Central Bancompany (CBC)
NASDAQ:CBC
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Central Bancompany
(NASDAQ:CBC)
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Rating:75Outperform
Price Target:
$28.00
▲(9.37% Upside)
Action:N/A
Date: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 (CBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.77B
Dividend Yield3.66%
Average Volume (3M)285.39K
Price to Earnings (P/E)16.0
Beta (1Y)0.03
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees2,800
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.46
Shares Outstanding239,768,160
10 Day Avg. Volume847,427
30 Day Avg. Volume285,390
Financial Highlights & Ratios
PEG Ratio0.82
Price to Book (P/B)0.95
Price to Sales (P/S)3.29
P/FCF Ratio8.73
Enterprise Value/Market Cap0.41
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$29.50Price Target Upside15.23% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.91
Revenue Forecast (FY)$1.12B
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, a...
Central Bancompany Earnings Call Summary
Earnings Call Date:Apr 28, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 04, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive performance: strong year-over-year earnings growth, solid margins and efficiency, balanced loan and deposit growth, robust capital with active shareholder returns, and generally stable asset quality. Near-term headwinds include margin pressure from excess liquidity and seasonal public funds, a concentrated uptick in commercial delinquencies expected to be resolved, and modest incremental public company expenses. Management is actively deploying excess capital and reinvesting cash into higher-yielding securities; M&A remains a strategic focus but no deals are imminent.Positive Updates
Strong Quarterly Profitability
Net income of $111.1 million ($0.46 per diluted share); net income increased $16.3 million or 17% year-over-year; return on average assets of 2.2%.
Negative Updates
Margin Pressure from Excess Liquidity and Seasonality
Excess liquidity weighed on margin in 1Q; loan yields edged down 3 basis points (largely due to lower prepayment fees) and higher average public funds produced a seasonal increase in deposit mix that affected costs.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Quarterly Profitability
Net income of $111.1 million ($0.46 per diluted share); net income increased $16.3 million or 17% year-over-year; return on average assets of 2.2%.
Read all positive updates
Company Guidance
Management guided that margin and earnings should benefit as roughly $1.8 billion of loans remain to reprice this year (they repriced $400 million in 1Q) at roughly a 5.8% yield, loan opportunities are about 300 bps over like‑maturity Treasuries, and reinvestment of excess cash has been earning roughly 4.30% (team targeting ~4‑year duration); loan yields were down ~3 bps q/q while deposit costs fell ~5 bps excluding higher seasonal public funds (public funds should decline in Q2–Q3), and they expect a low‑20s beta on deposit repricing—supporting NIM (FTE NIM was 4.36% in 1Q) and NII growth; capital remains ample with ~ $1.9 billion excess (~$7.80/share) after a $32 million buyback and a meaningful dividend increase, asset quality stayed strong (net charge‑offs 10 bps, allowance covered ~130 bps of total loans), and they flagged ~$5 million of incremental annual public‑company expense while noting active M&A discussions but no deals imminent.Central Bancompany Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 897.71M | 823.81M | 823.13M | 797.77M | 798.84M |
| Gross Profit | 897.71M | 1.01B | 750.24M | 732.39M | 798.84M |
| EBITDA | 0.00 | 374.30M | 361.55M | 353.65M | 310.79M |
| Net Income | 305.81M | 273.69M | 258.22M | 246.83M | 240.78M |
Balance Sheet | |||||
| Total Assets | 19.24B | 19.02B | 19.54B | 20.36B | 18.39B |
| Cash, Cash Equivalents and Short-Term Investments | 1.24B | 1.68B | 889.76M | 3.42B | 1.82B |
| Total Debt | 1.04B | 1.26B | 1.35B | 1.46B | 1.36B |
| Total Liabilities | 16.13B | 16.28B | 17.15B | 17.85B | 16.06B |
| Stockholders Equity | 3.11B | 2.74B | 2.39B | 2.51B | 2.33B |
Cash Flow | |||||
| Free Cash Flow | 338.14M | 319.20M | 284.33M | 184.15M | 180.22M |
| Operating Cash Flow | 363.30M | 345.09M | 302.39M | 201.45M | 193.83M |
| Investing Cash Flow | -633.91M | 1.28B | -2.09B | -466.82M | -2.65B |
| Financing Cash Flow | -172.21M | -835.29M | -728.29M | 1.79B | 3.07B |
Central Bancompany Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $6.77B | 16.03 | 10.45% | 3.66% | ― | ― | |
75 Outperform | $6.24B | 11.00 | 8.77% | 2.73% | 3.99% | 27.92% | |
73 Outperform | $7.62B | 12.67 | 14.87% | 1.97% | 13.70% | 5.91% | |
72 Outperform | $5.35B | 11.22 | 11.29% | 2.85% | 0.57% | 15.88% | |
71 Outperform | $6.24B | 17.68 | 6.83% | 2.89% | 18.22% | 14.79% | |
69 Neutral | $5.94B | 11.64 | 9.26% | 3.77% | 10.93% | 32.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CBC
Central Bancompany
28.53
9.68
51.34%
CBSH
Commerce Bancshares
52.19
-6.44
-10.98%
FNB
F.N.B.
17.48
4.05
30.19%
GBCI
Glacier Bancorp
47.80
8.29
20.98%
HOMB
Home Bancshares
26.60
-0.66
-2.42%
UBSI
United Bankshares
43.09
8.47
24.47%
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.