OTCPK:CBCY.B

Stock Analysis Report

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Executive Summary

Central Bancompany, Inc. provides community banking products and services for individuals, businesses, corporates, and governments in Missouri, Kansas, Illinois, and Oklahoma.

Rewards

PE ratio (12.6x) is below the US market (16.4x)

Earnings grew by 18.1% over the past year

Risk Analysis

No risks detected for CBCY.B from our risk checks.


Snowflake Analysis

Flawless balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has Central Bancompany's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CBCY.B has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

CBCY.B

13.8%

US Banks

3.8%

US Market


1 Year Return

-0.8%

CBCY.B

-11.4%

US Banks

9.7%

US Market

Return vs Industry: CBCY.B exceeded the US Banks industry which returned -15.5% over the past year.

Return vs Market: CBCY.B underperformed the US Market which returned 8.9% over the past year.


Shareholder returns

CBCY.BIndustryMarket
7 Day0%13.8%3.8%
30 Day0%22.2%11.4%
90 Day-8.5%-1.2%6.8%
1 Year0.6%-0.8%-8.3%-11.4%12.1%9.7%
3 Year45.4%40.0%-0.3%-8.1%36.2%27.2%
5 Year81.0%70.0%25.7%10.7%63.7%45.4%

Price Volatility Vs. Market

How volatile is Central Bancompany's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Central Bancompany undervalued compared to its fair value and its price relative to the market?

12.56x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: CBCY.B ($595) is trading above our estimate of fair value ($556.33)

Significantly Below Fair Value: CBCY.B is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CBCY.B is poor value based on its PE Ratio (12.6x) compared to the Banks industry average (9.8x).

PE vs Market: CBCY.B is good value based on its PE Ratio (12.6x) compared to the US market (16.4x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CBCY.B's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CBCY.B is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

How is Central Bancompany forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.4%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Central Bancompany has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Central Bancompany performed over the past 5 years?

18.1%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: CBCY.B has high quality earnings.

Growing Profit Margin: CBCY.B's current net profit margins (32.7%) are higher than last year (31.4%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if CBCY.B's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare CBCY.B's past year earnings growth to its 5-year average.

Earnings vs Industry: CBCY.B earnings growth over the past year (18.1%) exceeded the Banks industry 2.8%.


Return on Equity

High ROE: CBCY.B's Return on Equity (9.9%) is considered low.


Next Steps

Financial Health

How is Central Bancompany's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CBCY.B's Assets to Equity ratio (7x) is low.

Allowance for Bad Loans: CBCY.B has a sufficient allowance for bad loans (257%).

Low Risk Liabilities: 90% of CBCY.B's liabilities are made up of primarily low risk sources of funding.

Loan Level: CBCY.B has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: CBCY.B's Loans to Deposits ratio (81%) is appropriate.

Level of Bad Loans: CBCY.B has an appropriate level of bad loans (0.5%).


Next Steps

Dividend

What is Central Bancompany's current dividend yield, its reliability and sustainability?

1.43%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CBCY.B's dividend (1.43%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: CBCY.B's dividend (1.43%) is low compared to the top 25% of dividend payers in the US market (4.32%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CBCY.B has been paying a dividend for less than 10 years.

Growing Dividend: CBCY.B's dividend payments have increased, but the company has only paid a dividend for 2 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (17.9%), CBCY.B's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

19.4yrs

Average board tenure


CEO

Sam Cook

no data

Tenure

Mr. Sam Bryan Cook serves as Director of Central Trust Bank. He served as Chief Executive Officer and President of Central Trust Bank. Mr. Cook serves as Chief Executive Officer of Central Bancompany, Inc. ...


Board Members

NamePositionTenureCompensationOwnership
Robert Robuck
Chairman of the Boardno datano datano data
Sam Cook
Presidentno datano datano data
Robert Hermann
Director21.42yrsno datano data
E. Kroenke
Directorno datano datano data
Charles Kruse
Director21.42yrsno datano data
Richard McClure
Director17.42yrsno datano data
Thomas Vetter
Directorno datano datano data
Edward Robertson
Directorno datano datano data
Michael Farmer
Director14.42yrsno datano data
Charles Digges
Directorno datano datano data

19.4yrs

Average Tenure

Experienced Board: CBCY.B's board of directors are seasoned and experienced ( 19.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Central Bancompany, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Central Bancompany, Inc.
  • Ticker: CBCY.B
  • Exchange: OTCPK
  • Founded: 1902
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$2.723b
  • Shares outstanding: 4.43m
  • Website: https://www.centralbank.net

Number of Employees


Location

  • Central Bancompany, Inc.
  • 238 Madison Street
  • Jefferson City
  • Missouri
  • 65101
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBCY.BOTCPK (Pink Sheets LLC)YesClass B Non-Voting Common StockUSUSDDec 2003
CBCYOTCPK (Pink Sheets LLC)Class A Voting Common StockUSUSDMay 2005

Biography

Central Bancompany, Inc. provides community banking products and services for individuals, businesses, corporates, and governments in Missouri, Kansas, Illinois, and Oklahoma. The company offers checking and savings accounts; and home, home equity, personal, mortgage, student, and business, loans; and equipment lease and municipal finance, business expansion and working capital loans, and lines of credit. It also provides annuities and life insurance, brokerage, trust, and retirement services; payroll, IRA, and cash management services; and investment advisory, capital market, custody, bond accounting, and trust services. In addition, the company offers commercial payment, merchant, financing, and wealth management services; credit cards; and online and mobile banking services. The company was founded in 1902 and is headquartered in Jefferson City, Missouri. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/06/06 03:02
End of Day Share Price2020/06/05 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.