Commercial Bancgroup, Inc. Common Stock cash flow to debt ratio of 22.23% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Commercial Bancgroup, Inc. Common Stock's free cash flow has decreased 1.14% from $35.63M last year to $35.23M, signaling decreasing performance

Commercial Bancgroup, Inc. Common Stock's debt to equity ratio is 0.58, which means that the company's assets are healthy financed, signaling financial stability.

Commercial Bancgroup, Inc. Common Stock's debt has increased relative to shareholder equity from 0.50 last year to 0.58 today, signaling weakened financials

Commercial Bancgroup, Inc. Common Stock has a net debt to EBITDA ratio of 3.37x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Commercial Bancgroup, Inc. Common Stock earns at least as much interest as it pays. Interest obligations are fully covered.

Commercial Bancgroup, Inc. Common Stock's profit margin has increased (28.86%) in the last year from 23.56% to 30.36%, signaling increasing performance

Commercial Bancgroup, Inc. Common Stock's short-term liabilities of $1.01B exceed its short-term assets of $144.57M, signaling financial risk

Commercial Bancgroup, Inc. Common Stock's return on assets of 1.65% is lower than the 5.00% threshold, indicating inefficient asset utilization

Commercial Bancgroup, Inc. Common Stock's return on equity of 13.90%, is lower than 15.00%, indicating bad performance

Commercial Bancgroup, Inc. Common Stock's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Commercial Bancgroup, Inc. Common Stock has insufficient public price history to evaluate earnings stability.

Commercial Bancgroup, Inc. Common Stock has positive free cash flow, indicating the company generates cash after capital expenditures

Commercial Bancgroup, Inc. Common Stock has a free cash flow yield of 7.41%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Commercial Bancgroup, Inc. Common Stock's yearly earnings has increased 18.42% since last year from $31.41M to $37.20M, signaling increasing performance

Commercial Bancgroup, Inc. Common Stock's yearly revenue has decreased 1.35% since last year from $133.33M to $131.53M, signaling decreasing performance

ROIC 1.65% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Commercial Bancgroup, Inc. Common Stock has insufficient revenue history to calculate 3-year revenue CAGR.

Commercial Bancgroup, Inc. Common Stock has insufficient public price history to evaluate revenue consistency.

Commercial Bancgroup, Inc. Common Stock has insufficient public price history to evaluate ROE consistency.

Commercial Bancgroup, Inc. Common Stock has insufficient data to evaluate this check.

Commercial Bancgroup, Inc. Common Stock has an earnings yield of 8.23%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Commercial Bancgroup, Inc. Common Stock is overvalued relative to its fair value price of 13.15 based on EBITDA multiple model

Commercial Bancgroup, Inc. Common Stock has an EV/EBITDA ratio of 12.96x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Commercial Bancgroup, Inc. Common Stock has insufficient data to evaluate this check.

Commercial Bancgroup, Inc. Common Stock has insufficient diluted EPS history to calculate the PEG ratio.

Commercial Bancgroup, Inc. Common Stock has a price-to-book ratio of 1.57x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Commercial Bancgroup, Inc. Common Stock has a price-to-sales ratio of 3.69x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue