Central Bancompany
Market Cap
US$2.7b
Last Updated
2020/06/06 03:02 UTC
Data Sources
Company Financials
Executive Summary
Central Bancompany, Inc. provides community banking products and services for individuals, businesses, corporates, and governments in Missouri, Kansas, Illinois, and Oklahoma.
Rewards
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.B | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | 13.8% | 3.8% |
| 30 Day | 0% | 22.2% | 11.4% |
| 90 Day | -8.5% | -1.2% | 6.8% |
| 1 Year | 0.6%-0.8% | -8.3%-11.4% | 12.1%9.7% |
| 3 Year | 45.4%40.0% | -0.3%-8.1% | 36.2%27.2% |
| 5 Year | 81.0%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
- Examine Central Bancompany's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Central Bancompany's filings and announcements here.
- Explore growth companies in the Banks industry.
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Board | no data | no data | no data | |
| President | no data | no data | no data | |
| Director | 21.42yrs | no data | no data | |
| Director | no data | no data | no data | |
| Director | 21.42yrs | no data | no data | |
| Director | 17.42yrs | no data | no data | |
| Director | no data | no data | no data | |
| Director | no data | no data | no data | |
| Director | 14.42yrs | no data | no data | |
| Director | no data | no data | no 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CBCY.B | OTCPK (Pink Sheets LLC) | Yes | Class B Non-Voting Common Stock | US | USD | Dec 2003 |
| CBCY | OTCPK (Pink Sheets LLC) | Class A Voting Common Stock | US | USD | May 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/06/06 03:02 |
| End of Day Share Price | 2020/06/05 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.