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← CockpitCompetitor Analysis › CBC Central Bancompany, Inc.Open in the cockpit ↗

Central Bancompany, Inc.CBCCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks

Family-controlled Missouri bank holding company (Central Trust Bank) offering retail, commercial, wealth and insurance banking; IPO'd on Nasdaq in late 2025.

Momentum leader 91
Mkt cap
$9.04B
US dollars, full cap
Free float
13%
of shares outstanding
$/day
$35.0M
20-day average traded
P/B
2.35×
price to book
ROE
12.6%
delivered
Implied ROE
10.9%
what the price asks
Next earnings
88 days
2 Feb 2027
Close · USD$37.75
1D+0.9%
1W+5.1%
1M+16.6%
3M+14.3%
6M+38.4%
YTD+56.5%
1Yn/a
ATR %2.4%
Beta0.38
52w lowhigh2.6% off high

What Central Bancompany does

Family-controlled Missouri bank holding company (Central Trust Bank) offering retail, commercial, wealth and insurance banking; IPO'd on Nasdaq in late 2025.

Earns mainly on loans and securities funded by low-cost deposits from a wide branch network across Missouri and neighbouring states, with trust, wealth and insurance fees adding to it. The controlling family has built the network over decades by buying smaller banks.

Products and services

  • Retail/commercial banking
  • Wealth management
  • Insurance services

Customers

  • Consumers and businesses across Missouri, Kansas,

Where it sits in the supply chain

  • Financials
  • Banks
  • Regional bank holding company

What could go right

  • Multi-state deposit franchise scale
  • Newly public currency for further M&A

What could go wrong

  • Net interest margin sensitivity to rates
  • Family/insider concentrated ownership post-IPO

Moat: narrow (scale, brand, distribution). Century-old family-controlled franchise with a large multi-state branch network built through steady acquisitions.

Headquarters: Jefferson City, Missouri, United States · Founded: 1902 · Employees: 3,036

Named competitors

Central Bancompany at a glance

Size Central Bancompany (CBC) is a United States Financials company (Regional Banks) with a market value of $9.04B, the 826th largest of 3,117 United States companies the cockpit tracks. Shares closed at $37.75 on 6 Nov 2026.

Performance Over six months the shares gained 38.4%, against +2.6% for the median peer and -1.1% for the United States market (cap-weighted) — highest of 21 in its peer set.

Growth Revenue grew 10.3% over the last twelve months (peer median +8.9%); the operating margin is 52.2% (peer median 37.7%).

Valuation It trades at 2.35× book value against a peer median of 1.25× (3rd most expensive of 21).

Price implies The share price implies a return on equity of about 10.9%; Central Bancompany delivers 12.6%, so the price asks less than the business earns today.

Short interest Short interest is 3.7% of the free float (15 Oct 2026).

Next results Next results expected around 2 Feb 2027 (exchange calendar; dates can move).

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026CBC 138Peer median 104
Six months, rebased to 100: Central Bancompany against the median of its 20 peers (local-currency closes).

Central Bancompany financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$1.31B$1.23B$1.11B$1.01B$823M
Revenue growth—+10%+11%+22%—
Net income$449M$391M$306M$274M$258M
Free cash flown/a$231M$314M$302M$284M
Capital expendituren/a$16.8M$25.2M$25.9M$18.1M
Total debt$932M$1.04B$1.04B$1.26B$1.35B

Quarterly statements and history in the cockpit →

Central Bancompany competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%-20%-10%0%+10%8303COLBPBCFRBPOP5831WAL2801WTFC8331LUKNCBSH5876FHNAUBANK32341058440241103618CBC6-month return →1-month return →
Up and to the right = strong over both horizons. Central Bancompany is the large dot.

Fundamentals: return on equity against price-to-book

7.5%10%12.5%15%10×20×8303COLBPBCFRBPOP5831WAL2801WTFC8331LUKNCBSH5876FHNAUBANK32341058440241103618CBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Central Bancompany is the large dot.

Capital: ROE delivered against the ROE the price implies

10%20%30%40%20%40%8303COLBPBCFRBPOP2801AUBANKCBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Central Bancompany is the large dot.

Central Bancompany competitors and peer comparison

Head to head with its named competitors (CBC vs CBSH vs UMBF vs SFNC)
CompanyMarket cap6M returnRevenue growthROEPrice / bookImplied ROE
Central Bancompany CBC$9.04B+38%+10%13%2.35×10.9%
Commerce Bancshares CBSH$7.82B+6%+9%15%1.87×12.1%
UMB Financial UMBF$10.2B+2%+17%14%1.34×11.2%
Simmons First National SFNC$3.37B+10%+122%8%1.01×9.7%

How Central Bancompany compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Central Bancompany against its 20 peers (data as of 6 Nov 2026)
MeasureCBCPeer medianRank in peer set
1-month return+16.6%+1.3%highest of 21
6-month return+38.4%+2.6%highest of 21
Return on equity12.6%9.1%7th highest of 21
Price / book2.35×1.25×3rd most expensive of 21
Trailing P/E20.3×13.9×3rd most expensive of 19
ROE the price implies10.9%8.5%7th most demanding of 20
ROE delivered12.6%9.3%7th highest of 19

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Central Bancompany CBCUnited States$9.04B+38%+10%13%2.35×10.9%12.6%
SBI Shinsei Bank 8303.TJapan$9.20B-11%+27%10%1.15×4.7%9.9%
Columbia Banking System COLBUnited States$8.62B+1%+22%11%1.19×9.3%11.2%
Prosperity Bancshares, Inc.(R) PBUnited States$8.60B+4%+19%6%0.88×7.5%6.5%
Cullen/Frost Bankers CFRUnited States$9.65B+12%+2%16%2.52×14.2%16.2%
Popular BPOPUnited States$9.83B+5%+4%17%1.58×11.1%16.6%
Shizuoka Financial 5831.TJapan$10.0B+6%+18%8%1.21×10.5%8.2%
Western Alliance Bancorp WALUnited States$8.13B-8%+8%13%1.11×12.9%13.2%
Chang Hwa Commercial Bank 2801.TWTaiwan$10.2B+34%+3%9%1.46×4.7%9.2%
Wintrust Financial WTFCUnited States$10.2B0%+6%13%1.49×12.2%12.9%
Chiba Bank 8331.TJapan$10.3B+9%+31%8%1.28×6.9%8.3%
Luzerner Kantonalbank LUKN.SWSwitzerland$7.86B+28%-3%9%1.76×n/a8.9%
Commerce Bancshares CBSHUnited States$7.82B+6%+9%15%1.87×12.1%14.9%
Shanghai Commercial & Savings Bank 5876.TWTaiwan$7.56B+34%-17%9%1.17×4.0%8.6%
First Horizon FHNUnited States$10.9B-6%-8%8%1.34×9.7%8.0%
AU Small Finance Bank AUBANK.NSIndia$7.39B-10%+17%16%3.21×44.0%15.7%
Yokohama Financial 7186.TJapan$11.1B+7%+21%8%1.21×8.1%8.0%
KakaoBank 323410.KSSouth Korea$7.28B-15%+6%7%1.46×8.5%n/a
Kyoto Financial Group,Inc 5844.TJapan$7.14B-11%+19%8%0.79×5.9%7.9%
IBK 024110.KSSouth Korea$11.4B-14%+28%8%0.49×4.2%n/a
Chongqing Rural Commercial Bank 3618.HKHong Kong$11.5B-4%+4%9%0.44×4.1%9.5%

Questions

Who are Central Bancompany's main competitors?
Named competitors: Commerce Bancshares (CBSH), UMB Financial (UMBF), Simmons First National (SFNC). The cockpit's measured peer set (industry) also includes SBI Shinsei Bank (8303.T), Columbia Banking System (COLB), Prosperity Bancshares, Inc.(R) (PB), Cullen/Frost Bankers (CFR), Popular (BPOP), Shizuoka Financial (5831.T).
Is Central Bancompany expensive compared with its peers?
On price / book it trades at 2.35× against a peer median of 1.25×, 3rd most expensive of 21 in its peer set. The share price implies a return on equity of about 10.9%; Central Bancompany delivers 12.6%, so the price asks less than the business earns today.
How has Central Bancompany stock performed?
Over six months to 6 Nov 2026 the shares returned +38.4% against +2.6% for the median peer.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.