CBC · Central Bancompany, Inc.
Market Cap
$7.80B
Shares
239.51M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$32.46
Open$32.21
Day$31.97–32.68
Available close range$22.85–33.51
Avg vol 30d698K
Short int4.6M · 1.9% float · 5.7d
Short vol63%
Last earningsAug 4, 2026
DataNov 2025–Aug 2026
Filing10-Q · Aug 14
The closing range uses available history since Nov 21, 2025; less than a full year is stored.
Up next
Next earnings call
Nov 7, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 14, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 50-day avg
+3%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
90%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+35%
trailing
YTD return
+35%
this year
Relative strength
+20%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50/200-day averages unavailable
Institutional flow
Accumulating
+40% holders QoQ · +56 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.91% of float · ▼ -3.4% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
143 holders — near 1-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+26%
Y/Y
Free cash flow
$231.4M
Buyback
$100.0M
authorized
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−7%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 50-day avg
+3%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50/200-day averages unavailable
Institutional flow
Accumulating
+40% holders QoQ · +56 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.91% of float · ▼ -3.4% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
143 holders — near 1-yr high, broad support
Price context
position in its available closing range
Range low $23
Now $32 · 90%
Range high $34
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted noninterest income non-GAAP | $68.94M | Three Months Ended June 30, 2026 filing | — |
| Adjusted total revenue (non-GAAP) non-GAAP | $281.72M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total revenue $282.34M
+$0K Less: Loss on sale of consumer lease portfolio
+$616K Less: Investment securities gains, net
= Adjusted total revenue (non-GAAP) $281.72M
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| Cost of deposits, including noninterest bearing demand deposits | 1.1% | Three Months Ended June 30, 2026 filing | — |
| Cost of funds, including noninterest bearing demand deposits | 1.17% | Three Months Ended June 30, 2026 filing | — |
| Net FTE interest income non-GAAP | $214.36M | Three Months Ended June 30, 2026 filing | — |
| Tangible noninterest expense (non-GAAP) non-GAAP | $130.55M | Three Months Ended June 30, 2026 filing | — |
| ACL / Loans HFI | 1.29% | Q2'26 | — |
| Adjusted earnings per share non-GAAP | $0.47 | Q2 FY2026 | — |
| Adjusted fee income ratio non-GAAP | 24.5% | Q2'26 | — |
| Adjusted Net Income non-GAAP | $113.3M | Q2'26 | — |
GAAP → non-GAAP reconciliationGAAP Net income 113.77M
-469K Investment securities gains, net of taxes
+0K (Loss) on sale of consumer lease portfolio, net of taxes
= Adjusted net income 113.3M
|
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| Adjusted net income per common share - diluted non-GAAP | $0.93 | YTD FY26 | — |
| Adjusted return on average common equity non-GAAP | 11.8% | YTD FY26 | — |
| Adjusted return on average tangible common equity non-GAAP | 13.1% | Q2 FY2026 | — |
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| Adjusted return on average total assets non-GAAP | 2.23% | Q2 FY26 | — |
| Adjusted total revenue (FTE) non-GAAP | 283.3M | Q2 FY2026 | — |
GAAP → non-GAAP reconciliationGAAP Total revenue 282.34M
+0K Loss on sale of consumer lease portfolio
-616K Investment securities gains, net
+1.58M Tax equivalent adjustment
= Adjusted total revenue (FTE) (non-GAAP) 283.3M
|
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| Allowance for credit losses (percent of loans held for investment) | 1.29% | second quarter 2026 | — |
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| Allowance for Credit Losses on LHFI | $150.4M | Q2'26 | — |
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| Assets under advice | 17.3B | second quarter 2026 | — |
| Average earning assets | 19.4B | second quarter 2026 | — |
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| Average earning assets growth | 5.7% | Q2'26 | — |
| Average share repurchase price | $27.13 | Q2'26 | — |
| Average total deposits | 15.4B | second quarter 2026 | — |
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| Average total loans held for investment | 11.6B | second quarter 2026 | — |
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| Bank CET1 ratio | 12.7% | second quarter 2026 | — |
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| Book value per share | $16.14 | second quarter 2026 | — |
| Cash + Securities / Total Assets | 38.6% | Q2'26 | — |
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| CET1 ratio | 28.6% | second quarter 2026 | — |
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| Commercial Net Charge-Offs | $2.7M | Q2'26 | — |
| Core adjusted return on tangible common equity non-GAAP | 25.1% | Q2 FY2026 | — |
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| Core earnings per share non-GAAP | $0.42 | Q2 FY2026 | — |
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GAAP → non-GAAP reconciliationGAAP Adjusted earnings per share $0.47
-$0.05 Less: Excess earnings per share
= Core earnings per share $0.42
|
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| Core tangible book value per share non-GAAP | $6.7 | second quarter 2026 | — |
GAAP → non-GAAP reconciliationGAAP Tangible book value per share $14.68
-$7.98 Less: Excess tangible book value per share
= Core tangible book value per share $6.7
|
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| Delinquent Commercial Loans | $16.7M | Q2'26 | — |
| Delinquent Consumer Loans | $8.6M | Q2'26 | — |
| Delinquent loans | 25.3M | Q2 FY2026 | — |
| Delinquent Loans / Loans HFI | 0.22% | Q2'26 | — |
|
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| Efficiency ratio | 46.5% | second quarter 2026 | — |
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| Efficiency ratio (FTE) non-GAAP | 46.1% | second quarter 2026 | — |
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| End of period deposits | $15.4B | Q2'26 | — |
| End of period loans | $11.7B | Q2'26 | — |
| Excess capital per share | $7.98 | Q2'26 | — |
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| Excess common equity tier 1 capital non-GAAP | 1.91B | Q2 FY2026 | — |
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| Excess earnings per share non-GAAP | $0.05 | Q2 FY2026 | — |
| Excess tangible book value per share non-GAAP | $7.98 | Q2 FY2026 | — |
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| Fee income ratio | 25% | second quarter 2026 | — |
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| Full-time equivalent employees | 2,971 | Q2 FY2026 | — |
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| Loan yield non-GAAP | 6.24% | Q2'26 | — |
| Loans to Deposits | 76.1% | Q2'26 | — |
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| Net charge-offs | 3M | Q2 FY2026 | — |
| Net Charge-Offs / Average Loans | 0.1% | Q2'26 | — |
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| Net interest income (FTE) (non-GAAP) non-GAAP | 214.36M | Q2 FY26 | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 212.78M
+1.58M Tax-equivalent adjustment
= Net interest income (FTE) (non-GAAP) 214.36M
|
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| Net interest margin | 4.4% | second quarter 2026 | — |
| Net interest margin (FTE) (non-GAAP) non-GAAP | 4.43% | Q2 FY26 | — |
| Nonperforming assets | 60.2M | Q2 FY2026 | — |
| Nonperforming Commercial Loans | $28.4M | Q2'26 | — |
| Number of full service offices | 159 | Q2 FY2026 | — |
| Other NPAs | $28.5M | Q2'26 | — |
| ROAA | 2.24% | second quarter 2026 | — |
| ROTCE on Excess Capital non-GAAP | 2.8% | Q2 FY2026 | — |
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| Tangible book value per share non-GAAP | $14.68 | second quarter 2026 | — |
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| Tangible common equity non-GAAP | 3.52B | Q2 FY2026 | — |
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GAAP → non-GAAP reconciliationGAAP Total stockholders' equity 3.87B
-350.06M Goodwill and other intangible assets
= Tangible common equity (non-GAAP) 3.52B
|
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| Tangible common equity to tangible assets non-GAAP | 17.6% | Q2 FY2026 | — |
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| Tangible common equity to tangible assets (non-GAAP) non-GAAP | 17.6% | Q2 FY26 | — |
| Total excess capital | $1.9B | Q2'26 | — |
| Total loans | 11.7B | second quarter 2026 | — |
| Bank Leverage Ratio | 7.9% | Q1'26 | — |
| Bank Tier 1 Capital Ratio | 12.9% | Q1'26 | — |
| Bank Total Capital Ratio | 14.1% | Q1'26 | — |
| Core TBVPS non-GAAP | $6.58 | Q1'26 | — |
| Cost of deposits | 1.13% | Q1 FY26 | — |
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| End of period loans held for investment | 11.5B | Q1'26 | — |
| EOP Cash + Securities to total assets | 40% | Q1 FY26 | — |
| EOP deposits | 15.5B | Q1 FY26 | — |
| EOP loans | 11.5B | Q1 FY26 | — |
| Excess capital | $1.9B | Q1'26 | — |
| FTE loan yield non-GAAP | 6.24% | Q1 FY26 | — |
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| GAAP net interest margin ("NIM") | 4.32% | the first quarter of 2026 | — |
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| Leverage Ratio | 17.4% | Q1'26 | — |
| NPAs / Total Assets | 0.27% | Q1'26 | — |
| Return on average assets ("ROAA") | 2.2% | Q1 FY2026 | — |
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| Tangible assets non-GAAP | $20.11B | Q1 FY26 | — |
| Tangible noninterest expense non-GAAP | $125.81M | Q1 FY26 | — |
| Target common equity tier 1 capital non-GAAP | $1.67B | Q1 FY26 | — |
| Target common equity tier 1 ratio | 13.5% | Q1 FY26 | — |
| Tier 1 Capital Ratio | 28.6% | Q1'26 | — |
| Total Capital Ratio | 29.9% | Q1'26 | — |
| Uninsured & uncollateralized deposits (excluding intercompany accounts) as % of EOP total deposi | 21.5% | Q1'26 | — |
| Adjusted efficiency ratio non-GAAP | 47.9% | Full Year 2025 | — |
| Adjusted ROAA non-GAAP | 2.09% | Full Year 2025 | — |
| End-of-period total loans held for investment | 11.4B | Q4 2025 | — |
| FTE net interest margin non-GAAP | 4.41% | Q4 2025 | — |
| Retail net promoter score | 74 | Full Year 2025 | — |
| Wealth net promoter score | 83 | Full Year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CBC
this stock
Central Bancompany, Inc.
|
$7.80B | +34.6% | — | — | 1.9% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.2% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CBC | +1.2% | -1.1% | +34.9% | -1.0% | +34.6% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | +0.0% | -5.1% | +20.2% | -4.3% | +21.5% |
Capital returns
Latest dividend
$0.12
/ share · ex Aug 21, 2026
Paid (TTM)
$0.36
/ share · 3 payouts
Dividend yield (TTM, derived)
1.11%
Buyback program
· as of Aug 3, 2026
Authorized
$100.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
2065601
CUSIP
152413100
13F (30d)
126 filings
126 filers
Visit website
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