What is Commercial Bancgroup, Inc. Common Stock's Shariah compliance score?

Commercial Bancgroup, Inc. Common Stock (CBK) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Commercial Bancgroup, Inc. Common Stock pass AAOIFI screening?

Commercial Bancgroup, Inc. Common Stock (CBK) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. CBK's debt-to-market-cap is 40.6%.

How much purification is needed for Commercial Bancgroup, Inc. Common Stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Commercial Bancgroup, Inc. Common Stock (CBK) using the latest financial data.

Where can I screen Commercial Bancgroup, Inc. Common Stock for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Commercial Bancgroup, Inc. Common Stock (CBK) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

CBKNot HalalF

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Compliance Status

Not Halal

Screened on Oct 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Commercial Bancgroup, Inc. Common Stock (CBK) halal? Not Halal. Based on AAOIFI screening, Commercial Bancgroup, Inc. Common Stock has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Commercial Bancgroup, Inc. Common Stock (CBK) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 18, 2026. Source: https://halalscreener.app/en/stock/CBK

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

40.6% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding CBK

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

CBK: Is Commercial Bancgroup, Inc. Common Stock Halal?

Commercial Bancgroup, Inc. Common Stock

NASDAQFinancial ServicesUS

$31.61

Market Cap: 433.1M

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About Commercial Bancgroup, Inc. Common Stock

Commercial Bancgroup, Inc. serves as the holding company for Commercial Bank, which offers a comprehensive range of banking and financial services. These services are provided to both individual clients and corporate entities across Kentucky, North Carolina, and Tennessee. The bank's offerings include a variety of deposit accounts, such as demand deposits (checking), interest-bearing savings options, and certificates of deposit. Furthermore, the company provides diverse lending solutions, including real estate, business, and personal loans. Tracing its origins back to an incorporation in 1975, the entity was initially known as Harrogate Corporation before rebranding to Commercial Bancgroup, Inc. in April 1989. Its principal operations are based in Harrogate, Tennessee.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.
Interest-bearing debt is 40.6% of market cap, over the 30% AAOIFI limit.
Interest-bearing deposits are over the 30% limit.
Income from prohibited sources is over the 5% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 18, 2026

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Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$382.01

SLVA+

iShares Silver Trust

$51.51

PSLVA+

Sprott Physical Silver Trust

$18.48

PHYSA+

Sprott Physical Gold Trust

$31.50

CEFA+

Sprott Physical Gold and Silver Trust

$40.45

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Frequently Asked Questions

Is Commercial Bancgroup, Inc. Common Stock (CBK) halal to invest in?

Commercial Bancgroup, Inc. Common Stock (CBK) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Commercial Bancgroup, Inc. Common Stock get a F compliance rating?

Commercial Bancgroup, Inc. Common Stock (CBK) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 40.6% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Commercial Bancgroup, Inc. Common Stock's Shariah verdict?

Commercial Bancgroup, Inc. Common Stock's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Commercial Bancgroup, Inc. Common Stock re-screened for Shariah compliance?

Commercial Bancgroup, Inc. Common Stock (CBK) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.