Central Bancompany (CBC)


Market Price (10/30/2026): $35.87 | Market Cap: $8.6 BilSector: Financials | Industry: Regional Banks

Central Bancompany (CBC)


Market Price (10/30/2026): $35.87
Market Cap: $8.6 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.2%, FCF Yield is 5.5%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -91%

Attractive cash flow generation
CFO/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 volatility
Vol 12M is 27%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%

Meaningful short interest
Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.4

Key risks
CBC key risks include [1] the market's perception of management's ability to effectively deploy its peer-leading excess capital.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.2%, FCF Yield is 5.5%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -91%
2 Attractive cash flow generation
CFO/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%
3 Low stock price volatility
Vol 12M is 27%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
5 Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%
6 Meaningful short interest
Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.4
7 Key risks
CBC key risks include [1] the market's perception of management's ability to effectively deploy its peer-leading excess capital.

CBC in ETFs

Weight = CBC's share of each fund

VTI0.00%
ITOT0.00%
IWB0.00%
VB0.03%
KRE0.86%
SCHA0.07%
VBR0.06%
SCHM0.06%
+8 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 10/27/2026

Central Bancompany (CBC) stock has gained about 20% since 6/30/2026 because of the following key factors:

1. Strong Fiscal Q3 2026 Financial Performance, particularly in Net Interest Income and Margin Expansion. Central Bancompany reported net income of $116.2 million for fiscal Q3 2026, marking a 19.7% increase year-over-year. Net interest income grew by 10.0% year-over-year to $218.9 million, and the fully taxable equivalent net interest margin expanded by 12 basis points year-over-year to 4.51%. This expansion was driven by higher loan and securities yields, consistent loan growth, and a favorable earning asset mix.

2. Robust Capital Position and Maintained Asset Quality. The company exhibited exceptional capital strength, reporting a consolidated common equity tier 1 (CET1) ratio of 29.1% at the end of fiscal Q3 2026, along with $2 billion in excess capital, equivalent to $8.28 per share. Furthermore, asset quality remained strong, evidenced by nonperforming assets at 33 basis points of total assets and annualized net charge-offs of 12 basis points for the quarter.

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Updated on 10/27/2026

Central Bancompany (CBC) stock has gained about 20% since 6/30/2026 because of the following key factors:

1. Strong Fiscal Q3 2026 Financial Performance, particularly in Net Interest Income and Margin Expansion. Central Bancompany reported net income of $116.2 million for fiscal Q3 2026, marking a 19.7% increase year-over-year. Net interest income grew by 10.0% year-over-year to $218.9 million, and the fully taxable equivalent net interest margin expanded by 12 basis points year-over-year to 4.51%. This expansion was driven by higher loan and securities yields, consistent loan growth, and a favorable earning asset mix.

2. Robust Capital Position and Maintained Asset Quality. The company exhibited exceptional capital strength, reporting a consolidated common equity tier 1 (CET1) ratio of 29.1% at the end of fiscal Q3 2026, along with $2 billion in excess capital, equivalent to $8.28 per share. Furthermore, asset quality remained strong, evidenced by nonperforming assets at 33 basis points of total assets and annualized net charge-offs of 12 basis points for the quarter.

3. Positive Outlook Driven by Significant Loan Repricing Opportunities. Management projects future net interest income and margin to continue expanding, supported by substantial loan repricing opportunities. Approximately $700 million of fixed-rate loans at 6.0% are expected to roll off in fiscal Q4 2026, followed by an additional $2.2 billion at 6.0% in 2027, with reinvestment anticipated to improve yields by around 100 basis points. An expected non-recurring pre-tax gain of approximately $27 million from a pension plan termination in fiscal Q4 2026 also contributes to a favorable outlook.

4. Favorable Macroeconomic Environment for Regional Banks. The broader regional banking sector experienced positive trends during this period. Through July 29, 2026, the S&P Regional Bank ETF returned 18.9% year-to-date, outperforming the S&P 500. This performance was generally supported by net interest margin expansion across the sector, stable credit costs, and increased loan demand, which are key revenue drivers for regional banks.

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Stock Movement Drivers

Fundamental Drivers

The 18.5% change in CBC stock from 6/30/2026 to 10/29/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
(LTM values as of)630202610292026Change
Stock Price ($)30.2735.8618.5%
Change Contribution By: 
Total Revenues ($ Mil)��0.0%
Net Income Margin (%)��0.0%
P/E Multiple��0.0%
Shares Outstanding (Mil)220220-0.1%
Cumulative Contribution0.0%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2026 to 10/29/2026
ReturnCorrelation
CBC18.5% 
Market (SPY)3.0%9.7%
Sector (XLF)6.2%55.3%

Fundamental Drivers

The 50.9% change in CBC stock from 3/31/2026 to 10/29/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
(LTM values as of)331202610292026Change
Stock Price ($)23.7635.8650.9%
Change Contribution By: 
Total Revenues ($ Mil)1,021�0.0%
Net Income Margin (%)38.3%�0.0%
P/E Multiple10.6�0.0%
Shares Outstanding (Mil)174220-20.9%
Cumulative Contribution0.0%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 10/29/2026
ReturnCorrelation
CBC50.9% 
Market (SPY)18.6%10.8%
Sector (XLF)15.7%48.1%

Fundamental Drivers

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Market Drivers

9/30/2025 to 10/29/2026
ReturnCorrelation
CBC91.0% 
Market (SPY)16.4%9.6%
Sector (XLF)7.0%25.4%

Fundamental Drivers

null
null

Market Drivers

9/30/2023 to 10/29/2026
ReturnCorrelation
CBC191.7% 
Market (SPY)86.2%5.4%
Sector (XLF)79.2%12.9%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CBC Return9%14%10%-3%93%48%279%
Peers Return29%8%17%7%2%27%125%
S&P 500 Return27%-19%24%23%16%13%106%

Monthly Win Rates [3]
CBC Win Rate33%58%42%50%75%60% 
Peers Win Rate58%60%48%48%56%59% 
S&P 500 Win Rate75%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 10/29/2026 (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.

AI Analysis | Feedback

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.

AI Analysis | Feedback

Central Bancompany (symbol: CBC) primarily serves a diverse range of customers, rather than specific large corporate entities. Based on the provided description, the company's major customer categories are:
  • 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.

AI Analysis | Feedback

Central Bancompany (CBC) faces several key risks inherent in the banking industry, which are implicitly or explicitly acknowledged through the company's descriptions of its strategies and historical performance. Here are the key risks to Central Bancompany's business:
  1. 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.
  2. 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.
  3. 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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Central Bancompany (symbol: CBC) operates in various markets across Missouri, Kansas, Oklahoma, Colorado, and Florida, offering consumer, commercial, and wealth management products and services. While the provided information does not offer comprehensive market sizes for all products or services across all regions, it does allow for the calculation of addressable deposit market sizes for several of its primary operating regions. The addressable market sizes for deposits in Central Bancompany's primary markets, based on their reported deposit share and total deposits as of September 30, 2025, are as follows:
  • 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%).
The provided information indicates a 0% deposit market share for Oklahoma and Colorado, which prevents the calculation of their total addressable deposit markets from the given data. Information to size the markets for wealth management products or services, or for the overall loan market, in their operating regions is not explicitly provided.

AI Analysis | Feedback

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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

CBC has outperformed 99% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that CBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
97%
of 284 industry peers · 78.5% return
3Y
96%
of 274 industry peers · 196.0% return
5Y
99%
of 262 industry peers · 253.0% return
No Regional Banks peer with a comparable growth profile has beaten CBC by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CBC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 35.1%73.8%124.0% SPNT 176% · RNR 148% · RGA 147%
Investment Banking & Brokerage 13 -5.4%109.9%94.8% IBKR 374% · SNEX 168% · HOOD 162%
Diversified Banks 12 33.7%158.8%94.6% CM 147% · RY 135% · JPM 129%
Life & Health Insurance 20 18.9%55.1%84.4% JXN 537% · UNM 311% · MFC 194%
Property & Casualty Insurance 42 20.3%73.6%64.6% TRV 172% · PGR 171% · ACGL 161%
Multi-line Insurance 9 8.5%69.5%64.0% GNW 120% · L 103% · AIZ 97%
Multi-Sector Holdings 3 3.2%60.6%55.7% BRK-B 89% · VOYA 56% · JEF 40%
Regional Banks ← 263 33.8%101.6%54.6% CBC 253% · FCNCA 198% · NIC 150%
Financial Exchanges & Data 15 15.2%43.9%25.8% VIRT 160% · CBOE 154% · CME 66%
Insurance Brokers 15 2.3%10.2%18.0% LIFE 408% · ARX 89% · AJG 68%
Asset Management & Custody Banks 86 -8.0%23.9%8.9% WT 263% · VCTR 251% · AAMI 208%
Consumer Finance 30 11.0%82.5%8.5% ENVA 458% · FCFS 126% · AXP 98%
Diversified Financial Services 4 1.3%23.5%4.3% FRHC 175% · EQH 85%
Commercial & Residential Mortgage Finance 14 -51.1%28.8%-0.4% FNMA 422% · FMCC 367% · ACT 162%
Specialized Finance 3 25.4%45.0%-3.7% CACC -4% · HASI -20%
Mortgage REITs 34 -19.6%-2.4%-34.6% RITM 37% · DX 21% · AGNC 11%
Transaction & Payment Processing Services 17 8.1%12.8%-37.0% V 101% · MA 95% · CPAY 61%
Diversified Capital Markets 20 -50.2%16.0%-60.3% LPLA 74% · TW 36% · RIOT -50%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

CBCNEWTATLOCLBKGCBCMBBCMedian
NameCentral .NewtekOneAmes Nat.Columbia.Greene C.Marathon. 
Mkt Price35.8711.0533.7910.6335.67-33.79
Mkt Cap8.60.30.31.10.6-0.6
Rev LTM1,0842777327793-277
Op Inc LTM-------
FCF LTM475-740216942-42
FCF 3Y Avg--373173631-24
CFO LTM502-739227842-42
CFO 3Y Avg--373194532-25

Growth & Margins

CBCNEWTATLOCLBKGCBCMBBCMedian
NameCentral .NewtekOneAmes Nat.Columbia.Greene C.Marathon. 
Rev Chg LTM-7.8%21.3%38.7%22.9%-22.1%
Rev Chg 3Y Avg-26.8%8.1%3.4%9.1%-8.6%
Rev Chg Q15.2%7.0%18.5%15.5%22.0%-15.5%
QoQ Delta Rev Chg LTM3.6%1.7%4.3%3.7%5.1%-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 LTM46.3%-267.4%30.3%28.3%45.7%-30.3%
CFO/Rev 3Y Avg--138.6%30.2%18.4%40.4%-24.3%
FCF/Rev LTM43.8%-267.5%28.9%24.8%44.9%-28.9%
FCF/Rev 3Y Avg--138.7%27.9%14.5%39.1%-21.2%

Valuation

CBCNEWTATLOCLBKGCBCMBBCMedian
NameCentral .NewtekOneAmes Nat.Columbia.Greene C.Marathon. 
Mkt Cap8.60.30.31.10.6-0.6
P/S7.91.14.13.96.6-4.1
P/Op Inc-------
P/EBIT-------
P/E20.04.813.018.514.8-14.8
P/CFO17.1-0.413.613.714.4-13.7
Total Yield6.2%30.6%10.3%5.3%7.4%-7.4%
Dividend Yield1.2%9.7%2.6%0.0%0.7%-1.2%
FCF Yield 3Y Avg--103.1%8.5%-6.3%-6.3%
D/E0.01.80.11.10.3-0.3
Net D/E-0.90.6-1.6-0.7-0.6--0.7

Returns

CBCNEWTATLOCLBKGCBCMBBCMedian
NameCentral .NewtekOneAmes Nat.Columbia.Greene C.Marathon. 
1M Rtn13.3%-1.5%6.8%-2.3%6.0%-6.0%
3M Rtn9.7%-23.2%12.0%-2.5%7.0%-7.0%
6M Rtn33.8%-12.2%21.8%-3.6%49.4%-21.8%
12M Rtn78.5%11.5%68.4%-3.6%66.2%-66.2%
3Y Rtn196.1%-8.1%126.4%-3.6%56.7%-56.7%
1M Excs Rtn13.6%-1.9%6.5%-5.1%5.3%-5.3%
3M Excs Rtn6.4%-27.6%7.9%-4.6%3.6%-3.6%
6M Excs Rtn26.4%-19.6%14.4%-11.0%42.0%-14.4%
12M Excs Rtn63.2%-3.8%51.1%-15.9%48.4%-48.4%
3Y Excs Rtn113.7%-86.2%73.4%-85.2%-20.0%--20.0%

Comparison Analyses

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FDA Approved Drugs Data

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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, USPcarbon dioxidegas81020240.0%6.4%53.0%179.0%204.0%
NDA208835  MEDICAL AIR, USPmedical airgas122520151.4%1.4%1.4%17.8%491.0%
ANDA204539  AMMONIA N 13ammonia n-13injectable62320154.9%11.0%12.5%17.7%556.0%
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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, USPcarbon dioxidegas81020240.0%6.4%53.0%179.0%204.0%
NDA208835  MEDICAL AIR, USPmedical airgas122520151.4%1.4%1.4%17.8%491.0%
ANDA204539  AMMONIA N 13ammonia n-13injectable62320154.9%11.0%12.5%17.7%556.0%

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Commercial479446   
Consumer426402   
Wealth Management7769   
Corp / Other39-19   
Single segment  840750732
Total1,021898840750732


Net Income by Segment
$ Mil20252024
Commercial243227
Consumer136112
Wealth Management1917
Corp / Other-7-50
Total391306


Assets by Segment
$ Mil20252024
Corp / Other8,7047,110
Commercial8,5318,573
Consumer3,4983,535
Wealth Management1925
Total20,75219,243


Price Behavior

Price Behavior
Market Price$35.86 
Market Cap ($ Bil)8.6 
First Trading Date02/21/2012 
Distance from 52W High0.0% 
   50 Days200 Days
DMA Price$32.55$28.48
DMA Trendupup
Distance from DMA10.2%25.9%
 3M1YR
Volatility21.7%26.8%
Downside Capture31.7213.05
Upside Capture67.7876.77
Correlation (S&P 500)10.5%13.1%
CBC Betas & Captures as of 9/30/2026

 1M2M3M6M1Y3Y
Beta0.970.550.400.290.270.10
Up Beta-1.310.720.450.330.17-0.07
Down Beta1.80-0.00-0.23-0.39-0.260.02
Up Capture97%36%54%65%70%14%
Bmk +ve Days6162766132424
Stock +ve Days9193370129195
Down Capture148%91%46%19%25%20%
Bmk -ve Days16263760120328
Stock -ve Days13233156114170

[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
CBC75.9%26.8%2.07-
Sector ETF (XLF)8.8%14.5%0.3534.0%
Equity (SPY)13.0%12.7%0.6712.4%
Gold (GLD)1.2%28.4%0.031.9%
Commodities (DBC)49.5%20.6%1.83-17.2%
Real Estate (VNQ)7.2%14.0%0.2526.8%
Bitcoin (BTCUSD)-29.5%43.4%-0.6911.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CBC
CBC21.0%33.4%2.13-
Sector ETF (XLF)9.1%18.3%0.3626.0%
Equity (SPY)12.6%17.1%0.5512.9%
Gold (GLD)17.2%18.9%0.73-0.4%
Commodities (DBC)9.4%19.5%0.36-11.5%
Real Estate (VNQ)1.0%18.9%-0.0612.7%
Bitcoin (BTCUSD)5.1%51.6%0.28-0.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CBC
CBC10.7%33.8%2.19-
Sector ETF (XLF)13.2%22.1%0.5423.6%
Equity (SPY)15.4%17.9%0.7313.0%
Gold (GLD)11.8%16.4%0.58-0.8%
Commodities (DBC)8.1%18.1%0.36-11.9%
Real Estate (VNQ)5.2%20.7%0.2112.4%
Bitcoin (BTCUSD)62.3%66.2%1.020.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity8.8 Mil
Short Interest: % Change Since 9302026-3.0%
Average Daily Volume0.7 Mil
Days-to-Cover Short Interest12.4 days
Basic Shares Quantity239.3 Mil
Short % of Basic Shares3.7%

Earnings Returns History

Updated 10/30/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/2026-0.3%  
8/4/20260.6%-0.3%-4.5%
4/28/2026-2.0%2.3%8.2%
1/27/2026-0.3%1.3%-0.7%
SUMMARY STATS   
# Positive121
# Negative312
Median Positive0.6%1.8%8.2%
Median Negative-0.3%-0.3%-2.6%
Max Positive0.6%2.3%8.2%
Max Negative-2.0%-0.3%-4.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/2026-0.3%  
8/4/20260.6%-0.3%-4.5%
4/28/2026-2.0%2.3%8.2%
1/27/2026-0.3%1.3%-0.7%
SUMMARY STATS   
# Positive121
# Negative312
Median Positive0.6%1.8%8.2%
Median Negative-0.3%-0.3%-2.6%
Max Positive0.6%2.3%8.2%
Max Negative-2.0%-0.3%-4.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202605/15/202610-Q
12/31/202503/25/202610-K
09/30/202511/21/2025Annual
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202605/15/202610-Q
12/31/202503/25/202610-K
09/30/202511/21/2025Annual

Insider Activity

Updated 4/26/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Ross, John ThomasPresident, CEODirectBuy209202624.5040,000979,8802,008,754Form
2Schoeneberg, Carey DeniseSVP & Chief Risk OfficerDirectBuy1125202521.001,00021,00043,050Form
3Schoeneberg, Carey DeniseSVP & Chief Risk OfficerChildBuy1125202521.001002,1002,100Form
4Kruse, Charles EDirectBuy1125202521.002,50052,50052,500Form
5Westhues, Daniel HaroldSEVP & Chief Customer OfficerDirectBuy1125202521.004,20088,2001,995,000Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Ross, John ThomasPresident, CEODirectBuy209202624.5040,000979,8802,008,754Form
2Schoeneberg, Carey DeniseSVP & Chief Risk OfficerDirectBuy1125202521.001,00021,00043,050Form
3Schoeneberg, Carey DeniseSVP & Chief Risk OfficerChildBuy1125202521.001002,1002,100Form
4Kruse, Charles EDirectBuy1125202521.002,50052,50052,500Form
5Westhues, Daniel HaroldSEVP & Chief Customer OfficerDirectBuy1125202521.004,20088,2001,995,000Form
6Thompson, Tristan AntinSee Remarks.DirectBuy1125202521.0048010,08010,080Form
7Sprong, Bradley NixonDirectBuy1125202521.004,50094,50094,500Form
8Ross, John ThomasPresident, CEODirectBuy1125202521.0042,000882,000882,000Form
9Robuck, Robert MarionDirectBuy1125202521.0047,619999,999999,999Form
10Robertson, Edward Deroy JRDirectBuy1125202521.004,55095,55095,550Form
11McClure, Richard HaysDirectBuy1125202521.0011,200235,200235,200Form
12Kellett, Scott McKinneyEVP of Wealth ManagementDirectBuy1125202521.001,00021,000582,750Form
13Hermann, Robert Ringen JRDirectBuy1125202521.0047,619999,999999,999Form
14Hallgren, Eric AndrewEVP & Chief Credit OfficerDirectBuy1125202521.002,50052,50052,500Form
15Goldammer, Russell LeeEVP & CIODirectBuy1125202521.002,00042,00098,700Form
16Cook, Sam BryanExecutive ChairmanDirectBuy1125202521.0038,619810,999810,999Form
17Cook, Sam BryanExecutive ChairmanSpouseBuy1125202521.009,000189,000189,000Form
18Digges, Charles William JRDirectBuy1125202521.005,000105,000105,000Form
19Colbert, Jeremy WayneSee Remarks.DirectBuy1125202521.002,20046,20046,200Form
20Ciroli, JamesEVP & CFODirectBuy1125202521.0017,000357,000357,000Form

Investor Activity (13F)

Updated Oct 30, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active 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 ManagerValue% of PortfolioTotal PositionsQoQFiling
Azora Capital LP$14.0 Mil0.9%45Hold13F
Madison Avenue Partners, LP$10.7 Mil0.5%27TRIM -55.2%13F
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Madison Avenue Partners, LP$10.7 Mil0.5%27TRIM -55.2%13F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Azora Capital LP$14.0 Mil0.9%45Hold13F
Madison Avenue Partners, LP$10.7 Mil0.5%27TRIM -55.2%13F
Core Cache Last Updated: 10/29/2026