Central Bancompany, Inc. Class A (CBC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Central Bancompany, Inc. Class A stock $20.65, price $37.75, that is 45.3% below the price, quality 56 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Central Bancompany, Inc. Class A
CBC · USOur calculation puts a fair price 45% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $3.32 – $37.90 · fair‑value band $14.30 – $25.81 · the $37.75 price screens above the $20.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
Central Bancompany, Inc. operates as the bank holding company for The Central Trust Bank that provides consumer, commercial, and wealth management products and services. It operates through three segments: Consumer Banking, Commercial Banking, and Wealth Management.
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The Consumer Banking segment offers consumer loans and deposit products; residential mortgage, installment lending and other consumer loan financing options; and debit and credit card loan and fee businesses.
Its Commercial Banking segment provides business payment solutions including treasury management services; merchant and commercial bank card products; and banking solutions to businesses, agencies and community organizations including commercial, small business, and government.
The Wealth Management segment provides wealth management solutions, including investment management, fiduciary services, financial, estate, and tax planning services to individuals, businesses, and foundations.
It provides savings and checking, certificate of deposit, money market, time deposit, health savings, and interest-bearing and noninterest-bearing accounts.
The company also offers commercial real estate, construction and development, commercial, financial & agricultural, multi-family and one-to-four-family residential loans. In addition, it provides wealth and cash management services; merchant services; and debit and credit cards.
Further, the company offers mobile and online banking services. It operates through a network of banking offices in Missouri, Kansas, Oklahoma, and Colorado. Central Bancompany, Inc. was founded in 1902 and is headquartered in Jefferson City, Missouri.
Stock analysis
Central Bancompany, Inc. Class A (CBC) currently trades at $37.75, while our model-based Fair Value estimate is $20.65, 45% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $20.65 per share, and 0 of the 6 models we run sit above the $37.75 price.
Bear case: the Asset-Based group reads lowest at $9.61, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $14.30 (bear) to $25.81 (bull), the price of $37.75 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Central Bancompany, Inc. Class A Common Stock reported revenue of $1.2B in FY2025 versus $732M in FY2021, a compound +13.6%/yr. Reported net income was $391M in FY2025, compounding +12.2%/yr from FY2021.
Key figures
Market cap $9.0B Mid · P/E ratio 20.4 · P/S ratio 8.45 · EPS (TTM) $1.85 · Dividend yield 0.9% · Net margin 40.1% · Return on equity 12.2% · Return on assets 2.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 81% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −45%, CBC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- BuyJohn Thomas RossPresident, CEO, Director2× since Nov 21, 2025: 82,000 shares, avg. $22.71$1.9MFeb 6, 2026
- BuyJames CiroliEVP & CFO17,000 shares at $21.00$357,000Nov 21, 2025
- BuyJeremy Wayne ColbertOfficer2,200 shares at $21.00$46,200Nov 21, 2025
- BuyCharles William Digges Jr.Director5,000 shares at $21.00$105,000Nov 21, 2025
- BuySam Bryan CookExecutive Chairman, Director, 10% owner47,619 shares at $21.00$999,999Nov 21, 2025
- BuyRussell Lee GoldammerEVP & CIO2,000 shares at $21.00$42,000Nov 21, 2025
- BuyEric Andrew HallgrenEVP & Chief Credit Officer2,500 shares at $21.00$52,500Nov 21, 2025
- BuyRobert Ringen Hermann Jr.Director47,619 shares at $21.00$999,999Nov 21, 2025
- BuyScott McKinney KellettEVP of Wealth Management1,000 shares at $21.00$21,000Nov 21, 2025
- BuyRichard Hays McClureDirector11,200 shares at $21.00$235,200Nov 21, 2025
Plus 7 more entries from the last 12 months.
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CBC screens overvalued: fair value 45% below the price. Compare with China Merchants Bank Co →
Earlier news
- Central Bancompany, Inc. Announces Conference Call to Discuss Third Quarter 2026 Results
- Central Bancompany’s (CBC) Profits Climb As It Doubles Down On Buybacks
- CFG or CBC: Which Is the Better Value Stock Right Now?
- Central Bancompany (CBC) Q2 2026 Earnings Call
Compare Central Bancompany, Inc. Class A Common Stock with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CBC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CBC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CBC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CBC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CBC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CBC |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CBC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CBC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CBC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CBC |
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Frequently asked questions
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Key figures of Central Bancompany, Inc. Class A
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