Central Bancompany (CBC)
Financials · regional banking · NASDAQ
A diversified regional financial holding company providing consumer, commercial, and wealth management banking services.
What Central Bancompany does
Central Bancompany, Inc. is a financial holding company that operates through its primary subsidiary, The Central Trust Bank. The company provides a comprehensive range of financial services organized into three core business segments: Consumer Banking, Commercial Banking, and Wealth Management.
Themes: consumer banking, commercial banking, wealth management, commercial real estate (CRE) lending
Fundamentals
- Price$32.06 as of 2026-07-27 close
- Market cap$7.7B as of 2026-07-27
- P/E19.53 as of 2026-09-03
- ROE+10.3% FY2025, SEC XBRL
- Debt / equity0.28 as of 2026-09-03
- Beta0.11 as of 2026-09-03
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.3%; at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CBC compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, CBC's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 63%, free-cash-flow payout 107%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout63% dividends / net income
- Free-cash-flow payout107% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Analyst consensus
- Consensus ratingBuy (2.40 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$34.80 range $32.00 – $37.00; median $35.00
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CBC
- Consensus EPS estimate$0.486 next reporting period, as of 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $0.486, on 2026-09-02, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to interest rate fluctuations affecting net income and asset values.","Risks associated with commercial real estate (CRE) concentrations and changes in property values.","General economic conditions, including inflation, impacting loan portfolio quality and credit losses."]
What changed in the latest 10-Q
AI-assisted comparison of CBC's 10-Q filed 2026-08-14 against the prior one filed 2026-05-15.
Risk Factors
- Added:
- Newer filing's Item 2 table covers the second quarter of 2026 (April 1 - June 30, 2026).
- Newer filing discloses board approval on August 3, 2026 of the Second Repurchase Plan authorizing up to $100.0 million of repurchases and termination of the 2026 Repurchase Program.
- Newer filing states 'The Company has not made any repurchases during the quarter other than through the 2026 Repurchase Plan.'
- Removed:
- Older filing's Item 2 table covered the first quarter of 2026 (January 1 - March 31, 2026).
- Older filing included footnote (1) describing 20,259 shares acquired pursuant to the Central Bancompany, Inc. Restricted Stock Plan to satisfy tax withholding obligations.
- Older filing included footnote (2) indicating shares acquired under the 2026 Repurchase Plan.
- Older filing stated the Company 'did acquire shares pursuant to the Company's RSA Plan.'
- Reworded:
- Older filing referred to the buyback authorization as the '2026 Repurchase Plan'; newer filing refers to it as the '2026 Repurchase Program.'
- Older filing described the February 4, 2026 authorization as 'to repurchase of up to $50 million of shares'; newer filing describes it as 'repurchase of up to $50.0 million of the Company's Class A common stock.'
- Older filing said the 2026 Repurchase Plan 'replaces and supersedes the Company's prior authorizations'; newer filing says it 'replaced and superseded the Company's prior share repurchase authorization.'
- Older filing's table column heading included footnote markers '(1)(2)' and '2'; newer filing's table has no footnote markers.
- Notes:
- Risk Factors text itself is identical in both filings; all changes appear in Item 2 following the Risk Factors section.
- The provided texts are truncated mid-sentence in the older filing's Item 2 narrative and the newer filing's Item 5, limiting comparison of any text beyond those points.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for CBC — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding CBC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 5,210,476
- Reported value $158,298,027
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 2 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about CBC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CBC had 5,953,550 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
CBC had 2.49% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.76 days to cover at the same settlement.
- Reported short interest (shares) 5,953,550
- Short interest (% of shares outstanding) 2.49%
- Prior settlement (shares) 5,159,638
- Reported change 15.39%
- Days to cover (reported) 5.76
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- UMB Financial (UMBF)
- Commerce Bancshares (CBSH)
- BOK Financial (BOKF)
- Associated Banc-Corp (ASB)
- Prosperity Bancshares (PB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Central Bancompany (CBC) do?
Central Bancompany, Inc. is a financial holding company that operates through its primary subsidiary, The Central Trust Bank. The company provides a comprehensive range of financial services organized into three core business segments: Consumer Banking, Commercial Banking, and Wealth Management.
What sector is Central Bancompany (CBC) in?
Central Bancompany (CBC) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does CBC pay a dividend?
Yes — Central Bancompany (CBC) pays a dividend, with an indicated yield of about 3.31% and at least 2 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are Central Bancompany's (CBC) competitors?
Notable peers of Central Bancompany (CBC) include UMB Financial, Commerce Bancshares, BOK Financial, Associated Banc-Corp and Prosperity Bancshares. This peer set is informational only — not financial advice.
Where does stocks-llm's data on CBC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.