CBKM delivered a modest top-line expansion in Q3 2025 with revenue of $14.186 million, up 4.12% year-over-year and 7.35% quarter-over-quarter, signaling ongoing demand for the bank’s deposit and lending capabilities within its regional footprint. The quarter produced an operating income of $2.125 million and net income of $1.851 million, corresponding to operating and net margins of approximately 15.0% and 13.0%, respectively. Financial metrics show a resilient profitability backdrop despite a lack of disclosed gross profit in the earnings data; the absence of gross margin detail suggests either gaps in the reported line-item disclosure or a business model where the reported cost of revenue closely matches revenues, requiring management commentary for clarity.
From a valuation perspective, CBKM trades at a trailing P/E of about 8.3 and a price-to-sales multiple around 4.3, with a dividend yield near 0.97%. The payout ratio stands at roughly 32% of earnings, implying moderate capital return with potential room for rebalancing as revenue and credit costs evolve. Management commentary (where available) and the earnings cadence should be watched for guidance on net interest income (NII) trajectory, loan growth, deposit stability, and credit quality indicators, given the sector’s ongoing sensitivity to interest-rate environment and competitive deposit pricing.
Overall, CBKM presents a defensible earnings profile in a small-bank niche with positive revenue momentum, but investors should monitor margin sustainability, regulatory/commercial credit risks, and liquidity dynamics as key sentiment drivers going into 2025 year-end and into 2026.