Want to see CBC full AI Analyst Report?
Top Page
Central Bancompany
(NASDAQ:CBC)
Select Model
Select Model
Rating:74Outperform
Price Target:
$37.00
▲(44.53% Upside)
Action:Reiterated
Date:08/04/26
CBC earns a 74 primarily due to strong financial performance (high profitability, improving leverage, steady ~10% ROE) supported by a constructive earnings call (margin expansion, solid growth, and meaningful excess capital/buyback). The score is tempered by stretched technical momentum readings that raise near-term pullback risk and a mixed valuation profile with a low dividend yield.
Positive Factors
Capital strength & buyback capacity
CBC’s reported ~$1.9B of excess holding-company capital and a refreshed $100M repurchase authorization create durable financial flexibility. That buffer supports continued shareholder returns, cushions credit or rate shocks, and enables opportunistic reinvestment or M&A without immediate strain on operations.
Negative Factors
Step-down in operating and free cash flow
A notable decline in operating and free cash flow in 2025 versus 2024 weakens conversion of earnings into cash. Persistently lower cash generation would constrain internal capital for growth and buybacks, raising sensitivity to credit stress or adverse funding moves over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital strength & buyback capacity
CBC’s reported ~$1.9B of excess holding-company capital and a refreshed $100M repurchase authorization create durable financial flexibility. That buffer supports continued shareholder returns, cushions credit or rate shocks, and enables opportunistic reinvestment or M&A without immediate strain on operations.
Read all positive factors
Central Bancompany (CBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$7.86B
Dividend Yield0.91%
Average Volume (3M)285.39K
Price to Earnings (P/E)18.6
Beta (1Y)0.04
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees2,918
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.76
Shares Outstanding239,768,160
10 Day Avg. Volume847,427
30 Day Avg. Volume285,390
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)70.87
Price to Sales (P/S)219.50
P/FCF Ratio1.16K
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$32.00Price Target Upside25.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.92
Revenue Forecast (FY)$1.14B
Central Bancompany Business Overview & Revenue Model
Company Description
Central Bancompany, Inc. operates as the bank holding company for The Central Trust Bank that provides consumer, commercial, and wealth management products and services. It operates through three segments: Consumer Banking, Commercial Banking, and...
How the Company Makes Money
CBC primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets and the interest paid on deposits and other f...
Central Bancompany Earnings Call Summary
Earnings Call Date:Aug 04, 2026
(Q2-2026)
| Next Earnings Date:Feb 02, 2027
Earnings Call Sentiment Positive
The call presented a majority of positive items: double-digit adjusted net income growth (+16% YoY), NII and NIM expansion, solid loan growth (6.5% annualized), deposit franchise strength (deposits +3% YoY; noninterest-bearing +5% YoY), healthy capital (≈$1.9B excess) and an opportunistic $100M buyback. Challenges were present but relatively contained: mix-driven pressure on loan yields, a $7.8M securities loss tied to a duration trade (offset by higher reinvestment yield), a modest uptick in NPAs from a single small commercial downgrade, and seasonal/competitive deposit dynamics. Overall, highlights materially outweigh the lowlights and management characterized the results as a solid quarter with disciplined capital deployment and continued organic growth opportunities.Positive Updates
Strong Earnings and Profitability
Net income of $113.8 million for the quarter ($0.47 per share) produced a return on average assets of 2.24%. Adjusted net income increased $15.4 million, or 16% year-over-year.
Negative Updates
Loan Yield Compression Drivers
Loan yields were relatively stable (no material increase) as back-book repricing tailwinds were offset by mix shift into lower-yielding, lower-risk mortgage loans and pricing competition for top-quality loans. Management noted ~$1.3 billion of repricing remaining in H2 with a referenced rolling yield of 5.8%.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Earnings and Profitability
Net income of $113.8 million for the quarter ($0.47 per share) produced a return on average assets of 2.24%. Adjusted net income increased $15.4 million, or 16% year-over-year.
Read all positive updates
Company Guidance
Management's guidance emphasized seasonal and tactical balance-sheet moves: they expect public‑fund deposits to decline in Q3 then increase in Q4, deposit costs to be relatively stable on a seasonally adjusted basis, and loan yields to have upward pressure as $1.3 billion of back‑book repricing rolls into H2 at an indicated ~5.8%; loan pipelines remain robust with 6.5% annualized loan growth this quarter. They also highlighted capital and capital‑return posture — approximately $1.9 billion of excess capital (~$7.98/share) and a refreshed $100 million buyback authorization (having spent $39M of a prior $50M program) — and noted tactical moves taken this quarter, including sale of $210M of shorter‑duration securities (loss $7.8M) to reinvest at a ~250‑bp yield pickup and participation in Visa’s exchange recognizing an $8.4M gain; supporting metrics cited on the call included NIM (FTE) 4.43% (+13 bps YoY), net income $113.8M ($0.47/sh), net interest income +$17.7M, average earning assets +$1.1B, core fee income ratio 24.5%, FTE efficiency ratio 46.1%, cost of deposits -3 bps, net charge‑offs 10 bps, and delinquencies 22 bps.Central Bancompany Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.26B | 1.22B | 897.71M | 823.81M | 823.13M | 797.77M |
| Gross Profit | 1.05B | 1.01B | 897.71M | 1.01B | 750.24M | 732.39M |
| EBITDA | 537.66M | 526.57M | 0.00 | 374.30M | 361.55M | 353.65M |
| Net Income | 407.14M | 390.85M | 305.81M | 273.69M | 258.22M | 246.83M |
Balance Sheet | ||||||
| Total Assets | 20.46B | 20.75B | 19.24B | 19.02B | 19.54B | 20.36B |
| Cash, Cash Equivalents and Short-Term Investments | 8.12B | 8.44B | 1.24B | 1.68B | 889.76M | 3.42B |
| Total Debt | 1.07B | 1.01B | 1.04B | 1.26B | 1.35B | 1.46B |
| Total Liabilities | 16.66B | 16.97B | 16.13B | 16.28B | 17.15B | 17.85B |
| Stockholders Equity | 3.80B | 3.78B | 3.11B | 2.74B | 2.39B | 2.51B |
Cash Flow | ||||||
| Free Cash Flow | 318.42M | 231.39M | 338.14M | 319.20M | 284.33M | 184.15M |
| Operating Cash Flow | 342.27M | 248.16M | 363.30M | 345.09M | 302.39M | 201.45M |
| Investing Cash Flow | -985.12M | -463.74M | -633.91M | 1.28B | -2.09B | -466.82M |
| Financing Cash Flow | 470.60M | 1.04B | -172.21M | -835.29M | -728.29M | 1.79B |
Central Bancompany Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $6.26B | 12.73 | 11.01% | 2.68% | 1.86% | 10.69% | |
75 Outperform | $6.73B | 11.18 | 8.94% | 2.57% | 2.69% | 30.63% | |
74 Outperform | $7.86B | 18.64 | 11.60% | 3.66% | ― | ― | |
74 Outperform | $8.64B | 14.42 | 14.39% | 1.84% | 6.89% | 3.32% | |
72 Outperform | $6.41B | 19.96 | 7.61% | 2.63% | 20.01% | 26.97% | |
69 Neutral | $6.68B | 13.20 | 9.39% | 3.15% | 7.90% | 29.58% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
CBC
Central Bancompany
33.15
15.25
85.17%
CBSH
Commerce Bancshares
59.67
2.92
5.15%
FNB
F.N.B.
19.19
4.53
30.92%
GBCI
Glacier Bancorp
50.49
7.39
17.16%
HOMB
Home Bancshares
31.28
4.10
15.08%
UBSI
United Bankshares
48.91
14.45
41.94%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.