Commercial Bancgroup (CBK) Q4 FY2025 earnings: revenue $23 million

Commercial Bancgroup, Inc. (CBK) reported revenue of $23 million for Q4 FY2025, the quarter ended 31 December 2025. Net income was $10 million, and diluted earnings per share $0.72. The figures are the company's own, from the 10-K it filed with the SEC on 24 March 2026.

Revenue$23 million

Net income$10 million

Diluted EPS$0.72

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	A year earlier	Change on the year
Revenue	23.4	22.8	n/a	n/a
Pre-tax income	12.4	12.3	n/a	n/a
Income tax	2.2	2.8	n/a	n/a
Effective tax rate	18.0%	23.0%	n/a
Net income	10.1	9.5	n/a	n/a
Net margin	43.2%	41.4%	n/a
Diluted EPS	$0.72	$0.77	n/a	n/a

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	A year earlier	Change on the year
Operating cash flow	9.1	8.4	n/a	n/a
Capital expenditure	0.3	0.5	n/a	n/a
Free cash flow	8.8	7.9	n/a	n/a
Cash from investing	-88.6	51.5	n/a	n/a
Cash from financing	69.0	-56.4	n/a	n/a
Depreciation and amortisation	1.0	1.0	n/a	n/a
Buybacks	0.0	0.0	n/a	n/a
Dividends paid	0.0	0.0	n/a	n/a
Diluted shares, weighted	13m	12m	n/a	n/a
Shares outstanding at period end	14m	12m	n/a	n/a

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	A year earlier	Change on the year
Shareholders' equity	285	245	n/a	n/a
Deposits	1,816	1,781	n/a	n/a
Debt	167	163	n/a	n/a
Other liabilities	23.5	25.9	n/a	n/a
Total liabilities and equity	2,291	2,214	n/a	n/a
Fixed assets	49.8	50.3	n/a	n/a
Goodwill	8.5	8.5	n/a	n/a
Intangible assets	4.3	4.6	n/a	n/a
Securities held for sale or to maturity	141	161	n/a	n/a
Cash and equivalents	144	155	n/a	n/a
Other assets	1,944	1,835	n/a	n/a
Total assets	2,291	2,214	n/a	n/a

Questions

What was Commercial Bancgroup's revenue in Q4 FY2025?

Commercial Bancgroup (CBK) reported revenue of $23 million for Q4 FY2025, the quarter ended 31 December 2025.

How much did Commercial Bancgroup earn in Q4 FY2025?

Net income for Q4 FY2025 was $10 million, and diluted earnings per share $0.72.

When did Commercial Bancgroup report Q4 FY2025 results?

Commercial Bancgroup filed its 10-K for the year that ended with the quarter on 24 March 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 7 quarters

	Q3 FY2024	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	21.9	21.8	22.3	22.8	23.4	23.1	24.2
Pre-tax income	11.0	11.2	11.6	12.3	12.4	11.9	12.9
Tax rate	16%	22%	23%	23%	18%	20%	21%
Net income	9.2	8.7	8.9	9.5	10.1	9.5	10.2
Net margin	42%	40%	40%	41%	43%	41%	42%
Diluted EPS	$0.74	$0.72	$0.73	$0.77	$0.72	$0.70	$0.74
Operating cash flow	n/a	12.1	7.5	8.4	9.1	13.4	10.1
Capital expenditure	n/a	0.3	0.7	0.5	0.3	0.2	1.3
Free cash flow	n/a	11.7	6.8	7.9	8.8	13.1	8.8
Buybacks	n/a	1.0	0.0	0.0	0.0	n/a	n/a
Dividends paid	n/a	2.0	0.0	0.0	0.0	1.4	1.4
Shares outstanding	12m	14m	14m	12m	14m	14m	14m
Filing	10-Q	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-K for the period ended 31 December 2025, filed 24 March 2026: the filing.