78.6
Total liabilities
2,081
2,006
Total debt
106
78.6
Paid-in capital
9.39
38.4
Retained earnings
212
248
Other comprehensive income
-1.56
-0.67
Shareholders' equity
220
285
Total equity
220
285
Total liabilities and equity
2,301
2,291
Shares outstanding
12.1
13.7
Cash flow statement
FY2025
FY2025
Net income
31.7
37.2
Depreciation and amortization
4.11
3.71
Stock-based compensation
2.14
0.12
Deferred income tax
-1.14
-0.23
Cash from operations
38.7
37.1
Capital expenditures
-3.04
-1.87
Purchases of investments
-30.3
-31.8
Sales and maturities of investments
34
37.9
Cash from investing
-84.9
-32.7
Debt issued
2.15
8.33
Debt repaid
-40.2
-35.5
Stock issued
29.9
Share buybacks
-1.83
-0.98
Dividends paid
-2
-2
Cash from financing
68.5
-38.3
Net change in cash
22.3
-33.9
Free cash flow
35.6
35.2
Interest paid
44.5
42.4
Income taxes paid
9.75
9.5
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $32.09 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
20.4%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
13.0%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.7%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
18.4%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
16.1%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
-4.1%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-1.1%
Free cash flow vs the same period a year earlier. Only from a positive base.
Dividend per share growth, 1y
6.3%
Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
29.6%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
-0.4%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
3.4%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.24x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
3.1%
Total debt / total assets.
Liabilities / assets
87.3%
Total liabilities / total assets.
Net debt
-$96.9M
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
5.7%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$2.87
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$2.82
Free cash flow / diluted weighted shares.
Operating cash flow per share
$2.98
Cash from operations / diluted weighted shares.
Book value per share
$22.09
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Dividends / FCF
7.1%
Dividends paid / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$439.7M
Share price x shares outstanding.
Enterprise value
$342.8M
Market cap + total debt - cash - short-term investments.
P/E
11.2x
Market cap / net income. Only when net income is positive.
P/B
1.45x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.51x
Market cap / tangible book value, when positive.
P/FCF
11.4x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
10.8x
Market cap / cash from operations, when positive.
EV/FCF
8.89x
Enterprise value / free cash flow, when both are positive.
FCF yield
8.8%
Free cash flow / market cap.
Earnings yield
9.0%
Net income / market cap (the inverse of P/E).
Dividend yield
0.6%
Dividends paid over the period / market cap.
Shareholder yield
0.6%
(Dividends paid + share buybacks) / market cap.
Was Commercial Bancgroup, Inc. profitable in fiscal 2025?
Yes. Net income was $37.2M, a net margin of -.
How much free cash flow did Commercial Bancgroup, Inc. generate in fiscal 2025?
Cash from operations of $37.1M minus capital expenditures of $1.9M left free cash flow of $35.2M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.