CBC Stock Analysis: Central Bancompany, Common | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 7.622m USD | 12M Return: 71.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 26.4M
Rev. Trend: 93.7%
Warnings
No concerns identified
Tailwinds
Seasonality 10.3 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: 407.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -669.0% < 20% (prev -5.45%; Δ -663.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 342.3m > Net Income 407.1m |
| Net Debt (-7.05b) to EBITDA (547.6m): -12.88 < 3 |
| Current Ratio: 0.49 > 1.5 & < 3 |
| Outstanding Shares: last quarter (240.6m) vs 12m ago 5.36k% < -2% |
| Gross Margin: 83.44% > 18% (prev 100.0%; Δ -16.56% > 0.5%) |
| Asset Turnover: 6.34% > 50% (prev 4.67%; Δ 1.67% > 0%) |
| Interest Coverage Ratio: 2.65 > 6 (EBIT TTM 527.6m / Interest Expense TTM 198.8m) |
| A: -0.41 (Total Current Assets 8.12b - Total Current Liabilities 16.5b) / Total Assets 20.5b |
| B: 0.17 (Retained Earnings 3.56b / Total Assets 20.5b) |
| C: 0.03 (EBIT TTM 527.6m / Avg Total Assets 19.8b) |
| D: 0.23 (Book Value of Equity 3.80b / Total Liabilities 16.7b) |
| Altman-Z'' = -1.71 = D |
As of July 08, 2026, the stock is trading at USD 31.17 with a total of 726,457 shares traded. Over the past week, the price has changed by +2.40%, over one month by +10.45%, over three months by +29.29% and over the past year by +71.46%.
Current recommended Stop Loss: 30.20 (which is 3.1% or 1.2 ATR below the current price).
Central Bancompany, Common has no consensus analysts rating.
P/E Trailing = 17.8596
P/S = 7.347
P/B = 1.9875
Revenue TTM = 1.26b USD
EBIT TTM = 527.6m USD
EBITDA TTM = 547.6m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 1.07b USD (from shortTermDebt, last quarter)
Debt = 1.07b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.05b USD (calculated: Debt 1.07b - CCE 8.12b)
Enterprise Value = 570.8m USD (7.62b + Debt 1.07b - CCE 8.12b)
Interest Coverage Ratio = 2.65 (Ebit TTM 527.6m / Interest Expense TTM 198.8m)
EV/FCF = 1.79x (Enterprise Value 570.8m / FCF TTM 318.4m)
FCF Yield = 55.79% (FCF TTM 318.4m / Enterprise Value 570.8m)
FCF Margin = 25.32% (FCF TTM 318.4m / Revenue TTM 1.26b)
Net Margin = 32.37% (Net Income TTM 407.1m / Revenue TTM 1.26b)
Gross Margin = 83.44% ((Revenue TTM 1.26b - Cost of Revenue TTM 208.3m) / Revenue TTM)
Gross Margin QoQ = 83.73% (prev 83.85%)
Tobins Q-Ratio = 0.03 (Enterprise Value 570.8m / Total Assets 20.5b)
Interest Expense / Debt = 18.63% (Interest Expense 198.8m / Debt 1.07b)
Taxrate = 22.83% (120.5m / 527.6m)
NOPAT = 407.1m (EBIT 527.6m * (1 - 22.83%))
Current Ratio = 0.49 (Total Current Assets 8.12b / Total Current Liabilities 16.5b)
Debt / Equity = 0.28 (Debt 1.07b / totalStockholderEquity, last quarter 3.80b)
Debt / EBITDA = -12.88 (Net Debt -7.05b / EBITDA 547.6m)
Debt / FCF = -22.14 (Net Debt -7.05b / FCF TTM 318.4m)
Total Stockholder Equity = 3.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.05% (Net Income 407.1m / Total Assets 20.5b)
RoE = 11.60% (Net Income TTM 407.1m / Total Stockholder Equity 3.51b)
RoCE = 15.03% (EBIT 527.6m / Capital Employed (Equity 3.51b + L.T.Debt 0.0))
RoIC = 8.26% (NOPAT 407.1m / Invested Capital 4.93b)
WACC = 7.12% (E(7.62b)/V(8.69b) * Re(6.10%) + D(1.07b)/V(8.69b) * Rd(18.63%) * (1-Tc(0.23)))
Discount Rate = 6.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 82.81 | Cagr: 2.35k%
[DCF] Terminal Value 74.61% ; FCFF base≈326.3m ; Y1≈311.7m ; Y5≈298.7m
[DCF] Fair Price = 49.00 (EV 4.70b - Net Debt -7.05b = Equity 11.7b / Shares 239.8m; r=8.35% [WACC [floored]]; 5y FCF grow -5.83% → 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 (2026-06-30): EPS=0.47 | Chg30d=+0.42% | Revisions=+38% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.49 | Chg30d=+0.41% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=1.92 | Chg30d=+0.31% | Revisions=+38% | GrowthEPS=+6.0% | GrowthRev=+8.9%
EPS next Year (2027-12-31): EPS=2.05 | Chg30d=+0.59% | Revisions=+57% | GrowthEPS=+6.9% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: +59% (up=16, down=3)