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Side-by-side financial comparison of Commercial Bancgroup, Inc. (CBK) and JFB Construction Holdings (JFB). Click either name above to swap in a different company.
Commercial Bancgroup, Inc. is the larger business by last-quarter revenue ($23.1M vs $16.0M, roughly 1.4× JFB Construction Holdings). Commercial Bancgroup, Inc. runs the higher net margin — 41.3% vs -11.7%, a 53.1% gap on every dollar of revenue.
Commercial Bancgroup, Inc.CBKEarnings & Financial Report
Commercial Bancgroup, Inc. operates as a U.S. regional bank holding company that provides a full suite of retail and commercial banking products and services to individual consumers, small and medium-sized businesses, and local institutional clients. Its core offerings include deposit accounts, lending solutions, wealth management, and tailored financial advisory services for regional markets.
CBK vs JFB — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.1M | $16.0M |
| Net Profit | $9.5M | $-1.9M |
| Gross Margin | — | 4.3% |
| Operating Margin | — | -12.7% |
| Net Margin | 41.3% | -11.7% |
| Revenue YoY | — | — |
| Net Profit YoY | 9.7% | — |
| EPS (diluted) | $0.69 | $0.06 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $23.1M | — | ||
| Q4 25 | $23.5M | $16.0M | ||
| Q3 25 | $22.8M | $5.0M | ||
| Q2 25 | — | $3.7M | ||
| Q1 25 | — | $5.9M |
| Q1 26 | $9.5M | — | ||
| Q4 25 | $9.9M | $-1.9M | ||
| Q3 25 | $9.5M | $-1.1M | ||
| Q2 25 | — | $-2.4M | ||
| Q1 25 | — | $30.3K |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 14.9% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 24.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | -12.7% | ||
| Q3 25 | 53.8% | -22.6% | ||
| Q2 25 | — | -67.2% | ||
| Q1 25 | — | -0.5% |
| Q1 26 | 41.3% | — | ||
| Q4 25 | 42.2% | -11.7% | ||
| Q3 25 | 41.4% | -21.3% | ||
| Q2 25 | — | -64.3% | ||
| Q1 25 | — | 0.5% |
| Q1 26 | $0.69 | — | ||
| Q4 25 | $0.72 | $0.06 | ||
| Q3 25 | $0.77 | $-0.11 | ||
| Q2 25 | — | $-0.26 | ||
| Q1 25 | — | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $118.2M | — |
| Stockholders' EquityBook value | — | $37.8M |
| Total Assets | $2.3B | $40.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $154.8M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — |
| Q1 26 | $118.2M | — | ||
| Q4 25 | $166.8M | — | ||
| Q3 25 | $100.1M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $37.8M | ||
| Q3 25 | $245.2M | $11.6M | ||
| Q2 25 | — | $10.1M | ||
| Q1 25 | — | $11.0M |
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $40.0M | ||
| Q3 25 | $2.2B | $14.0M | ||
| Q2 25 | — | $12.0M | ||
| Q1 25 | — | $13.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.41× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-9.0M |
| Free Cash FlowOCF − Capex | — | $-9.1M |
| FCF MarginFCF / Revenue | — | -57.2% |
| Capex IntensityCapex / Revenue | — | 1.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-12.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $-9.0M | ||
| Q3 25 | $28.0M | $-719.0K | ||
| Q2 25 | — | $-2.5M | ||
| Q1 25 | — | $392.8K |
| Q1 26 | — | — | ||
| Q4 25 | — | $-9.1M | ||
| Q3 25 | $26.5M | $-730.9K | ||
| Q2 25 | — | $-2.5M | ||
| Q1 25 | — | $347.0K |
| Q1 26 | — | — | ||
| Q4 25 | — | -57.2% | ||
| Q3 25 | 115.8% | -14.7% | ||
| Q2 25 | — | -68.0% | ||
| Q1 25 | — | 5.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.1% | ||
| Q3 25 | 6.7% | 0.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.96× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 12.96× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBK
| Net Interest Income | $20.5M | 89% |
| Noninterest Income | $2.6M | 11% |
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
