Central Bancompany (CBC)
Market Price (10/16/2026): $33.25 | Market Cap: $8.0 BilSector: Financials | Industry: Regional Banks
Central Bancompany (CBC)
Market Price (10/16/2026): $33.25Market Cap: $8.0 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.8%, FCF Yield is 6.1% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44% Low stock price volatilityVol 12M is 30% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. | Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% | Key risksCBC key risks include [1] the market's perception of management's ability to effectively deploy its peer-leading excess capital. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.8%, FCF Yield is 6.1% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44% |
| Low stock price volatilityVol 12M is 30% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% |
| Key risksCBC key risks include [1] the market's perception of management's ability to effectively deploy its peer-leading excess capital. |
Qualitative Assessment
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Central Bancompany (CBC) stock has gained about 10% since 6/30/2026 because of the following key factors:
1. Central Bancompany's strong fiscal second quarter 2026 financial results, released on August 4, 2026, significantly boosted investor confidence. The company reported net income of $113.8 million, or $0.47 per fully diluted share, representing an increase from $111.1 million and $0.46 in fiscal Q1 2026 and $91.4 million and $0.41 in the prior year's fiscal Q2. Additionally, Central Bancompany authorized a new $100 million share repurchase program, signaling a commitment to returning capital to shareholders.
2. Expansion in net interest margin and robust noninterest income growth contributed to the positive trend. For fiscal Q2 2026, net interest income reached $212.8 million, and the net interest margin expanded to 4.40%, up from 4.32% in fiscal Q1 2026. This growth was supported by a 6% year-over-year increase in average earning assets, or $1.1 billion. Furthermore, wealth management revenue saw a substantial 20% year-over-year increase, driving a 38.9% jump in overall noninterest income. The company also improved its efficiency ratio to 46.1% from 48.4% in the comparable prior-year quarter.
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Central Bancompany (CBC) stock has gained about 10% since 6/30/2026 because of the following key factors:
1. Central Bancompany's strong fiscal second quarter 2026 financial results, released on August 4, 2026, significantly boosted investor confidence. The company reported net income of $113.8 million, or $0.47 per fully diluted share, representing an increase from $111.1 million and $0.46 in fiscal Q1 2026 and $91.4 million and $0.41 in the prior year's fiscal Q2. Additionally, Central Bancompany authorized a new $100 million share repurchase program, signaling a commitment to returning capital to shareholders.
2. Expansion in net interest margin and robust noninterest income growth contributed to the positive trend. For fiscal Q2 2026, net interest income reached $212.8 million, and the net interest margin expanded to 4.40%, up from 4.32% in fiscal Q1 2026. This growth was supported by a 6% year-over-year increase in average earning assets, or $1.1 billion. Furthermore, wealth management revenue saw a substantial 20% year-over-year increase, driving a 38.9% jump in overall noninterest income. The company also improved its efficiency ratio to 46.1% from 48.4% in the comparable prior-year quarter.
3. The broader U.S. regional banking sector exhibited resilience and a positive outlook during the period. Regional banks, including Central Bancompany, benefited from expectations of continued loan growth, stable asset quality, and satisfactory capital and liquidity. Industry analyses projected a return on equity between 12.5% and 13.0% for the sector in 2026, driven by robust loan growth, stable net interest margins, and higher fee income.
4. Central Bancompany's inclusion in the S&P Banks Select Industry Index on September 22, 2026, likely provided additional positive momentum. This inclusion can lead to increased visibility and investment from institutional funds tracking the index.
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Stock Movement Drivers
Fundamental Drivers
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Market Drivers
6/30/2026 to 10/15/2026| Return | Correlation | |
|---|---|---|
| CBC | 7.6% | |
| Market (SPY) | 3.4% | 20.7% |
| Sector (XLF) | 1.7% | 51.6% |
Fundamental Drivers
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Market Drivers
3/31/2026 to 10/15/2026| Return | Correlation | |
|---|---|---|
| CBC | 37.1% | |
| Market (SPY) | 19.0% | 15.8% |
| Sector (XLF) | 10.8% | 45.3% |
Fundamental Drivers
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Market Drivers
9/30/2025 to 10/15/2026| Return | Correlation | |
|---|---|---|
| CBC | 73.5% | |
| Market (SPY) | 16.8% | 11.3% |
| Sector (XLF) | 2.4% | 23.4% |
Fundamental Drivers
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Market Drivers
9/30/2023 to 10/15/2026| Return | Correlation | |
|---|---|---|
| CBC | 165.0% | |
| Market (SPY) | 86.7% | 6.0% |
| Sector (XLF) | 71.6% | 11.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CBC Return | 9% | 14% | 10% | -3% | 93% | 37% | 251% |
| Peers Return | 29% | 8% | 17% | 7% | 2% | 23% | 118% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 14% | 108% |
Monthly Win Rates [3] | |||||||
| CBC Win Rate | 33% | 58% | 42% | 50% | 75% | 60% | |
| Peers Win Rate | 58% | 60% | 48% | 48% | 56% | 57% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| CBC Max Drawdown | -1% | -4% | -17% | -15% | -12% | -7% | |
| Peers Max Drawdown | -22% | -21% | -41% | -23% | -25% | -16% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CLBK, GCBC, MBBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/15/2026 (YTD)
About Central Bancompany (CBC)
Central Bancompany (CBC) is a bank holding company headquartered in Jefferson City, Missouri, operating through its primary subsidiary, The Central Trust Bank. Established in 1902, the company offers a comprehensive suite of financial products and services, managing $19.2 billion in balance sheet assets and $15.4 billion in wealth assets under advice as of September 30, 2025. With 156 full-service branch locations, CBC is committed to providing "legendary service" and fostering deep relationships within the communities it serves, embodying its slogan "Strong Roots, Endless Possibilities."
The company's main offerings span consumer, commercial, and wealth management products, catering to individuals, businesses, agencies, and community organizations. CBC emphasizes both robust community banking with local decision-making and advanced technological capabilities, including a highly-rated mobile app with extensive features. Its primary geographic footprint covers Missouri, Kansas, Oklahoma, and Colorado, with significant market presence in major metropolitan areas such as Jefferson City, Kansas City, St. Louis, Oklahoma City, and Denver, along with a presence in Naples, Florida.
Central Bancompany distinguishes itself through a customer-centric and community-aligned culture, evidenced by an impressive Net Promoter Score (NPS) of 71 and a consolidated weighted average deposit market share of 24%. The company's long history of consistent profitability, even through numerous economic recessions, and strong financial performance—including being ranked the #5 most profitable bank by ROAA in 2024 and a perennial Forbes Best Bank—underscore its strategic commitment to long-term growth and stability. This resilient model is supported by engaged employees and continuous investment in products, services, and technology.
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Here are 1-3 brief analogies for Central Bancompany (CBC):
Think of it as the Trader Joe's of regional banking, combining deep community roots and legendary customer service with modern financial products.
It's like a U.S. Bank with a multi-generational family legacy and an even stronger focus on local community relationships.
Consider it the Nordstrom of regional banking, renowned for its personalized customer service, community alignment, and strong financial performance.
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- Consumer Banking Services: Provides a comprehensive suite of financial products and services tailored for individual customers.
- Commercial Banking Services: Offers financial solutions and products for businesses, agencies, and community organizations.
- Wealth Management Services: Delivers advice and services for managing and growing client assets, including trust services.
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- Individuals (Consumers): Through its community banking subsidiary, The Central Trust Bank, CBC offers a comprehensive suite of consumer banking products and services, including deposits, loans, and other financial services to individual customers and households in its service areas.
- Businesses (Commercial): CBC provides commercial banking products and services designed to meet the holistic financial services needs of businesses within its footprint. This includes various banking solutions for companies of different sizes.
- Wealth Management Clients: The company offers wealth management products and services, including advisory services for wealth assets, catering to clients seeking to manage and grow their financial assets. This category serves both individuals with significant assets and potentially institutional clients.
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John T. Ross, President and Chief Executive Officer
Mr. Ross has served as the President and Chief Executive Officer of Central Bancompany and The Central Trust Bank since April 2024, and as a director of the Company since 2021. He previously held the role of Chief Operating Officer, which he assumed upon joining the Company in March 2020. Prior to his tenure at Central Bancompany, Mr. Ross spent nearly two decades at J.P. Morgan Chase, where his most recent position was Co-Head of Depository Coverage in the Financial Institutions Group. He holds a Bachelor of Business from the University of Oklahoma and a Masters of Public Administration from the Kennedy School of Government at Harvard University. Mr. Ross is also a Certified Public Accountant (inactive).
James K. Ciroli, Executive Vice President & Chief Financial Officer
Mr. Ciroli has served as the Executive Vice President and Chief Financial Officer of Central Bancompany and The Central Trust Bank since June 2025. Before joining Central Bancompany, he was the Executive Vice President and Chief Financial Officer of Flagstar Bancorp, Inc. from 2014 to December 2022. From 2009 to 2014, Mr. Ciroli was the Senior Vice President, Corporate Controller, and Principal Accounting Officer of First Niagara Financial Group, Inc. Additionally, he served as Senior Vice President and Assistant Controller of Huntington Bancshares Incorporated from 2002 to 2009. Earlier in his career, Mr. Ciroli held various positions of increasing responsibility at KeyCorp and Deloitte & Touche LLP. He earned a Bachelor of Science in Management Science and a Master of Accounting from Case Western Reserve University.
S. Bryan Cook, Executive Chairman
Mr. Cook has served as the Executive Chairman of Central Bancompany and The Central Trust Bank since 2024. He is the great-grandson of the Company's founder. Mr. Cook previously held the positions of Chairman, President, and Chief Executive Officer for 16 years and has been a member of the Board since 1986. Prior to that, he served as the Chief Operating Officer of the Bank. He holds a Bachelor of Arts in Economics from Washington & Lee University, and a Master of Arts in Economics, a Master of Business Administration, and a Ph.D. in Economics from the University of Missouri. Mr. Cook is also Chairman at The Central Trust Bank (Jefferson City, Missouri) and a Director at the Municipal Theatre Association of St. Louis, Central Technology Services, Inc., and Central Mortgage Co. (Missouri).
Eric Hallgren, Executive Vice President & Chief Credit Officer
Mr. Hallgren joined Central Bancompany as the Executive Vice President and Chief Credit Officer for the Company and the Bank in July 2024. Before this role, he served as the Chief Credit Officer for First Banks, Inc. from August 2020 to June 2024, where he had also been Director of Credit Underwriting. Mr. Hallgren earned a Bachelor of Science in Finance from Saint Louis University and a Master of Business Administration from Washington University in St. Louis—Olin Business School.
Russell L. Goldammer, Executive Vice President & Chief Information Officer
Mr. Goldammer has served as the Executive Vice President and Chief Information Officer for Central Bancompany and as the Chief Technology Officer of The Central Trust Bank since October 2021. Prior to these roles, he was the President and Chief Executive Officer of Central Technology Services, a division of the Company providing technological support, since June 2009. Before joining Central Bancompany in 2009, Mr. Goldammer served as the Chief Information Officer at First Banks, Inc.
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- Intense Competition for Market Share and Customer Loyalty: Central Bancompany operates in a highly competitive environment, constantly striving to increase its deposit market share and grow the number of households it serves. The company regularly benchmarks itself against "other community banks" and "largest banks in the industry" and notes its aim to offer "service levels better than other community banks and products, services and technologies consistent with the largest banks." Its consistent efforts to take market share and maintain high customer satisfaction (evidenced by an NPS of 71) underscore the ongoing challenge of attracting and retaining customers against numerous competitors.
- Vulnerability to Economic Downturns and Recessions: While Central Bancompany prides itself on maintaining profitability through "23 U.S. economic recessions," including the Great Depression and the Great Recession, the very emphasis on its historical resilience highlights that economic downturns pose a significant and recurring risk to its business. Recessions can lead to reduced loan demand, increased credit losses, and overall slower economic activity in the primary markets it serves (Missouri, Kansas, Oklahoma, and Colorado), impacting the bank's financial performance.
- Failure to Sustain Technological Advantage and Innovation: Central Bancompany places considerable emphasis on its "investments in products, services and technologies," including a "banking core modernization project" and an "in-house technology division and innovation teams." The company boasts a high mobile app rating and extensive functionalities comparable to large money center banks. This indicates that a failure to continuously invest in and successfully implement new technologies, or to keep pace with evolving customer expectations for digital banking, could erode its competitive advantage and negatively impact customer satisfaction.
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- For the Jefferson City, MO MSA, the addressable deposit market is approximately $5.88 billion (Central Bancompany's deposits: $3,175 million, deposit share: 54%).
- For the Columbia, MO MSA; Mexico, MO MSA; and Moberly, MO MSA, the addressable deposit market is approximately $6.97 billion (Central Bancompany's deposits: $2,508 million, deposit share: 36%).
- For the Lake of the Ozarks region (Camden County, MO; Miller County, MO; Morgan County MO), the addressable deposit market is approximately $4.05 billion (Central Bancompany's deposits: $971 million, deposit share: 24%).
- For the Branson, MO MSA and Stone County, MO, the addressable deposit market is approximately $2.18 billion (Central Bancompany's deposits: $415 million, deposit share: 19%).
- For the Sedalia, MO MSA, the addressable deposit market is approximately $1.03 billion (Central Bancompany's deposits: $403 million, deposit share: 39%).
- For the Warrensburg, MO MSA, the addressable deposit market is approximately $1.26 billion (Central Bancompany's deposits: $340 million, deposit share: 27%).
- For the Kansas City, MO-KS MSA and Lawrence, KS MSA, the addressable deposit market is approximately $102.10 billion (Central Bancompany's deposits: $3,063 million, deposit share: 3%).
- For the St. Louis, MO-IL MSA, the addressable deposit market is approximately $90.55 billion (Central Bancompany's deposits: $1,811 million, deposit share: 2%).
- For the Springfield, MO MSA, the addressable deposit market is approximately $17.31 billion (Central Bancompany's deposits: $1,558 million, deposit share: 9%).
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Central Bancompany (CBC) is expected to drive future revenue growth over the next 2-3 years through a combination of strategic expansion, robust lending activities, growth in its wealth management segment, and the strategic deployment of its excess capital.
- Strategic Branch Expansion and Geographic Growth: Central Bancompany is actively pursuing growth by opening new full-service branches in "underpenetrated metro markets," as evidenced by the opening of three new branches in St. Louis and Colorado during the second quarter of 2026. This strategy aims to expand its physical footprint and capture new customers in key metropolitan areas, complementing its historical success in increasing market share through acquisitions.
- Robust Loan Growth and Optimized Lending Portfolio: The company consistently reports strong loan growth momentum with robust pipelines. Management anticipates loan yields to rise due to the repricing of approximately $1.3 billion in fixed-rate loans in the second half of 2026. While strategically reducing some higher-yielding consumer loans, Central Bancompany is shifting its consumer portfolio towards lower-risk mortgage loans, indicating a focus on sustainable and profitable loan expansion.
- Expansion of Wealth Management Services and Fee Income: Central Bancompany has demonstrated significant year-over-year growth in its wealth management revenue, which rose 20% by Q2 2026, with assets under advice increasing to $17.3 billion. The company has further bolstered this segment by launching a private bank initiative, which is already contributing to new inflows and growth in assets under advice, indicating a strong focus on expanding non-interest income streams.
- Strategic Deployment of Excess Capital, including Acquisitions: With approximately $1.9 billion in excess capital, Central Bancompany is well-positioned for strategic deployment. Analysts and management suggest this capital can be utilized for mergers and acquisitions (M&A) or further branch builds. This deployment strategy, building on the company's "successful acquisition strategy" highlighted in its background, is expected to fuel both organic and inorganic revenue growth.
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Capital Expenditures
- Central Bancompany is currently undertaking a banking core modernization project aimed at providing real-time, API-based capabilities.
- The company continuously reinvests in its business, including products, services, and technologies.
- Investments in technology have resulted in an average mobile app rating of 4.9/5 on iOS, with approximately 52,000 customer ratings and over 300 mobile functionalities as of October 30, 2025.
Peer Outperformance in Regional Banks
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 21.7% | 64.9% | 115.6% | SPNT 168% · RGA 142% · RNR 141% |
| Diversified Banks | 12 | 27.2% | 128.9% | 90.2% | CM 138% · JPM 128% · RY 123% |
| Investment Banking & Brokerage | 13 | -9.8% | 97.3% | 81.5% | IBKR 397% · SNEX 192% · GS 148% |
| Life & Health Insurance | 20 | 12.2% | 52.2% | 80.4% | JXN 487% · UNM 291% · MFC 175% |
| Multi-Sector Holdings | 4 | 5.9% | 51.0% | 68.9% | BRK-B 85% · VOYA 53% · JEF 29% |
| Property & Casualty Insurance | 42 | 9.8% | 72.7% | 63.1% | TRV 171% · PGR 162% · ACGL 146% |
| Multi-line Insurance | 9 | 6.1% | 60.9% | 59.6% | GNW 106% · L 92% · AIZ 89% |
| Regional Banks ← | 263 | 26.4% | 89.6% | 50.2% | CBC 221% · FCNCA 150% · FBP 141% |
| Financial Exchanges & Data | 15 | 5.7% | 35.6% | 30.5% | VIRT 162% · CBOE 162% · CME 69% |
| Consumer Finance | 30 | -0.6% | 75.7% | 20.9% | ENVA 392% · EZPW 314% · FCFS 166% |
| Insurance Brokers | 15 | -14.6% | -0.5% | 10.9% | LIFE 347% · ARX 88% · AJG 62% |
| Diversified Financial Services | 4 | -8.1% | 16.6% | 9.3% | FRHC 178% · EQH 87% |
| Asset Management & Custody Banks | 83 | -12.2% | 14.9% | 5.9% | WT 298% · AAMI 244% · VCTR 237% |
| Specialized Finance | 3 | 12.0% | 32.7% | -10.6% | CACC -11% · HASI -21% |
| Commercial & Residential Mortgage Finance | 14 | -55.3% | 17.0% | -10.6% | FNMA 383% · FMCC 344% · ACT 163% |
| Mortgage REITs | 33 | -19.8% | -3.5% | -32.7% | RITM 23% · DX 20% · AGNC 9% |
| Transaction & Payment Processing Services | 17 | 2.8% | 1.4% | -44.9% | V 80% · MA 78% · CPAY 44% |
| Diversified Capital Markets | 20 | -48.2% | 14.3% | -66.0% | LPLA 94% · TW 37% · RIOT -46% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 23.19 |
| Mkt Cap | 0.6 |
| Rev LTM | 277 |
| Op Inc LTM | - |
| FCF LTM | 42 |
| FCF 3Y Avg | 24 |
| CFO LTM | 42 |
| CFO 3Y Avg | 25 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 22.1% |
| Rev Chg 3Y Avg | 8.6% |
| Rev Chg Q | 15.5% |
| QoQ Delta Rev Chg LTM | 3.7% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 30.3% |
| CFO/Rev 3Y Avg | 24.3% |
| FCF/Rev LTM | 28.9% |
| FCF/Rev 3Y Avg | 21.2% |
FDA Approved Drugs Data
Expand for More| Post-Approval Fwd Returns | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| FDA App # | Brand Name | Generic Name | Dosage Form | FDA Approval | 3M Rtn | 6M Rtn | 1Y Rtn | 2Y Rtn | Total Rtn |
| NDA219779 | CARBON DIOXIDE, USP | carbon dioxide | gas | 8102024 | 0.0% | 6.4% | 53.0% | 179.0% | 176.2% |
| NDA208835 | MEDICAL AIR, USP | medical air | gas | 12252015 | 1.4% | 1.4% | 1.4% | 17.8% | 437.0% |
| ANDA204539 | AMMONIA N 13 | ammonia n-13 | injectable | 6232015 | 4.9% | 11.0% | 12.5% | 17.7% | 496.0% |
| Post-Approval Fwd Returns | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| FDA App # | Brand Name | Generic Name | Dosage Form | FDA Approval | 3M Rtn | 6M Rtn | 1Y Rtn | 2Y Rtn | Total Rtn |
| NDA219779 | CARBON DIOXIDE, USP | carbon dioxide | gas | 8102024 | 0.0% | 6.4% | 53.0% | 179.0% | 176.2% |
| NDA208835 | MEDICAL AIR, USP | medical air | gas | 12252015 | 1.4% | 1.4% | 1.4% | 17.8% | 437.0% |
| ANDA204539 | AMMONIA N 13 | ammonia n-13 | injectable | 6232015 | 4.9% | 11.0% | 12.5% | 17.7% | 496.0% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial | 479 | 446 | |||
| Consumer | 426 | 402 | |||
| Wealth Management | 77 | 69 | |||
| Corp / Other | 39 | -19 | |||
| Single segment | 840 | 750 | 732 | ||
| Total | 1,021 | 898 | 840 | 750 | 732 |
| $ Mil | 2025 | 2024 |
|---|---|---|
| Commercial | 243 | 227 |
| Consumer | 136 | 112 |
| Wealth Management | 19 | 17 |
| Corp / Other | -7 | -50 |
| Total | 391 | 306 |
| $ Mil | 2025 | 2024 |
|---|---|---|
| Corp / Other | 8,704 | 7,110 |
| Commercial | 8,531 | 8,573 |
| Consumer | 3,498 | 3,535 |
| Wealth Management | 19 | 25 |
| Total | 20,752 | 19,243 |
Price Behavior
| Market Price | $32.58 | |
| Market Cap ($ Bil) | 7.8 | |
| First Trading Date | 02/21/2012 | |
| Distance from 52W High | -2.4% | |
| 50 Days | 200 Days | |
| DMA Price | $32.23 | $27.94 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 1.1% | 16.6% |
| 3M | 1YR | |
| Volatility | 17.8% | 30.4% |
| Downside Capture | 61.36 | 21.04 |
| Upside Capture | 62.89 | 78.88 |
| Correlation (S&P 500) | 21.5% | 12.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.97 | 0.55 | 0.40 | 0.29 | 0.27 | 0.10 |
| Up Beta | -1.31 | 0.72 | 0.45 | 0.33 | 0.17 | -0.07 |
| Down Beta | 1.80 | -0.00 | -0.23 | -0.39 | -0.26 | 0.02 |
| Up Capture | 97% | 36% | 54% | 65% | 70% | 14% |
| Bmk +ve Days | 6 | 16 | 27 | 66 | 132 | 424 |
| Stock +ve Days | 9 | 19 | 33 | 70 | 129 | 195 |
| Down Capture | 148% | 91% | 46% | 19% | 25% | 20% |
| Bmk -ve Days | 16 | 26 | 37 | 60 | 120 | 328 |
| Stock -ve Days | 13 | 23 | 31 | 56 | 114 | 170 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBC | |
|---|---|---|---|---|
| CBC | 47.7% | 26.9% | 1.43 | - |
| Sector ETF (XLF) | 3.7% | 14.6% | 0.02 | 29.3% |
| Equity (SPY) | 17.6% | 12.7% | 0.99 | 13.0% |
| Gold (GLD) | 0.5% | 29.5% | 0.02 | 4.8% |
| Commodities (DBC) | 50.9% | 20.7% | 1.88 | -16.7% |
| Real Estate (VNQ) | 4.7% | 13.7% | 0.08 | 21.9% |
| Bitcoin (BTCUSD) | -28.1% | 43.7% | -0.63 | 12.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBC | |
|---|---|---|---|---|
| CBC | 18.7% | 33.5% | 1.98 | - |
| Sector ETF (XLF) | 8.8% | 18.3% | 0.34 | 24.7% |
| Equity (SPY) | 13.4% | 17.1% | 0.60 | 14.2% |
| Gold (GLD) | 18.5% | 18.9% | 0.79 | 0.3% |
| Commodities (DBC) | 9.7% | 19.5% | 0.38 | -11.8% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 10.2% |
| Bitcoin (BTCUSD) | 8.7% | 51.8% | 0.35 | 0.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBC | |
|---|---|---|---|---|
| CBC | 9.6% | 34.0% | 2.05 | - |
| Sector ETF (XLF) | 12.8% | 22.1% | 0.53 | 22.2% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 14.3% |
| Gold (GLD) | 12.2% | 16.4% | 0.61 | -0.2% |
| Commodities (DBC) | 8.2% | 18.1% | 0.37 | -12.2% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.20 | 10.0% |
| Bitcoin (BTCUSD) | 63.1% | 66.2% | 1.03 | 0.6% |
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Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Ross, John Thomas | President, CEO | Direct | Buy | 2092026 | 24.50 | 40,000 | 979,880 | 2,008,754 | Form |
| 2 | Schoeneberg, Carey Denise | SVP & Chief Risk Officer | Direct | Buy | 11252025 | 21.00 | 1,000 | 21,000 | 43,050 | Form |
| 3 | Schoeneberg, Carey Denise | SVP & Chief Risk Officer | Child | Buy | 11252025 | 21.00 | 100 | 2,100 | 2,100 | Form |
| 4 | Kruse, Charles E | Direct | Buy | 11252025 | 21.00 | 2,500 | 52,500 | 52,500 | Form | |
| 5 | Westhues, Daniel Harold | SEVP & Chief Customer Officer | Direct | Buy | 11252025 | 21.00 | 4,200 | 88,200 | 1,995,000 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Ross, John Thomas | President, CEO | Direct | Buy | 2092026 | 24.50 | 40,000 | 979,880 | 2,008,754 | Form |
| 2 | Schoeneberg, Carey Denise | SVP & Chief Risk Officer | Direct | Buy | 11252025 | 21.00 | 1,000 | 21,000 | 43,050 | Form |
| 3 | Schoeneberg, Carey Denise | SVP & Chief Risk Officer | Child | Buy | 11252025 | 21.00 | 100 | 2,100 | 2,100 | Form |
| 4 | Kruse, Charles E | Direct | Buy | 11252025 | 21.00 | 2,500 | 52,500 | 52,500 | Form | |
| 5 | Westhues, Daniel Harold | SEVP & Chief Customer Officer | Direct | Buy | 11252025 | 21.00 | 4,200 | 88,200 | 1,995,000 | Form |
| 6 | Thompson, Tristan Antin | See Remarks. | Direct | Buy | 11252025 | 21.00 | 480 | 10,080 | 10,080 | Form |
| 7 | Sprong, Bradley Nixon | Direct | Buy | 11252025 | 21.00 | 4,500 | 94,500 | 94,500 | Form | |
| 8 | Ross, John Thomas | President, CEO | Direct | Buy | 11252025 | 21.00 | 42,000 | 882,000 | 882,000 | Form |
| 9 | Robuck, Robert Marion | Direct | Buy | 11252025 | 21.00 | 47,619 | 999,999 | 999,999 | Form | |
| 10 | Robertson, Edward Deroy JR | Direct | Buy | 11252025 | 21.00 | 4,550 | 95,550 | 95,550 | Form | |
| 11 | McClure, Richard Hays | Direct | Buy | 11252025 | 21.00 | 11,200 | 235,200 | 235,200 | Form | |
| 12 | Kellett, Scott McKinney | EVP of Wealth Management | Direct | Buy | 11252025 | 21.00 | 1,000 | 21,000 | 582,750 | Form |
| 13 | Hermann, Robert Ringen JR | Direct | Buy | 11252025 | 21.00 | 47,619 | 999,999 | 999,999 | Form | |
| 14 | Hallgren, Eric Andrew | EVP & Chief Credit Officer | Direct | Buy | 11252025 | 21.00 | 2,500 | 52,500 | 52,500 | Form |
| 15 | Goldammer, Russell Lee | EVP & CIO | Direct | Buy | 11252025 | 21.00 | 2,000 | 42,000 | 98,700 | Form |
| 16 | Cook, Sam Bryan | Executive Chairman | Direct | Buy | 11252025 | 21.00 | 38,619 | 810,999 | 810,999 | Form |
| 17 | Cook, Sam Bryan | Executive Chairman | Spouse | Buy | 11252025 | 21.00 | 9,000 | 189,000 | 189,000 | Form |
| 18 | Digges, Charles William JR | Direct | Buy | 11252025 | 21.00 | 5,000 | 105,000 | 105,000 | Form | |
| 19 | Colbert, Jeremy Wayne | See Remarks. | Direct | Buy | 11252025 | 21.00 | 2,200 | 46,200 | 46,200 | Form |
| 20 | Ciroli, James | EVP & CFO | Direct | Buy | 11252025 | 21.00 | 17,000 | 357,000 | 357,000 | Form |
Investor Activity (13F)
Updated Oct 16, 2026Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager |
|---|
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