CBC Stock Analysis: Central Bancompany, Common | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 7.619m USD | 12M Return: 70.9% | US1524131000 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 40.2M
Rev. Trend: 93.7%
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Central Bancompany, Inc. (NASDAQ: CBC) is a U.S. bank holding company that operates through its subsidiary, The Central Trust Bank, with a traditional community banking model centered on deposit gathering and local lending. Founded in 1902 and headquartered in Jefferson City, Missouri, the company conducts business through three segments: Consumer Banking, Commercial Banking, and Wealth Management, offering products ranging from mortgages, consumer loans, and credit cards to treasury management, commercial real estate financing, and investment and fiduciary services.
The company serves retail, business, government, and institutional clients through a network of banking offices across Missouri, Kansas, Oklahoma, and Colorado, and supports its customers with mobile and online banking channels. As a mid-cap diversified bank holding company in the Financials sector, CBC follows the standard structure in which the parent company oversees the banking subsidiary, with Wealth Management providing fee-based income diversification alongside net interest income from lending and deposit activities.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio credit risk rises
- Wealth management fees grow with client asset expansion
| Net Income: 429.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.62 > 1.0 |
| NWC/Revenue: -1.21k% < 20% (prev -5.45%; Δ -1.21k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 495.0m > Net Income 429.6m |
| Net Debt (143.8m) to EBITDA (576.7m): 0.25 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (239.7m) vs 12m ago 8.62% < -2% |
| Gross Margin: 83.68% > 18% (prev 100.0%; Δ -16.32% > 0.5%) |
| Asset Turnover: 6.50% > 50% (prev 4.70%; Δ 1.80% > 0%) |
| Interest Coverage Ratio: 2.84 > 6 (EBIT TTM 556.7m / Interest Expense TTM 195.8m) |
| A: -0.76 (Total Current Assets 769.3m - Total Current Liabilities 16.3b) / Total Assets 20.3b |
| B: 0.18 (Retained Earnings 3.64b / Total Assets 20.3b) |
| C: 0.03 (EBIT TTM 556.7m / Avg Total Assets 19.7b) |
| D: 0.24 (Book Value of Equity 3.87b / Total Liabilities 16.4b) |
| Altman-Z'' = -3.99 = D |
As of September 27, 2026, the stock is trading at USD 32.06 with a total of 1,142,257 shares traded. Over the past week, the price has changed by +0.66%, over one month by -1.84%, over three months by +9.83% and over the past year by +70.93%.
Current recommended Stop Loss: 30.00 (which is 6.4% or 2.6 ATR below the current price).
Central Bancompany, Common has no consensus analysts rating.
P/E Trailing = 17.1946
P/S = 7.1127
P/B = 1.9733
Revenue TTM = 1.28b USD
EBIT TTM = 556.7m USD
EBITDA TTM = 576.7m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 913.1m USD (from shortTermDebt, last quarter)
Debt = 913.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 143.8m USD (calculated: Debt 913.1m - CCE 769.3m)
Enterprise Value = 7.76b USD (7.62b + Debt 913.1m - CCE 769.3m)
Interest Coverage Ratio = 2.84 (Ebit TTM 556.7m / Interest Expense TTM 195.8m)
EV/FCF = 15.98x (Enterprise Value 7.76b / FCF TTM 485.7m)
FCF Yield = 6.26% (FCF TTM 485.7m / Enterprise Value 7.76b)
FCF Margin = 37.94% (FCF TTM 485.7m / Revenue TTM 1.28b)
Net Margin = 33.56% (Net Income TTM 429.6m / Revenue TTM 1.28b)
Gross Margin = 83.68% ((Revenue TTM 1.28b - Cost of Revenue TTM 208.9m) / Revenue TTM)
Gross Margin QoQ = 84.49% (prev 83.73%)
Tobins Q-Ratio = 0.38 (Enterprise Value 7.76b / Total Assets 20.3b)
Interest Expense / Debt = 21.44% (Interest Expense 195.8m / Debt 913.1m)
Taxrate = 22.84% (127.2m / 556.7m)
NOPAT = 429.6m (EBIT 556.7m * (1 - 22.84%))
Current Ratio = 0.05 (Total Current Assets 769.3m / Total Current Liabilities 16.3b)
Debt / Equity = 0.24 (Debt 913.1m / totalStockholderEquity, last quarter 3.87b)
Debt / EBITDA = 0.25 (Net Debt 143.8m / EBITDA 576.7m)
Debt / FCF = 0.30 (Net Debt 143.8m / FCF TTM 485.7m)
Total Stockholder Equity = 3.68b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.18% (Net Income 429.6m / Total Assets 20.3b)
RoE = 11.66% (Net Income TTM 429.6m / Total Stockholder Equity 3.68b)
RoCE = 15.12% (EBIT 556.7m / Capital Employed (Equity 3.68b + L.T.Debt 0.0))
RoIC = 8.85% (NOPAT 429.6m / Invested Capital 4.85b)
WACC = 7.08% (E(7.62b)/V(8.53b) * Re(5.94%) + D(913.1m)/V(8.53b) * Rd(21.44%) * (1-Tc(0.23)))
Discount Rate = 5.94% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.84 | Cagr: 1.34k%
[DCF] Terminal Value 77.97% ; FCFF base≈426.7m ; Y1≈489.1m ; Y5≈719.8m
[DCF] Fair Price = 44.63 (EV 10.8b - Net Debt 143.8m = Equity 10.7b / Shares 239.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 93.70 | Revenue CAGR: 20.59% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.49 | Chg30d=-0.41% | Revisions=-17% | Analysts=5
EPS current Year (2026-12-31): EPS=1.91 | Chg30d=-0.21% | Revisions=+0% | GrowthEPS=+5.3% | GrowthRev=+8.5%
EPS next Year (2027-12-31): EPS=2.03 | Chg30d=-0.98% | Revisions=-17% | GrowthEPS=+6.3% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: -15% (up=4, down=6)