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Central Bancompany, Inc. (CBC) stock

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NASDAQ: CBC Nasdaq Regional Banks Next results ~January 26, 2027

Central Bancompany, Inc. is a US-listed company. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$16

Valuation models combined (2)

Base case. Range ~$13–$20. Weighted average of 2 models (price-to-book vs peers, forward price-to-earnings vs peers).

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Central Bancompany, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders17 buying, 0 selling20 purchases and 0 sales by directors and officers, last 12 monthsInsider trades
  • Funds99 adding, 47 cuttingOf 39 active managers that changed their stake, 20 added; quarter to June 30, 2026Fund buyers and sellers

The Fundamentalytics view

Next results ~January 26, 2027 (estimated)

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

Nothing in Central Bancompany, Inc.'s latest figures clears our strength thresholds.

Things to watch

  • Heavily shorted. 11.9% of the shares available to trade are sold short (6.0 days of average volume to cover).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 2 of the last four quarters.

Latest results: FY2026 Q2

Filed August 14, 2026
Earnings per share
$0.48 against an average estimate of $0.49: missed by 1.2%
Revenue
$282m, up 15.2% on a year earlier
Share reaction
+1.2% in the first session after the results on October 27, 2026, against +0.9% for the S&P 500
Next report
January 26, 2027; average EPS estimate $0.49

Central Bancompany's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.6%
  • 1 week+5.8%
  • 1 month+15.0%
  • This year+54.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Earnings

Last results
October 27, 2026
Next results (est.)
January 26, 2027

News & updates

Updated November 3, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement
  2. Results
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Central Bancompany, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Central Bancompany, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: book value or earnings not available
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: return on equity is not positive
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. — Does not apply: book value or return on equity not available
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$13 ~$17–$25 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$20 ~$19–$24 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: no current dividend figure in the company's tagged filings
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$16 ~$13–$20 2 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Central Bancompany, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Valuation multiples over time Market data may be delayed

At fiscal year end 2025
Share price$23.81
Market value$5.3bn
+ Net debt (− = net cash)−$2.1bn
Enterprise value$3.2bn
Multiples
Price / sales 5.2x
Price / earnings 13.5x
Price / free cash flow 22.9x
EV / EBITDA —

Market value uses the period's diluted share count; figures for each fiscal year use that year's results and the price at year end. "Now" uses today's price and the last twelve months.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 26, 2027, before the open. Analysts expect revenue of $291m and EPS of $0.49 (range $0.49 to $0.49) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $1.90 +5% $1.1bn +8%
Next $2.05 +8% $1.2bn +6%

Next year's EPS estimate has moved −0.1% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −0.8% on 90 days ago. In the last 30 days, 0 analysts raised Central Bancompany, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Central Bancompany, Inc., last 90 days
$1.90 $1.95 $2.00 $2.05 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $1.92 Current fiscal year, 60 days ago: $1.91 Current fiscal year, 30 days ago: $1.91 Current fiscal year, 7 days ago: $1.91 Current fiscal year, Now: $1.90 $1.90 Next fiscal year, 90 days ago: $2.05 Next fiscal year, 60 days ago: $2.03 Next fiscal year, 30 days ago: $2.03 Next fiscal year, 7 days ago: $2.04 Next fiscal year, Now: $2.05 $2.05

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $1.92$2.05
60 days ago $1.91$2.03
30 days ago $1.91$2.03
7 days ago $1.91$2.04
Now $1.90$2.05

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.49 $0.48 −1.2%
Jun 2026 $0.47 $0.47 −0.8%
Mar 2026 $0.43 $0.46 +6.0%
Dec 2025 $0.45 $0.47 +4.0%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 27, 2026

No numeric guidance in Central Bancompany, Inc.'s latest earnings release (filed October 27, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

5 analysts, Oct 2026
Buy240%
Hold360%
Sell00%

Monthly trend

  1. Oct 20261135
  2. Sep 20261135
  3. Aug 20262125
  4. Jul 20262215

Counts of recommendations published by analysts covering Central Bancompany, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
11.9%
of tradable shares
Days to cover
5.97
at average volume
Short interest, 1 month
+48%
to October 15, 2026
Held by institutions
35%
of shares
Held by insiders
66.9%
of shares
Employees
2,971
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Return and risk by year

Calendar year 2026 to date
Return
CBC+55%
Industry peers (median)+24%
S&P 500+11%
Months that ended higher
CBC64%
S&P 50046%
Largest fall from a high during the year
CBC−7%
S&P 500−9%

Worst fall since November 21, 2025: 7% from February 20, 2026 to March 20, 2026. Getting back needed a 8% gain, reached on April 17, 2026, 28 days after the low.

Price behaviour

52-week range
Not enough history
From 52-week high
—
vs 50-day average
+12.6%
vs 200-day average
+28.8%
Volatility (1 year)
23%
Beta vs S&P 500
0.35

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
1 up, 3 down
typical move ±1.1%
After a week
1 up, 2 down
typical move ±1.5%
After a month
2 up, 1 down
typical move ±3.2%
Results releasedNext dayS&P 500 next day5 days21 days
October 27, 2026 +1.2% +0.9% — —
August 4, 2026 −0.2% +1.6% −0.5% −2.2%
April 28, 2026 −0.8% −0.5% +3.7% +7.2%
January 27, 2026 −2.1% +0.4% −0.3% +0.3%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2024 Dec 2024 2025 Dec 2025
Income
Revenue 898 1,021
Net income 306 391
Diluted EPS $1.39 $1.75
Growth (year on year)
Revenue — +13.8%
Net income — +27.8%
Diluted EPS — +25.9%
Margins
Net margin 34.1% 38.3%
Free-cash-flow margin 37.7% 22.7%
Cash flow
Cash from operations 363 248
Capital spending 25 17
Free cash flow 338 231
Stock-based pay 3 3
Free cash flow after stock pay 335 228
Balance sheet
Cash 1,242 2,064
Total debt 0 0
Net debt (negative = net cash) −1,242 −2,064
Diluted shares 221m 222m
Returned to shareholders
Dividends 58 247
Buybacks 12 0
Total returned 70 247

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

0 of 0 checks passed · June 30, 2026
  • Short-term assets cover short-term liabilities The company doesn't report a short-term split. Not assessable.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt Cash or debt not separately reported. Not assessable.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
  • Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From Central Bancompany, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue YoY
Credit and Debit Card $67.6M ▲ 0.1%
Deposit Account $57.6M ▲ 2.7%
Fiduciary and Trust $52M ▲ 13.2%
Investment Advisory Management and Administrative Service $28.7M ▲ 11.5%

These categories overlap or exclude eliminations, so shares aren't shown.

From Central Bancompany, Inc.'s 10-K filed March 25, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$1.1B
Institutions reporting
144
Shares held vs prior quarter
▲ 15.1%
Positions opened / closed
54 / 14

Top buyers and sellers, Q2 2026: 99 institutions bought and 47 sold ; the biggest buyer was State Street Corp (+1.0M shares) and the biggest seller Price T Rowe Associates Inc (−1.6M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Central Trust Co $229M 7.6M 21.7% ▲ 5.5%
North Reef Capital Management LP $140M 4.6M 13.2% ▲ 12.9%
FMR LLC $69.7M 2.3M 6.6% ▼ 0.8%
State Street Corp $45.1M 1.5M 4.3% ▲ 233.7%
Blackrock, Inc. $41.3M 1.4M 3.9% ▲ 48.5%
Massachusetts Financial Services Co $35.3M 1.2M 3.3% ▼ 5.0%
Goldman Sachs Group Inc $25.3M 833K 2.4% ▲ 1106.5%
Bank Of America Corp $25M 824K 2.4% ▲ 542.7%
American Century Companies Inc $25M 823K 2.4% ▼ 33.0%
Champlain Investment Partners, LLC $25M 822K 2.4% ▼ 41.2%
Schroder Investment Management Group $22M 724K 2.1% ▲ 12.5%
Geode Capital Management, LLC $21M 692K 2.0% ▼ 2.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Central Bancompany, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $6.1M 20 trades by 17 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $6.1M net buying
Insider Date Trade Shares Price Value
Ross John Thomas President, CEO February 6, 2026 Buy 40,000 $24.50 $980,000
Ciroli James EVP & CFO November 21, 2025 Buy 17,000 $21.00 $357,000
Colbert Jeremy Wayne See Remarks. November 21, 2025 Buy 2,200 $21.00 $46,200
Digges Charles William Jr. Director November 21, 2025 Buy 5,000 $21.00 $105,000
Cook Sam Bryan Executive Chairman November 21, 2025 Buy 9,000 $21.00 $189,000
Cook Sam Bryan Executive Chairman November 21, 2025 Buy 38,619 $21.00 $810,999
Goldammer Russell Lee EVP & CIO November 21, 2025 Buy 2,000 $21.00 $42,000
Hallgren Eric Andrew EVP & Chief Credit Officer November 21, 2025 Buy 2,500 $21.00 $52,500
Hermann Robert Ringen Jr. Director November 21, 2025 Buy 47,619 $21.00 $999,999
Kellett Scott Mckinney EVP of Wealth Management November 21, 2025 Buy 1,000 $21.00 $21,000
Mcclure Richard Hays Director November 21, 2025 Buy 11,200 $21.00 $235,200
Robertson Edward Deroy Jr. Director November 21, 2025 Buy 4,550 $21.00 $95,550

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 26, 2027 estimated from the company's past filing pattern, not announced

  • October 27, 2026
  • August 4, 2026
  • April 28, 2026
  • January 27, 2026

Recent SEC filings

Data status

When each part of this page on Central Bancompany, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Central Bancompany, Inc. in brief

What does Central Bancompany, Inc. do?
Central Bancompany, Inc. is a US-listed company. Its financial year ends in December.
What is Central Bancompany, Inc.'s stock ticker?
Central Bancompany, Inc. trades under the ticker CBC on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
Who are Central Bancompany, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Central Trust Co, North Reef Capital Management LP and FMR LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Central Bancompany, Inc.'s market cap?
On December 31, 2025, Central Bancompany, Inc.'s market capitalisation was about $5.3B, with a price-to-earnings ratio of 13.5 and net debt of -$2.1B. Market figures come from third-party market data and may be delayed.
Are insiders buying or selling Central Bancompany, Inc. stock?
Over the last 12 months, Central Bancompany, Inc.'s directors and officers reported 20 open-market purchases and 0 sales on Form 4. The insider trading page charts every trade.
When is Central Bancompany, Inc.'s next earnings date?
Around January 26, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Central Bancompany, Inc. announces its own schedule.