Central Bancompany, Inc. operates as the bank holding company for The Central Trust Bank that provides consumer, commercial, and wealth management products ...
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Est. EPS $0.49 · Revenue $288.95M · 4 analysts
Est. EPS $0.49 · Revenue $291.59M · 3 analysts
Est. EPS $1.91 · Revenue $1.14B · 4 analysts
Est. EPS $0.48 · Revenue $289.49M · 1 analysts
$0.35 per share
$0.35 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.2B | — | +2.1% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $390.9M | — | +2.4% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +82.8% | — | +0.9% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +41.5% | — | +0.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +32.0% | — | +0.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $231.4M | — | -45.2% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +18.9% | — | -46.4% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 26.7% | — | -15.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.50x | — | -90.4% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $20.8B | — | -0.8% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1.69 vs 1.79 | -5.8% | 0.47 vs 0.47 | -0.8% |
| Revenue Surprise | $1.2B vs $1.0B | +18.6% | $330.0M vs $283.8M | +16.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Mar 2, 2026 | Robuck Robert Marion | director | Class A Common Stock | A | 8,761 | — |
| Mar 2, 2026 | Cook Sam Bryan | director, 10 percent owner, officer: Executive Chairman | Class A Common Stock | A | 8,306 | — |
| Mar 2, 2026 | Ross John Thomas | director, officer: President, CEO | Class A Common Stock | A | 26,055 | — |
| Mar 2, 2026 | Colbert Jeremy Wayne | officer: EVP, Gen Counsel & Corp Sec | Class A Common Stock | A | 2,362 | — |
| Mar 2, 2026 | Goldammer Russell Lee | officer: EVP & CIO | Class A Common Stock | A | 2,647 | — |
Operator: Good day, and thank you for standing by. Welcome to the Central Bancompany Second Quarter 2026 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to turn the conference over to your speaker today, John Ross, President and CEO. Please go ahead. John Ross: Thank you, operator. Good morning, and thank you for joining us for Central Bancompany's Second Quarter Earnings Call. With me in the room today is our Chief Financial Officer, Jim Ciroli, Chief Customer Officer, Dan Westhues; and Chief Credit Officer, Eric Hallgren. As a reminder, I'd like to point out that the discussion today is subject to the same forward-looking considerations outlined on Page 4 of our press release. Today, we plan to again briefly provide some details on second quarter highlights before opening the line for questions. I'd like to begin with some nonfinancial updates for the second quarter. We opened 3 new full-service branches during the second quarter, 1 in St. Louis and 2 in Colorado, as part of our growth strategy in underpenetrated metro markets. Our Kansas City teammates were also busy welcoming World Cup fans and putting exclusive Soccer Capital of America debit cards in their wallets. But more than anything, I guess, you could say it was business as usual here at Central Bank. I'd like to thank the nearly 3,000 full-time employees across our organization for their continued efforts, providing legendary service to our clients and communities. I will now turn it over to Jim to cover a few financial highlights. James Ciroli: Thank you, JR. Net income of $113.8 million for the quarter or $0.47 per share produced a return on average assets of 2.24%. Relative to the second quarter of 2025, adjusted net income increased by $15.4 million or 16%. Net interest income increased $17.7 million over the prior year quarter with average earning assets up $1.1 billion, and net interest margin on an FTE basis expanding 13 basis points to 4.43%. Loan yields over the past year have been relatively stable despite a decline in short-term rates and a mixing of the consumer portfolio into lower-yielding, but lower-risk mortgage loans and out of the higher-yielding consumer loans where we're being more selective. During the quarter, our cost of deposits declined 3 basis points due mostly to a lower level of public fund deposits. We expect the public fund deposits will continue to decline seasonally in Q3 before increasing in Q4. Our core fee income ratio was 24.5%, reflecting seasonality and continued growth in noninterest income, a remarkable achievement considering the increase in net interest income. During the quarter, we participated in Visa's shares exchange offer, converting a portion of our Class B shares and recognizing a gain of $8.4 million. Additionally, we took advantage of higher rates to marginally reduce our asset sensitivity by selling $210 million in shorter-duration securities, taking a …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Sam Bryan Cook | Executive Chairman | USD 2,510,982 | Male | 1952 | Active |
John T. Ross | President, Chief Executive Officer & Director | USD 2,500,374 | Male | 1972 | Active |
Eric A. Hallgren | Executive VP & Chief Credit Officer | USD 759,346 | Male | 1985 | Active |
Scott Kellett | Executive Vice President of Wealth Management | — | Male | 1969 | Active |
James K. Ciroli | Executive Vice President & Chief Financial Officer | — | Male | 1966 | Active |
Jeremy W. Colbert | Executive Vice President, General Counsel & Corporate Secretary | — | Male | 1978 | Active |
Arlene R. Vogle | Senior Vice President of Commercial Banking Services | — | — | — | Active |
Matthew T. Tollerton | Senior Vice President of Digital Banking | — | — | — | Active |
Daniel H. Westhues | Senior Executive Vice President & Chief Customer Officer | — | Male | 1972 | Active |
Russell L. Goldammer | Executive Vice President & Chief Information Officer | — | Male | 1957 | Active |
Investors interested in Banks - Northeast stocks are likely familiar with Citizens Financial Group (CFG) and Central Bancompany (CBC). But which of these two companies is the best option for those looking for undervalued stocks?
Investors need to pay close attention to CBC stock based on the movements in the options market lately.
Bank of New York Mellon Corp bought a new stake in shares of Central Bancompany (NASDAQ: CBC) during the first quarter, according to the company in its most recent filing with the SEC. The institutional investor bought 33,295 shares of the company's stock, valued at approximately $797,000. A number of other institutional investors
Investors looking for stocks in the Banks - Northeast sector might want to consider either Citizens Financial Group (CFG) or Central Bancompany (CBC). But which of these two stocks offers value investors a better bang for their buck right now?
Central Bancompany, Inc. (CBC) Q2 2026 Earnings Call Transcript
| Report Date | Employees | Form Type | Filing Date | SEC Filing |
|---|---|---|---|---|
| Dec 31, 2025 | 2,765 | 10-K | Mar 25, 2026 | View |
