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Central Bancompany, Inc.
NASDAQ: CBC Financials Bank 🔎 Screen
🏹 Trader: ⭐ All Three 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High 📊 High Volume | BRS 76 Ready View all →
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$7.1B
Market Cap
13.8
P/E
1.60
PEG
13.9%
ROCE
11.3%
ROE
0.28
D/E
41.5%
OPM
-4.6%
% from 52W High
78
α RS
🔍 CBC is showing a high-conviction setup because it matches 6 of 39 tracked screener presets, RS Rating is 78, an ECS of 70.1 last quarter, and it has maintained a 5-day Near 52-Week High momentum persistence. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating ECS Momentum Streaks
Sources
Conviction 6/39 · RS Rating 78 · ECS 70.1 · Near 52-Week High streak: 5d
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🌏 Global Investor Returns
Currency-adjusted total returns for CBC including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
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By Category
📊 Sector Averages
About

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 Wealth Management. The Consumer Banking segment offers consumer loans and deposit products; residential mortgage, installment lending and other consumer loan financing options; and debit and credit card loan and fee businesses. Its Commercial Banking segment provides business payment solutions including treasury management services; merchant and commercial bank card products; and banking solutions to businesses, agencies and community organizations including commercial, small business, and government. The Wealth Management segment provides wealth management solutions, including investment management, fiduciary services, financial, estate, and tax planning services to individuals, businesses, and foundations. It provides savings and checking, certificate of deposit, money market, time deposit, health savings, and interest-bearing and noninterest-bearing accounts. The company also offers commercial real estate, construction and development, commercial, financial & agricultural, multi-family and one-to-four-family residential loans. In addition, it provides wealth and cash management services; merchant services; and debit and credit cards. Further, the company offers mobile and online banking services. It operates through a network of banking offices in Missouri, Kansas, Oklahoma, and Colorado. Central Bancompany, Inc. was founded in 1902 and is headquartered in Jefferson City, Missouri.

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📈 Growth Pattern
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3-Statement Financial Model
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🎙 Management Tone Confident Specific ↑ Improving 2 quarters Full tone analysis in Intelligence →
📊 MIXED Central Bancompany Q1 2026 net income $111.1M, ROA 2.2%, NIM 4.36%, excess capital $1.9B
Revenue & Profitability
Q1 2026 net income was $111.1 million, or $0.46 per fully diluted share, up $16.3 million (17%) year-over-year. Return on average assets was 2.2%, net interest margin (FTE) was 4.36%, and efficiency ratio (FTE) was 45.7%. Ending loans excluding other consumer grew at an annualized rate of nearly 6% quarter-over-quarter, and average deposits grew 5% year-over-year. Net charge-offs were 10 basis points, and the allowance covered 130 basis points of total loans. Excess capital at the holding company was approximately $1.9 billion, or $7.80 per share.
Outlook
Management sees continued consumer spending and no concerns about consumer weakness. Deposit competition remains competitive, but Central Bancompany does not compete on price, instead focusing on primacy. The interest rate outlook assumes no rate cut until late 2027, which has steepened the yield curve and improved opportunities to invest excess cash. Repricing of $1.8 billion in loans over the rest of 2026 is expected to support net interest margin, as those loans are coming out at yields around 5.80% and new loan opportunities offer 300 basis points over similar-maturity Treasuries.
Growth Drivers
Loan growth resumed with annualized quarter-over-quarter growth of nearly 6% (excluding other consumer), driven by commercial lending. Average deposits grew 5% year-over-year, and normalized deposit growth is mid-single digits across markets. Repricing of $1.8 billion in loans during the rest of 2026 at higher yields provides a tailwind. Payments revenue, while seasonally lower in Q1, is growing year-over-year, supported by consumer spending and new commercial programs. The company also benefits from deploying excess cash into securities yielding around 4.30%.
Balance Sheet & CapEx
Not discussed in this earnings call. Management mentioned a core conversion with only $700,000 capitalized in the quarter, but no CapEx guidance or broader investment plans were provided.
Margins
The net interest margin (FTE) was 4.36%, down slightly due to lower prepayment fees and a seasonal shift toward higher-cost public fund deposits. Excluding public fund mix, deposit costs fell 5 basis points linked quarter. The efficiency ratio (FTE) improved to 45.7%. Management expects a sustainable expense run rate, with modest upticks from merit increases in March and approximately $5 million per year in public company costs. Lower public fund deposits in Q2 and Q3 should further benefit net interest margin.
Key Risks
Credit risk: delinquencies edged up in Q1, driven by commercial loans in a few markets, but management views these as isolated pockets of stress not indicative of systemic weakness. The overall asset quality remains pristine with net charge-offs of 10 basis points and allowance of 130 basis points. Interest rate risk: a steepening curve and slower rate cuts could affect the pace of margin expansion, but the company is positioned to benefit from repricing. Small absolute numbers in credit metrics can lead to large percentage changes, which may be misinterpreted.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (3 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (3)
Q2 2026 Q2 2026 2026-08-04
Q2 net income rose 16% year-over-year to $113.8M, with strong loan and deposit growth, stable asset quality, and robust wealth management inflows. Capital levels remain high, and a new $100M buyback was authorized, with management seeing continued value in shares.
Q1 2026 Q1 2026 2026-04-28
Net income rose 17% year-over-year to $111.1 million, with strong asset quality and robust capital levels. Deposit and loan growth continued, while share repurchases and dividend increases utilized excess capital. Payments and commercial lending segments are expected to drive further growth.
Q4 2025 Q4 2025 2026-01-27
Q4 net income reached $107.6M with strong asset quality and stable margins. Loan and deposit growth resumed, excess capital stands at $1.8B, and M&A remains a strategic focus. Wealth management AUA rose to $16B, and branch expansion is planned for St. Louis and Denver.
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📊 Analysis Methodology

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
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No Investment Recommendation:
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Information Sources:
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