Central Bancompany, Inc. (CBC) AI Stock Analysis
CBC AI stock analysis summary
AI ResearchCentral Bancompany, Inc. (CBC) operates as the bank holding company for The Central Trust Bank, offering consumer, commercial, and wealth management services. The company delivered a 4-year revenue CAGR of 13.6% through FY2025 and generated $1.07B in trailing twelve month revenue. With a net margin of 40.1% over the trailing twelve months, CBC trades at an 18.1x trailing P/E ratio.
- Market cap
- $8.00B
- Revenue (TTM)
- $1.07B
- P/E
- 18.1x
- 1Y return
- 71.0% S&P 500 16.8%
- Avg. target
- $34.60 3.5% vs last close
Bull case
- Central Bancompany generated a 13.6% 4-year revenue CAGR through FY2025, with FY2025 top-line growth reaching 36.1%.
- TTM profitability remains solid with a 52.9% operating margin and a 40.1% profit margin as of June 30, 2026.
- The stock has outperformed the broader market, returning 71.0% over the past year compared to 16.8% for the S&P 500.
Bear case
- Valuation multiples sit above peers, with an 18.1x trailing P/E and 7.5x price-to-sales versus US-listed Financial Services medians of 12.1x and 3.2x.
- Free cash flow declined from $338.1M in FY2024 to $231.4M in FY2025, falling below the $246.5M paid in FY2025 dividends.
- Short interest represents 12.3% of the float, indicating notable negative sentiment among market participants.
What Central Bancompany does
Central Bancompany, Inc. operates as the bank holding company for The Central Trust Bank, providing consumer, commercial, and wealth management products and services. Its Consumer Banking segment offers consumer loans, deposit products, residential mortgages, installment lending, and card loan solutions. The Commercial Banking segment provides payment solutions, treasury management, merchant services, and commercial card products to businesses and government agencies. Its Wealth Management segment provides investment management, fiduciary services, and financial, estate, and tax planning. The company operates across Missouri, Kansas, Oklahoma, and Colorado, delivering real estate, agricultural, commercial, and residential loans alongside digital banking services.
Growth and profitability
Between FY2021 and FY2025, CBC increased annual revenue from $732.4M to $1.22B, reflecting a 4-year compound annual growth rate of 13.6%. In FY2025, revenue grew 36.1% year-over-year, while net income climbed to $390.9M with a 32.0% net margin. Trailing twelve month revenue reached $1.07B, supported by an operating margin of 52.9% and a profit margin of 40.1%. For the latest quarter ended June 30, 2026, quarterly revenue grew 13.7% year-over-year, and quarterly earnings expanded by 14.6%.
Balance sheet and cash flow
As of June 30, 2026, Central Bancompany held $769.3M in cash and short-term investments against total debt of $913.1M, yielding net debt of $143.8M. Total assets stood at $20.29B, backed by shareholders' equity of $3.87B and a debt-to-equity ratio of 0.24. In FY2025, the company generated $248.2M in operating cash flow and $231.4M in free cash flow, while spending $16.8M on capital expenditures and distributing $246.5M in dividends.
Valuation and performance
Central Bancompany trades at a trailing P/E of 18.1x and a price-to-sales ratio of 7.5x, both above the median of its US-listed Financial Services peers, which stand at 12.1x and 3.2x, respectively. The company's price-to-book ratio is 1.9x. Over the past year, CBC shares gained 71.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year span, CBC returned 223.2% compared to 83.0% for the S&P 500.
CBC dividend
Central Bancompany pays an annual forward dividend of $0.48 per share, yielding 1.44% with a payout ratio of 19.5%. Distributions are paid quarterly, and the company has paid dividends for 19 consecutive years. The annualized 5-year dividend growth rate is 36.8%, and the last ex-dividend date occurred on August 21, 2026.
What analysts expect
Wall Street coverage includes 1 Strong Buy, 1 Buy, and 3 Hold ratings. The mean price target is $34.60, representing a 3.5% upside from the last close of $33.42. For the fiscal year ending December 31, 2026, analysts estimate EPS of $1.91 on revenue of $1.14B. For the next fiscal year, 5 analysts project EPS of $2.04 on revenue of $1.20B. The next earnings date is October 27, 2026.
Key risks and what to watch
- Consensus estimates project FY2026 revenue of $1.14B, which represents a decline from the $1.22B recorded in FY2025.
- Operating cash flow dropped to $248.2M in FY2025 from $363.3M in FY2024, tightening cash coverage for ongoing capital returns.
- The stock closed at $33.42 on October 16, 2026, leaving only a 3.5% margin below the mean price target of $34.60.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this CBC AI stock analysis
This page is an AI-written research summary of Central Bancompany, Inc. (CBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: CBC income statement, CBC balance sheet, CBC key metrics, CBC analyst forecast, CBC chart. See the CBC stock overview for the latest quote and news.
CBC AI stock analysis FAQ
What is Central Bancompany's dividend yield and track record?
Central Bancompany offers a forward dividend yield of 1.44%, backed by an annual payout of $0.48 per share. The company has paid dividends for 19 consecutive years, maintains a 19.5% payout ratio, and achieved a 5-year annualized dividend growth rate of 36.8%.
How does CBC's valuation compare to industry peers?
CBC trades at an 18.1x trailing P/E and a 7.5x price-to-sales multiple. Both multiples trade at a premium to the median of its US-listed Financial Services peers, which are 12.1x trailing P/E and 3.2x price-to-sales.
What are analysts forecasting for Central Bancompany's future earnings?
Analysts forecast EPS of $1.91 on revenue of $1.14B for FY2026, representing 5.4% EPS growth. For the following fiscal year, 5 analysts expect EPS to reach $2.04 on revenue of $1.20B, reflecting 6.8% earnings growth.
When is Central Bancompany's next earnings report?
The company's next earnings report is scheduled for October 27, 2026.