NASDAQ : CBC
Central Bancompany, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 35.92 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 8.60B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 719.68M | 712.38M | 708.39M | 646.92M | 496.20M | 473.66M |
| Interest Income on Investments | 321.19M | 277.57M | 196.59M | 153.73M | 112.51M | 43.28M |
| Total Interest Income | 1.04B | 989.95M | 904.98M | 800.65M | 608.71M | 516.94M |
| Interest Paid on Deposits | 171.72M | 175.20M | 190.43M | 128.69M | 37.97M | 18.73M |
| Interest Paid on Borrowings | 22.42M | 25.08M | 27.22M | 38.78M | 14.96M | 2.36M |
| Total Interest Expense | 194.15M | 200.28M | 217.65M | 167.47M | 52.93M | 21.09M |
| Net Interest Income | 846.72M | 789.66M | 687.32M | 633.18M | 555.77M | 495.86M |
| Trust Income | 62.32M | 51.95M | 45.90M | 40.20M | 38.23M | 38.61M |
| Mortgage Banking Activities | 38.38M | 39.57M | 42.08M | 37.11M | 38.93M | 88.92M |
| Gain (Loss) on Sale of Assets | 1.19M | 488.00K | 1.59M | |||
| Gain (Loss) on Sale of Investments | 845.00K | -6.81M | -36.66M | -18.89M | -487.00K | 1.45M |
| Other Non-Interest Income | 165.67M | 146.98M | 159.07M | 147.28M | 154.08M | 144.88M |
| Total Non-Interest Income | 267.21M | 231.69M | 210.39M | 206.88M | 231.25M | 275.46M |
| Revenues Before Loan Losses | 1.11B | 1.02B | 897.71M | 840.06M | 787.02M | 771.31M |
| Provision for Loan Losses | 13.73M | 9.31M | 14.59M | 16.25M | 13.71M | 6.15M |
| Revenue | 1.10B | 1.01B | 883.13M | 823.81M | 773.31M | 765.16M |
| Salaries and Employee Benefits | 309.76M | 294.96M | 277.63M | 269.49M | 254.40M | 267.12M |
| Occupancy Expenses | 45.59M | 44.80M | 43.01M | 40.65M | 24.66M | 23.14M |
| Federal Deposit Insurance | 5.67M | 2.77M | 3.04M | |||
| Selling, General & Administrative | 72.78M | 72.93M | 74.18M | 63.26M | 65.75M | 56.17M |
| Other Non-Interest Expense | 90.33M | 92.79M | 94.59M | 90.00M | 92.24M | 95.32M |
| Total Non-Interest Expense | 518.46M | 505.49M | 489.41M | 469.07M | 439.82M | 444.79M |
| EBT Excluding Unusual Items | 581.74M | 506.56M | 393.72M | 354.74M | 333.49M | 320.37M |
| Pretax Income | 581.74M | 506.56M | 393.72M | 354.74M | 333.49M | 320.37M |
| Income Tax Expense | 133.04M | 115.70M | 87.91M | 81.04M | 75.27M | 73.54M |
| Net Income | 448.69M | 390.85M | 305.81M | 273.69M | 258.22M | 246.83M |
| Preferred Dividends & Other Adjustments | 667.00K | 667.00K | 120.00K | 610.00K | ||
| Net Income to Common | 448.03M | 390.19M | 305.69M | 273.08M | 258.22M | 246.83M |
| Basic Shares Outstanding | 237.35M | 222.35M | 220.59M | 220.70M | 220.75M | 221.30M |
| Diluted Shares Outstanding | 237.35M | 222.35M | 220.59M | 220.70M | 220.75M | 221.30M |
| EPS (Basic) | 1.89 | 1.75 | 1.39 | 1.24 | 1.17 | 1.12 |
| EPS (Diluted) | 1.89 | 1.75 | 1.39 | 1.24 | 1.17 | 1.12 |
| Dividend Per Share | 0.41 | 0.22 | 0.18 | 0.16 | 0.15 | 0.21 |
| Effective Tax Rate | 22.87% | 22.84% | 22.33% | 22.85% | 22.57% | 22.96% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 188.92M | 2.06B | 1.24B | 1.68B | 895.00M | 3.42B |
| Investment Securities | 6.93B | 1.10B | 1.70B | 2.65B | 3.66B | 3.10B |
| Trading Asset Securities | 666.00K | |||||
| Mortgage-Backed Securities | 5.29B | 3.91B | 2.40B | 2.83B | 2.65B | |
| Total Investments | 6.93B | 6.39B | 5.62B | 5.05B | 6.49B | 5.75B |
| Gross Loans | 11.74B | 11.44B | 11.65B | 11.52B | 11.26B | 10.34B |
| Allowance for Loan Losses | -150.89M | -149.67M | -154.28M | -154.81M | -157.63M | -152.39M |
| Other Adjustments to Gross Loans | -9.81M | -9.61M | -26.26M | -32.88M | -36.15M | -40.46M |
| Net Loans | 11.58B | 11.28B | 11.47B | 11.33B | 11.07B | 10.15B |
| Property, Plant & Equipment | 224.52M | 215.93M | 215.32M | 217.93M | 209.92M | 214.55M |
| Goodwill | 348.24M | 348.24M | 348.24M | 348.24M | 348.24M | |
| Other Intangible Assets | 349.50M | 3.43M | 6.65M | 10.04M | 13.56M | 17.09M |
| Loans Held for Sale | 17.79M | 54.12M | 34.26M | 35.44M | 33.88M | 77.24M |
| Accrued Interest Receivable | 25.10M | 22.00M | 16.90M | 19.10M | ||
| Long-Term Deferred Tax Assets | 23.33M | 56.63M | 101.02M | 7.55M | ||
| Other Real Estate Owned & Foreclosed | 5.95M | 5.28M | 4.34M | 5.00M | 6.64M | |
| Other Long-Term Assets | 379.06M | 352.80M | 244.82M | 257.15M | 248.88M | 277.90M |
| Total Assets | 20.23B | 20.75B | 19.24B | 19.02B | 19.45B | 20.27B |
| Interest Bearing Deposits | 9.66B | 9.70B | 9.20B | 9.00B | 9.39B | 9.59B |
| Institutional Deposits | 547.40M | 536.70M | 493.40M | 254.26M | 275.73M | |
| Non-Interest Bearing Deposits | 5.65B | 5.62B | 5.25B | 5.38B | 5.92B | 6.27B |
| Total Deposits | 15.32B | 15.86B | 14.99B | 14.87B | 15.56B | 16.13B |
| Short-Term Borrowings | 932.32M | 1.01B | 1.01B | 1.23B | 1.32B | 1.42B |
| Current Portion of Leases | 3.44M | |||||
| Long-Term Leases | 29.12M | 31.52M | 33.50M | 33.63M | ||
| Long-Term Deferred Tax Liabilities | 11.74M | |||||
| Other Long-Term Liabilities | 138.73M | 49.22M | 107.22M | 147.53M | 146.03M | 217.24M |
| Total Liabilities | 16.39B | 16.97B | 16.13B | 16.28B | 17.06B | 17.77B |
| Common Stock | 4.16B | 3.18M | 2.98M | 60.00K | 5.96M | 5.96M |
| Additional Paid-In Capital | 419.42M | 13.32M | 13.55M | 5.93M | 5.46M | |
| Retained Earnings | 3.48B | 3.33B | 3.09B | 2.86B | 2.65B | |
| Treasury Stock | -142.20M | -99.16M | -99.38M | -87.52M | -86.87M | -79.37M |
| Comprehensive Income & Other | -177.36M | -16.87M | -139.93M | -267.59M | -396.91M | -76.26M |
| Shareholders' Equity | 3.84B | 3.78B | 3.11B | 2.74B | 2.39B | 2.51B |
| Total Liabilities & Equity | 20.23B | 20.75B | 19.24B | 19.02B | 19.45B | 20.27B |
| Total Debt | 932.32M | 1.04B | 1.04B | 1.26B | 1.35B | 1.42B |
| Net Cash (Debt) | -743.41M | 1.02B | 204.36M | 426.15M | -454.14M | 2.00B |
| Net Cash Per Share | -3.13 | 4.59 | 0.93 | 1.93 | -2.06 | 9.02 |
| Filing Date Shares Outstanding | 239.38M | 240.29M | 220.38M | 220.96M | 220.75M | 221.30M |
| Total Common Shares Outstanding | 239.38M | 241.11M | 220.38M | 220.96M | 220.75M | 221.30M |
| Book Value Per Share | 16.04 | 15.69 | 14.11 | 12.42 | 10.82 | 11.32 |
| Tangible Book Value | 3.49B | 3.43B | 2.76B | 2.39B | 2.03B | 2.14B |
| Tangible Book Value Per Share | 14.58 | 14.24 | 12.50 | 10.80 | 9.18 | 9.67 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 390.85M | 305.81M | 273.69M | 258.22M | 246.83M | |
| Depreciation & Amortization | 20.01M | 19.20M | 19.57M | 28.06M | 33.28M | |
| Gain (Loss) on Sale of Investments | -13.89M | 44.30M | 34.22M | 22.86M | 25.86M | |
| Provision for Credit Losses | 9.31M | 14.59M | 16.25M | 13.71M | 6.15M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 23.40M | 24.86M | 16.87M | 2.53M | 64.97M | |
| Change in Other Net Operating Assets | -152.11M | -12.62M | 3.48M | -17.60M | -37.77M | |
| Other Operating Activities | -2.77M | -7.33M | 2.65M | 6.91M | -1.17M | |
| Operating Cash Flow | 248.16M | 363.30M | 345.09M | 304.92M | 266.75M | |
| Capital Expenditures | -16.77M | -25.16M | -25.89M | -18.06M | -17.30M | |
| Sale of Property, Plant and Equipment | 433.00K | 11.91M | 1.49M | 5.96M | 5.80M | |
| Investment in Securities | -609.32M | -472.00M | 1.57B | -1.21B | -459.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 161.91M | -148.66M | -268.62M | -880.10M | 3.69M | |
| Investing Cash Flow | -463.74M | -633.91M | 1.28B | -2.10B | -466.82M | |
| Short-Term Debt Issued | 4.56M | 105.62M | ||||
| Total Debt Issued | 4.56M | 105.62M | ||||
| Short-Term Debt Repaid | -218.87M | -90.78M | -104.42M | |||
| Long-Term Debt Repaid | -5.00M | |||||
| Total Debt Repaid | -218.87M | -90.78M | -104.42M | -5.00M | ||
| Net Debt Issued (Repaid) | 4.56M | -218.87M | -90.78M | -104.42M | 100.62M | |
| Issuance of Common Stock | 403.11M | |||||
| Repurchase of Common Stock | -12.14M | -959.00K | -7.56M | |||
| Common Dividends Paid | -246.53M | -57.53M | -51.87M | -48.60M | -46.46M | |
| Net Increase (Decrease) in Deposit Accounts | 876.78M | 116.34M | -691.69M | -567.71M | 1.74B | |
| Financing Cash Flow | 1.04B | -172.21M | -835.29M | -728.29M | 1.79B | |
| Net Cash Flow | 822.34M | -442.82M | 789.62M | -2.52B | 1.59B | |
| Free Cash Flow | 231.39M | 338.14M | 319.20M | 286.86M | 249.45M | |
| Free Cash Flow Margin | 22.86% | 38.29% | 38.75% | 37.09% | 32.60% | |
| Free Cash Flow Per Share | 1.04 | 1.53 | 1.45 | 1.30 | 1.13 | |
| Cash Interest Paid | 199.30M | 216.06M | 161.18M | 51.62M | 22.32M | |
| Cash Income Tax Paid | 144.38M | 92.02M | 71.34M | 62.07M | 72.32M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 8.60B | 5.82B | 97.97B | 94.04B | 94.29B | 86.57B |
| Last Close Price | 35.92 | 23.81 | 12.61 | 13.02 | 11.82 | 10.36 |
| PE Ratio | 19.03 | 14.90 | 320.49 | 344.36 | 365.16 | 350.71 |
| PS Ratio | 7.82 | 5.75 | 110.94 | 114.15 | 121.93 | 113.13 |
| PB Ratio | 2.24 | 1.54 | 31.50 | 34.27 | 39.49 | 34.55 |
| P/FCF Ratio | 17.98 | 25.13 | 289.74 | 294.61 | 328.70 | 347.02 |
| P/OCF Ratio | 17.14 | 23.43 | 269.67 | 272.51 | 309.23 | 324.52 |
| Debt / Equity Ratio | 0.24 | 0.28 | 0.33 | 0.46 | 0.57 | 0.57 |
| Debt / FCF Ratio | 4.51 | 3.07 | 3.95 | 4.71 | 5.70 | |
| Net Debt / Equity Ratio | 0.19 | -0.27 | -0.07 | -0.15 | 0.19 | -0.80 |
| Net Debt / FCF Ratio | -4.41 | -0.60 | -1.33 | 1.58 | -8.00 | |
| Return on Equity (ROE) | 12.60% | 11.34% | 10.45% | 10.67% | 10.55% | 10.21% |
| Return on Assets (ROA) | 2.28% | 1.96% | 1.60% | 1.42% | 1.30% | 1.28% |
| Earnings Yield | 5.26% | 6.72% | 0.31% | 0.29% | 0.27% | 0.29% |
| FCF Yield | 5.56% | 3.98% | 0.34% | 0.34% | 0.30% | 0.29% |
| Dividend Yield | 1.34% | 0.91% | 0.04% | 0.04% | 0.03% | 0.05% |
| Payout Ratio | 19.24% | 63.08% | 18.81% | 18.95% | 18.82% | 18.82% |
| Buyback Yield / Dilution | -7.56% | -0.80% | 0.05% | 0.02% | 0.25% | -0.02% |
| Total Shareholder Return | -6.22% | 0.11% | 0.09% | 0.06% | 0.28% | 0.03% |