Commercial Bancgroup Q4 2025 net income $9.9M ($0.72 EPS), up 77% YoY; full year net income $36.9M

Commercial Bancgroup, Inc.

2025-FY EPS reported $2.95

Q4 net income $9.9M ($0.72 diluted EPS) vs $5.6M ($0.46) in Q4 2024, driven by loan growth and IPO.
FY 2025 net income $36.9M ($2.92 diluted EPS) vs $31.4M ($2.54) in FY 2024; total operating revenue $90.4M.
Gross loans increased $106.3M in Q4; net loans $1.9B, up 6.1% from Q3 2025.
Net interest margin 4.01%; efficiency ratio 45.24% for Q4, 47.0% for FY.
Tangible book value per share $19.96, up from $17.11 a year ago; redeemed $20.3M holding company debt.

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