CBTX, Inc. (CBTX) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CBTX, Inc. (CBTX) trades at $29.25 with AI Score 39/100 (Grade D). CBTX, Inc. is a bank holding company operating as CommunityBank of Texas, providing commercial banking services to small and mid-sized businesses. Market cap: $1.55B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026Analyst Coverage for CBTX: CBTX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBTX against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CBTX: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
CBTX, Inc. (CBTX) Financial Services Profile
CBTX, Inc., operating as CommunityBank of Texas, delivers commercial banking solutions to small and mid-sized businesses across Texas. With a $1.55B market cap and a P/E ratio of 6.8, the company focuses on relationship-based banking through its 34 branch locations, primarily in Houston and Beaumont.
What Is the Investment Thesis for CBTX?
CBTX, Inc. presents a compelling investment case centered on its strong regional presence in the Texas banking market and its focus on serving small to mid-sized businesses. With a market capitalization of $1.55B and a P/E ratio of 6.8, CBTX demonstrates solid financial metrics. The company's profit margin of 17.9% indicates efficient operations. Growth catalysts include expansion within the Texas market and potential acquisitions of smaller regional banks. Potential risks include economic downturns affecting loan performance and increased competition from larger national banks. Investors should monitor CBTX's loan portfolio quality and its ability to maintain its net interest margin in a fluctuating interest rate environment.
Based on FMP financials and quantitative analysis
CBTX Key Highlights
Market Cap of $1.55B, reflecting substantial investor confidence in the company's value.
- P/E Ratio of 6.8, indicating that the company's stock may be undervalued compared to its earnings.
- Profit Margin of 17.9%, showcasing the company's ability to generate profit from its revenue.
- Gross Margin of 34.7%, demonstrating the company's efficiency in managing its cost of goods sold.
- Operates through 34 banking locations, including 18 branches in Houston, 15 branches in Beaumont, and one branch in Dallas, providing a strong regional presence.
Who Are CBTX's Competitors?
CBTX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WTFC Wintrust Financial Corporation | $152.61 | -0.52% | $10.3B | 86 |
| RBCAA Republic Bancorp, Inc. | $93.65 | +0.27% | $1.64B | 94 |
| AMAL Amalgamated Financial Corp. | $48.88 | -0.35% | $1.46B | 94 |
| QCRH QCR Holdings, Inc. | $101.09 | -0.05% | $1.67B | 97 |
| BHRB Burke & Herbert Financial Services Corp. | $71.00 | +0.14% | $1.43B | 93 |
| CTBI Community Trust Bancorp, Inc. | $76.31 | +0.27% | $1.39B | 94 |
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| DCOM Dime Community Bancshares, Inc. | $40.14 | +0.55% | $1.77B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBTX's Key Strengths?
Strong regional presence in Texas.
- Focus on small and mid-sized businesses.
- Experienced management team.
- Solid financial performance (17.9% profit margin).
What Are CBTX's Weaknesses?
Limited geographic diversification.
- Reliance on the Texas economy.
- Smaller size compared to national banks.
- No dividend yield.
What Could Drive CBTX Stock Higher?
Expansion of digital banking services to attract and retain customers.
- Potential acquisitions of smaller regional banks to expand market share.
- Continued economic growth in Texas driving loan demand.
- Implementation of new technologies to improve operational efficiency.
What Are the Key Risks for CBTX?
Financial-distress signal — its Altman Z-Score of 0.45 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Texas impacting loan portfolio quality.
- Increased competition from larger national banks.
- Rising interest rates affecting net interest margin.
- Regulatory changes increasing compliance costs.
What Are the Growth Opportunities for CBTX?
- Expansion within the Texas Market: CBTX can capitalize on the robust economic growth in Texas by expanding its branch network and increasing its market share in key metropolitan areas like Houston, Dallas, and Austin. The Texas economy, driven by energy, technology, and healthcare sectors, presents significant opportunities for loan growth and deposit mobilization. This expansion can be achieved through organic growth and strategic acquisitions of smaller community banks, targeting a 10% increase in branch locations over the next three years.
- Increased Focus on Digital Banking Services: CBTX can enhance its customer experience and attract a younger demographic by investing in digital banking platforms and mobile banking solutions. The increasing adoption of digital banking channels provides an opportunity to offer convenient and efficient services, such as online account opening, mobile check deposit, and digital loan applications. This initiative aims to increase digital banking adoption by 20% within the next two years, reducing operational costs and improving customer satisfaction.
- Strategic Acquisitions of Smaller Banks: CBTX can pursue strategic acquisitions of smaller community banks in adjacent markets to expand its geographic footprint and diversify its loan portfolio. The fragmented nature of the regional banking sector provides opportunities to acquire well-managed banks with strong customer relationships and complementary business lines. These acquisitions can generate synergies through cost savings and revenue enhancements, increasing CBTX's overall profitability and market share. The target is to complete one to two strategic acquisitions within the next five years.
- Enhancement of Commercial Lending Capabilities: CBTX can strengthen its commercial lending capabilities by expanding its team of experienced commercial lenders and developing specialized lending products for specific industries, such as energy, healthcare, and technology. The demand for commercial loans from small and mid-sized businesses is expected to grow as the Texas economy continues to expand. By offering tailored lending solutions and providing personalized service, CBTX can attract new commercial clients and increase its loan portfolio. The goal is to increase commercial loan volume by 15% over the next three years.
- Development of Wealth Management Services: CBTX can expand its service offerings by developing a wealth management division to cater to the financial needs of its high-net-worth clients. The growing affluent population in Texas presents a significant opportunity to provide wealth management services, such as investment management, financial planning, and trust services. By offering a comprehensive suite of financial solutions, CBTX can deepen its customer relationships and generate additional fee income. The target is to establish a wealth management division with $100 million in assets under management within the next five years.
What Are CBTX's Competitive Advantages?
- Strong regional presence in Texas.
- Focus on small and mid-sized businesses.
- Experienced management team.
- Established branch network.
What Does CBTX Do?
CBTX, Inc., headquartered in Beaumont, Texas, operates as the bank holding company for CommunityBank of Texas, National Association. Founded in 2007, the company provides a comprehensive suite of commercial banking products and services tailored to small and mid-sized businesses, as well as professionals. CBTX offers a range of deposit accounts, including demand, money market, savings, and time deposit accounts, alongside certificates of deposit. Its lending portfolio encompasses commercial and industrial loans, commercial real estate loans, construction and development loans, 1-4 family residential mortgages, multi-family residential loans, consumer loans, and agricultural loans. Additionally, CBTX provides treasury and online banking services to its clientele. The bank operates through 34 strategically located banking centers, including 18 branches in Houston, 15 in Beaumont, and one in Dallas, ensuring a strong regional presence. CBTX was formerly known as CBFH, Inc., rebranding to CBTX, Inc. in September 2017, marking a significant step in its corporate evolution and market identity.
What Products and Services Does CBTX Offer?
- Provides commercial banking products and services.
- Offers demand, money market, savings, and time deposit accounts.
- Provides certificates of deposit.
- Offers commercial and industrial loans.
- Provides commercial real estate loans.
- Offers construction and development loans.
- Provides 1-4 family residential mortgage loans.
- Offers treasury and online banking services.
How Does CBTX Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services, such as treasury management and online banking.
- Manages deposits and provides a range of deposit accounts.
- Operates a network of branches in Texas to serve its customers.
What Industry Does CBTX Operate In?
CBTX, Inc. operates within the competitive regional banking sector, characterized by institutions focusing on specific geographic areas and customer segments. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Competitors include both larger national banks and smaller community banks. CBTX differentiates itself through its focus on small to mid-sized businesses in Texas. The regional banking sector is experiencing consolidation, with larger banks acquiring smaller ones to expand their market share and service offerings.
Who Are CBTX's Key Customers?
- Small and mid-sized businesses.
- Professionals.
- Individuals seeking personal banking services.
- Commercial real estate developers.
Financial Health
CBTX, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.45 places it in the distress zone, a signal of elevated financial risk.
CBTX Valuation & Market Position
With a $1.55B market cap, CBTX, Inc. sits in the small-cap segment of the market. Relative to its peer group, CBTX's quantitative score of 39/100 is below the peer average of 93/100.
Key Financial Metrics
Return on equity for CBTX, Inc. stands at 6.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. CBTX trades at a trailing price-to-earnings ratio of 6.81, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 14.7%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
CBTX, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Houston, US. The company is led by CEO Robert Franklin. CBTX has traded publicly since 2017.
CBTX Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence in the company's future prospects, suggesting potential growth ahead.
- Community sentiment has shifted positively, with many traders expressing optimism about the company's strategic initiatives.
- The recent expansion of services has garnered attention, positioning CBTX as a competitive player in its industry.
- Market perception has improved as analysts highlight the company's resilience in a challenging economic environment.
Bear Case
- There are concerns about the company's ability to maintain profitability amidst rising operational costs, which may dampen investor enthusiasm.
- Social sentiment has shown some volatility, with mixed opinions on the sustainability of recent growth trends.
- Recent regulatory developments could pose challenges for the company, leading to increased scrutiny and potential operational hurdles.
- Some community members express skepticism about the long-term viability of CBTX's business model in a rapidly changing market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
CBTX Latest News
No recent news available for CBTX.
CBTX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBTX.
Price Targets
Wall Street price target analysis for CBTX.
CBTX MoonshotScore
What does this score mean?
The MoonshotScore rates CBTX 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Robert Franklin
CEO
Robert Franklin serves as the CEO of CBTX, Inc., leading the company's strategic direction and overseeing its day-to-day operations. His career spans several decades in the banking industry, with a focus on commercial lending and community banking. Before joining CBTX, Franklin held leadership positions at various regional banks, where he was responsible for driving growth and improving profitability. He holds a degree in Finance and is actively involved in community organizations.
Track Record: Under Robert Franklin's leadership, CBTX, Inc. has expanded its branch network and increased its loan portfolio. He has focused on enhancing customer relationships and improving operational efficiency. Key achievements include the successful integration of acquired banks and the implementation of new digital banking technologies. He has successfully navigated CBTX through fluctuating interest rate environments while maintaining healthy profit margins.
CBTX, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for CBTX?
CBTX holds an AI Score of 39/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. CBTX, Inc. is a bank holding company operating as CommunityBank of Texas, providing commercial banking services to small and mid-sized businesses. With a network of 34 branches, CBTX focuses …
What does CBTX, Inc. do?
CBTX, Inc., operating as CommunityBank of Texas, provides commercial banking products and services to small and mid-sized businesses and professionals in Texas. The company offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit.
What do analysts say about CBTX stock?
Analyst coverage of CBTX, Inc. is focused on its regional banking performance, loan growth, and asset quality. Key valuation metrics include the price-to-earnings ratio (P/E) of 6.81 and the company's market capitalization of $1.55B. Analysts monitor CBTX's ability to maintain its net interest margin in a competitive interest rate environment and its success in expanding its market share within Texas.
What are the main risks for CBTX?
The main risks for CBTX, Inc. include economic downturns in Texas, which could negatively impact loan performance and increase credit losses. Increased competition from larger national banks and other regional banks poses a threat to CBTX's market share and profitability. Fluctuations in interest rates can affect CBTX's net interest margin and overall financial performance.
What are the key factors to evaluate for CBTX?
CBTX, Inc. (CBTX) holds an AI score of 39/100 (low). P/E: 6.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBTX data refresh on this page?
CBTX's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CBTX's recent stock price performance?
CBTX, Inc. (CBTX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Texas. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBTX overvalued or undervalued right now?
CBTX, Inc. (CBTX) trades at 6.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CBTX before investing?
Before investing in CBTX, Inc. (CBTX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of 2026-05-10.