OTCPK:CBCY

Stock Analysis Report

Executive Summary

Central Bancompany, Inc., a multi-bank holding company, provides community banking products and services for individuals, businesses, corporates, governments, and non-profit customers in Missouri, Kansas, Illinois, and Oklahoma.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Central Bancompany is not covered by any analysts.

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


Market Performance


7 Day Return

0%

OTCPK:CBCY

-2.6%

US Banks

-1.0%

US Market


1 Year Return

n/a

OTCPK:CBCY

-14.2%

US Banks

-0.4%

US Market

No trading data on CBCY.

No trading data on CBCY.


Share holder returns

CBCYIndustryMarket
7 Day0%-2.6%-1.0%
30 Day0%-5.5%-3.3%
90 Dayn/a-3.5%0.4%
1 Yearn/a-11.8%-14.2%1.8%-0.4%
3 Yearn/a42.2%32.4%39.4%30.4%
5 Year103.3%94.0%53.3%36.7%54.2%37.1%

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 based on future cash flows and its price relative to the stock market?

14.95x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Central Bancompany's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Central Bancompany's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Central Bancompany is overvalued based on earnings compared to the US Banks industry average.

Central Bancompany is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Central Bancompany, we can't assess if its growth is good value.


Price Based on Value of Assets

Central Bancompany is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

7.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Central Bancompany is high growth as no revenue estimate data is available.

Central Bancompany's earnings are expected to grow by 7.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare Central Bancompany's revenue growth to the United States of America market average as no estimate data is available.

Central Bancompany's earnings growth is positive but not above the United States of America market average.

Central Bancompany's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Central Bancompany will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Central Bancompany performed over the past 5 years?

29.6%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Central Bancompany's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Central Bancompany's 1-year earnings growth to the 5-year average due to insufficient past data.

Central Bancompany's earnings growth has not exceeded the US Banks industry average in the past year (29.6% vs 33.2%).


Return on Equity

Central Bancompany has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Central Bancompany used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Central Bancompany improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Central Bancompany has an acceptable proportion of non-loan assets held.

Central Bancompany has a sufficient allowance for bad loans.

Central Bancompany's liabilities are made up of primarily low risk sources of funding.

Central Bancompany's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Central Bancompany are broadly funded by customer deposits.

Central Bancompany has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

1.17%

Current Dividend Yield


Dividend Yield and Payments Analysis

Central Bancompany's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Central Bancompany's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

It is too early to tell whether Central Bancompany has stable dividend payments.

Central Bancompany only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.7x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Central Bancompany's salary, the management and board of directors tenure and is there insider trading?

18.6yrs

Average board tenure


CEO

Ken Littlefield

Mr. Kenneth W. Littlefield, also known as Ken, serves as the Vice Chairman, President, Chief Executive Officer and Chief Administrative Officer at Central Bancompany, Inc. and served as its Executive Vice  ...


Board Age and Tenure

18.6yrs

Average Tenure

The average tenure for the Central Bancompany board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Donald Perdue

    Senior Executive Vice President of Investments

  • Bob Robuck

    Chairman of the Board

  • Brad Wastler

    Senior Vice President of Central Investment Advisors

  • Ronald Medin

    Executive VP

  • Ken Littlefield

    Vice Chairman

  • Steve Erdel

    Vice Chairman & COO

    • Tenure: 3.6yrs
  • John Gamble

    Senior VP & CFO

  • Shannon Thomason

    Senior Vice President of Compliance

  • David Roehl

    Senior VP & Chief Investment Officer

  • Russell Goldammer (62yo)

    Executive VP & Chief Information Officer


Board Members

  • Bob Robuck

    Chairman of the Board

  • Michael Farmer

    Director

    • Tenure: 13.6yrs
  • Richard McClure

    Director

    • Tenure: 16.6yrs
  • Charlie Digges

    Director

  • Thomas Vetter

    Director

  • Charles Kruse (74yo)

    Director

    • Tenure: 20.6yrs
  • Mike Miller

    Director

  • Chip Robertson

    Director

  • E. Kroenke

    Director

  • Bob Hermann (65yo)

    Director

    • Tenure: 20.6yrs

Company Information

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


Key Information

  • Name: Central Bancompany, Inc.
  • Ticker: CBCY
  • Exchange: OTCPK
  • Founded: 1902
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$2.732b
  • Shares outstanding: 4.43m
  • Website: Click here

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., a multi-bank holding company, provides community banking products and services for individuals, businesses, corporates, governments, and non-profit customers in Missouri, Kansas,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:53
End of Day Share Price2019/07/22 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.