Central Bancompany
CBC on Nasdaq. Central Bancompany sells banking and wealth services to people and businesses. Market value $7.6bn.
Price checks use the past 12 months to June 2026. Quality checks use five annual reports, the latest for the year to December 2025.
We can't read total debt from the filing, so debt is left out.
The company doesn't report operating profit, so we work it out from pre-tax profit and interest.
Should I look at this?
Not a fit for our list right now
Why it could be worth it
What to watch out for
See stocks that passed both tests
This is not advice. Check the numbers below.
For every $100 of what the whole company costs, it produced $6.21 of spare cash in the past 12 months. A savings account pays about $4.
The filings do not give us enough to work this out.
The filings do not give us enough to work this out.
Quality score: not known. Price score: 64 of 100. Our list needs 70 on quality and 60 on price.
$32.14 a share, 43% above its 1-year low
Over the past year the price has ranged from $22.50 to $33.82.
Dividend: 1.4% a year
Paid in its latest year
Prices from Tuesday’s close (6 October).
Five years of cash, in billions
Spare cash swings from quarter to quarter here: $478 million in the past 12 months, $231 million in the year to December 2025.
| Revenue | |
| Revenue | n/a |
| Operating margin | |
| Operating margin | n/a |
| Debt to equity | |
| Debt to equity | n/a |
| Shares outstanding | |
| Shares outstanding | 0.24bn |
Health checks
- Free cash flow positive1 of 1 years
- Accounting looks honest (Beneish)Not enough data
- Financial strength (Piotroski)Not enough data
- Profit backed by cash (accruals)Not enough data
- DebtUnknown
- Revenue growth, five yearsUnknown
- Buying back its own sharesRoughly flat
Dates
- Next results (estimated)
- n/a
- Last annual report (10-K)
- 25 March 2026
- Next quarterly (estimated, 10-Q)
- 13 November 2026
Who owns it
1 long-term investor we follow owns it, up from 0 last quarter. 144 funds in all.
| Fund | Value | Share of that fund | Change |
|---|---|---|---|
| Royce & AssociatesChuck Royce | $16m | 0.1% | New |
Largest holders overall
- Central Trust$229mAdded
- North Reef Capital Management LP$140mAdded
- FMR$70m
- State Street$45mAdded
- BlackRock$41mAdded
- Massachusetts Financial Services$35mCut
- Goldman Sachs Group$25mAdded
- Bank of America$25mAdded
- American Century Companies$25mCut
- Champlain Investment Partners$25mCut
From 13F filings for the quarter ended 30 June 2026.
Big holders and activists
2 investors own more than 5%.
- Central Bancompany, Inc. Amended & Restated Voting Trust Agreement, dated March 5, 2025at least 65.8%(filed with 17 related holders)Since 19 November 2025
What they said
The information set forth in Item 3 of this Schedule 13D is hereby incorporated into this Item 4 by reference. The Reporting Persons acquired, and presently hold, the shares of Class A Common Stock reported herein for individual investment purposes. The Reporting Persons may,…
Read the filing - The Central Trust BankPassive investorat least 19.5%(filed with 1 related holder)Since 30 November 2025
| Holder | Stake | Since | |
|---|---|---|---|
Central Bancompany, Inc. Amended & Restated Voting Trust Agreement, dated March 5, 2025 | at least 65.8% (filed with 17 related holders) | 19 November 2025 | What they saidThe information set forth in Item 3 of this Schedule 13D is hereby incorporated into this Item 4 by reference. The Reporting Persons acquired, and presently hold, the shares of Class A Common Stock reported herein for individual investment purposes. The Reporting Persons may,… Read the filing |
The Central Trust Bank Passive investor | at least 19.5% (filed with 1 related holder) | 30 November 2025 |
From Schedule 13D and 13G filings: anyone owning more than 5% must file one.
What insiders did
In the last 12 months, 17 insiders bought $6m of shares on the open market.
- Ross John ThomasPresident, CEO, DirectorBought
- Date
- 6 February 2026
- Shares
- 40,000
- Price
- $24.50
- Value
- $980,000
- Schoeneberg Carey DeniseSVP & Chief Risk OfficerBought
- Date
- 21 November 2025
- Shares
- 1,100
- Price
- $21.00
- Value
- $23,100
- KRUSE CHARLES EDirectorBought
- Date
- 21 November 2025
- Shares
- 2,500
- Price
- $21.00
- Value
- $52,500
- Westhues Daniel HaroldSEVP & Chief Customer OfficerBought
- Date
- 21 November 2025
- Shares
- 4,200
- Price
- $21.00
- Value
- $88,200
- Thompson Tristan AntinSee Remarks.Bought
- Date
- 21 November 2025
- Shares
- 480
- Price
- $21.00
- Value
- $10,080
- Sprong Bradley NixonDirectorBought
- Date
- 21 November 2025
- Shares
- 4,500
- Price
- $21.00
- Value
- $94,500
- Ross John ThomasPresident, CEO, DirectorBought
- Date
- 21 November 2025
- Shares
- 42,000
- Price
- $21.00
- Value
- $882,000
- Robuck Robert MarionDirectorBought
- Date
- 21 November 2025
- Shares
- 47,619
- Price
- $21.00
- Value
- $999,999
- Robertson Edward Deroy Jr.DirectorBought
- Date
- 21 November 2025
- Shares
- 4,550
- Price
- $21.00
- Value
- $95,550
- McClure Richard HaysDirectorBought
- Date
- 21 November 2025
- Shares
- 11,200
- Price
- $21.00
- Value
- $235,200
| Date | Who | Did | Shares | Price | Value |
|---|---|---|---|---|---|
| 6 February 2026 | Ross John Thomas President, CEO, Director | Bought | 40,000 | $24.50 | $980,000 |
| 21 November 2025 | Schoeneberg Carey Denise SVP & Chief Risk Officer | Bought | 1,100 | $21.00 | $23,100 |
| 21 November 2025 | KRUSE CHARLES E Director | Bought | 2,500 | $21.00 | $52,500 |
| 21 November 2025 | Westhues Daniel Harold SEVP & Chief Customer Officer | Bought | 4,200 | $21.00 | $88,200 |
| 21 November 2025 | Thompson Tristan Antin See Remarks. | Bought | 480 | $21.00 | $10,080 |
| 21 November 2025 | Sprong Bradley Nixon Director | Bought | 4,500 | $21.00 | $94,500 |
| 21 November 2025 | Ross John Thomas President, CEO, Director | Bought | 42,000 | $21.00 | $882,000 |
| 21 November 2025 | Robuck Robert Marion Director | Bought | 47,619 | $21.00 | $999,999 |
| 21 November 2025 | Robertson Edward Deroy Jr. Director | Bought | 4,550 | $21.00 | $95,550 |
| 21 November 2025 | McClure Richard Hays Director | Bought | 11,200 | $21.00 | $235,200 |
From Form 4 filings: insiders must report trades in their own company's shares within two days.
Warning signs in its filings
Problems the company itself reported to the SEC, in its own words.
None of the warning signs we check for were found.
We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.
We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 25 Mar 2026, plus the 10-Q filed 14 Aug 2026 and 3 later 8-Ks.
A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.
What could go wrong
Cheap for a reason is the question the numbers cannot answer.
Whether the price already reflects the risks is what the deep dive is for.
The deep dive
Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.
- What the business is worth, as a range, and the margin of safety at today’s price
- Prices to start buying, buy, and buy hard
- The three things that would make this a mistake
- Every number footnoted to the filing it came from
Your first deep dive is free.
Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.