CBK 8-K SEC Filing Analysis

Latest settled — T+20d

CBK ▼ -0.86% at T+20d

NEUTRAL call ✗ call lost -0.86% · α vs SPY -5.82% · entry $29.10 → $28.85

Next anchor: T+60d in 6w

Currently $30.88 · +6.12% from $29.10 entry

Entry anchored
Apr 27, 03:01 PM ET
via Databento tick

T+1d

+0.24%

call +0.24% · α +0.73%

$29.17

settled 6w ago

T+5d

-0.65%

call -0.65% · α -1.05%

$28.91

settled 5w ago

T+20d

-0.86%

call -0.86% · α -5.82%

$28.85

settled 15d ago

T+60d

—

call — · α —

—

in 6w

Price Chart

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Executive Summary

CBK reported Q1 2026 diluted EPS of $0.69, a small beat vs $0.68 consensus, on revenue of $23.1M (vs $22.7M). Net income grew 9.7% YoY, but EPS fell from $0.72 due to IPO-related dilution. The board declared a $0.10 quarterly dividend and authorized a $10M buyback (2.5% of market cap), signaling confidence.

Actionable Insight

The modest beat and capital return program support a mildly positive reaction, but EPS decline from dilution caps upside. Watch for buyback execution and margin stabilization in coming quarters.

Key Facts

Q1 2026 diluted EPS $0.69 vs $0.68 consensus (beat 1.5%)
Revenue $23.1M vs $22.7M consensus (beat 1.6%)
Net income $9.5M, up 9.7% YoY from $8.7M
GAAP EPS declined to $0.69 from $0.72 YoY due to share count increase (IPO)
Board declared quarterly dividend of $0.10/share
Authorized up to $10M stock buyback through April 2027
Net interest margin fell 13 bps QoQ to 3.88%
Loans grew $18.1M QoQ (1.0%)

Financial Impact

Small EPS beat with net income growth; $10M buyback adds ~2.5% demand for shares; $0.10 quarterly dividend ~1.4% yield

epsrevenueshare buybackdividend yield

Risk Factors

Dilution from IPO continues to weigh on EPS growth
Net interest margin declining; funding costs may compress further
Loan growth sustainability in competitive markets

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

80% bullish (5 analysts)

Documents Analyzed

This report is based on 8 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001213900-26-047976
Document: ea028776001ex99-2.htm	0001213900-26-047976
Document: ea0287760-8k_commercial.htm	0001213900-26-047976
Document: ea028776001ex99-3.htm	0001213900-26-047976
Document: 0001213900-26-047976-index-headers.html	0001213900-26-047976
Document: 0001213900-26-047976-index.html	0001213900-26-047976
Document: 0001213900-26-047976.txt	0001213900-26-047976
8-K Data (Synthetic)	0001213900-26-047976

US Market Status

Market Closed — Opens Thu (10h 54m)

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