Central Bancompany (CBC) AI Stock Analysis

• Market Cap: $5.78B
• Dividend Yield: 3.66%
• Average Volume (3M): 285.39K
• Price to Earnings (P/E): 13.7
• Beta (1Y): -0.04
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 2,800
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 241,109,600
• 10 Day Avg. Volume: 847,427
• 30 Day Avg. Volume: 285,390
• PEG Ratio: 0.82
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 3.29
• P/FCF Ratio: 8.73
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $29.50
• Price Target Upside: 23.12% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $28.00 ▲(16.86% Upside)
• Action: N/A Date: 01/27/26
• Date: Action: N/A 01/27/26

The score is driven primarily by solid financial performance (strong net margins, improved leverage, and dependable free cash flow). Technicals add support with an uptrend above key moving averages and positive MACD. Valuation is reasonable with a solid dividend yield, but not clearly cheap; a noted inconsistency in operating margin reporting tempers confidence slightly.

Central Bancompany Business Overview & Revenue Model

Company Description

Central Bancompany, Inc., a multi-bank holding company, provides community banking products and services for individuals, businesses, corporates, and governments in Missouri, Kansas, Illinois, Iowa, Oklahoma, Colorado, North Carolina, Tennessee, and Florida. The company offers checking, savings, and health savings accounts; home, student, powersport, auto, personal, equipment, real estate, line of credit, and small business association loans; and mortgage, as well as home equity, credit cards, and commercial lending. It also provides brokerage, investor, retirement, and trust and wealth management services; insurance products; annuities; and cash management and investment advisory services. In addition, the company offers payment, merchant, and investment services; equipment lease and municipal financing, and business expansion financing; and custody and trust services, as well as relationship, online, and mobile banking services. The company was founded in 1902 and is headquartered in Jefferson City, Missouri.

Central Bancompany Financial Statement Overview

Summary

Strong and stable net profitability (~33–34% net margin) with re-accelerating revenue growth (~9% in 2024) and improving leverage (debt-to-equity down to ~0.34). Cash generation is consistently high versus net income (~0.93x FCF/NI). Main risk is a data-consistency flag: operating margin is reported negative despite positive operating profit dollars, reducing confidence in some operating profitability metrics.

Income Statement

Revenue has re-accelerated, rising ~9.0% in 2024 after being essentially flat in 2023, while net profit margin stayed strong and stable around ~33–34% (2024: ~34.1%). Net income has grown steadily over the past five years. A key weakness is that the reported operating profit margin is shown as negative across periods despite positive operating profit dollars, which creates a reliability/consistency flag in the margin data and tempers confidence in profitability signals beyond net income.

Balance Sheet

Leverage improved meaningfully: debt-to-equity declined from ~0.57–0.58 (2020–2022) to ~0.34 in 2024, alongside rising equity. Returns on equity are solid and consistent around ~9.8–10.8% (2024: ~9.8%). The main watch item is balance-sheet size stability—total assets have been roughly flat to slightly lower versus 2021–2022 levels—suggesting growth has come more from earnings and mix than asset expansion.

Cash Flow

Cash generation is a clear strength: operating cash flow and free cash flow increased in 2024 (operating cash flow: $363M; free cash flow: $338M), and free cash flow has been consistently high relative to net income (roughly ~0.91–0.94x across periods; 2024: ~0.93x). Free cash flow growth is positive in most years, though the pace can be lumpy (notably a decline in 2020 and slower growth in 2024 vs. 2022).

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Central Bancompany Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBC	75 Outperform	$5.78B	13.74	―	3.66%	―	―
STBA	75 Outperform	$1.46B	11.18	9.25%	3.38%	-1.48%	-1.58%
SRCE	72 Outperform	$1.63B	9.26	13.25%	2.37%	5.09%	15.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GABC	66 Neutral	$1.49B	12.80	10.75%	2.89%	30.45%	3.13%
MBIN	58 Neutral	$1.93B	5.76	9.89%	1.19%	-2.45%	-28.20%
CLBK	55 Neutral	$1.82B	25.11	1.34%	―	-3.60%	-8.63%