Central Bancompany, Inc. (NASDAQ: CBC)

Sector: Financial Services Industry: Banks - Regional CIK: 0002065601
Market Cap 5.25 Bn
P/B 1.60
P/E 17.17
P/S 4.52
ROIC (Qtr) 0.00
Div Yield % 0.00
Rev 1y % (Qtr) 0.00
Total Debt (Qtr) 958.77 Mn
Debt/Equity (Qtr) 0.29

About

Price action

Investment thesis

Bull case

  • Strong tangible asset base of 18.83B provides 19.64x coverage of total debt 958.77M, indicating robust asset backing and low credit risk.
  • Cash reserves of 1.03B provide comfortable 565.66x coverage of tax obligations 1.82M, showing strong fiscal management.
  • Retained earnings of 3.40B provide strong 9.66x coverage of intangibles 352.47M, indicating quality earnings retention.
  • Retained earnings of 3.40B represent substantial 1.04x of equity 3.28B, indicating strong internal capital generation.
  • Strong tangible asset base of 18.83B provides 53.43x coverage of intangibles 352.47M, indicating robust asset quality.

Bear case

  • Retained earnings of 3.40B provide limited buffer against comprehensive income items of (38.98M), which is -87.32x, indicating elevated exposure to market risks.
  • Tax assets of 0 provide limited offset against tax liabilities of 1.82M, which is 0x, indicating potential future cash flow pressure from tax obligations.
  • Deposit liabilities of 15.75B significantly exceed cash reserves of 1.03B, which is 15.29x, indicating potential liquidity risk in stress scenarios.

Peer comparison

Companies in the Banks - Regional
S.No. Ticker Company Market Cap P/E P/S Total Debt (Qtr)
1 USB Us Bancorp \De\ 84.44 Bn 12.40 3.25 77.98 Bn
2 PNC Pnc Financial Services Group, Inc. 84.36 Bn 13.61 3.73 62.34 Bn
3 NU Nu Holdings Ltd. 81.47 Bn 32.21 5.79 4.49 Bn
4 NWG NatWest Group plc 66.53 Bn 9.88 3.05 169.04 Bn
5 TFC Truist Financial Corp 64.60 Bn 13.18 3.53 71.11 Bn
6 MTB M&T Bank Corp 32.73 Bn 12.47 3.60 14.99 Bn
7 FITB Fifth Third Bancorp 31.96 Bn 14.15 3.93 18.94 Bn
8 FCNCA First Citizens Bancshares Inc /De/ 28.98 Bn 12.78 3.26 40.00 Bn

Industry comparisons

Current Valuation Value Ind Avg Percentile
EV to Assets EV to Assets 0.00 0.14
EV to Cash from Ops. EV to Cash from Ops. 0.00 7.21
EV to Debt EV to Debt 0.00 5.20
EV to EBIT EV to EBIT 0.00 14.98
EV to EBITDA EV to EBITDA 0.00 8.92
EV to Free Cash Flow [EV/FCF] EV to Free Cash Flow [EV/FCF] 0.00 8.87
EV to Market Cap EV to Market Cap 0.00 1.04
EV to Revenue EV to Revenue 0.00 -3.76
Price to Book Value [P/B] P/B 1.60 1.17
Price to Earnings [P/E] P/E 17.17 15.63
Dividend Metrics Value Ind Avg Percentile
Dividend Coverage Ratio Dividend Coverage Ratio 0.00 271.44
Dividend Payout Ratio % Dividend Payout Ratio % 0.00 35.28
Dividend per Basic Share Div per Share (Qtr) 0.00 0.89
FCF Dividend Payout Ratio % FCF Dividend Payout Ratio % 0.00 34.52
Interest Coverage Interest Coverage 0.00 -0.05
Growth Metrics Value Ind Avg Percentile
Capex Growth (1y) % Capex Growth (1y) % 0.00 -73.15
Cash and Equivalents Growth (1y) % Cash & Equiv 1y % (Qtr) 0.00 15.78
Dividend Growth (1y) % Dividend Growth (1y) % 0.00 5.32
EBIAT Growth (1y) % EBIAT Growth (1y) % 0.00 110.93
EBITDA Growth (1y) % EBITDA Growth (1y) % 0.00 38.80
EBIT Growth (1y) % EBIT Growth (1y) % 0.00 61.46
EBT Growth (1y) % EBT Growth (1y) % 0.00 61.37
EPS Growth (1y) % EPS Growth (1y) % 0.00 76.34
FCF Growth (1y) % FCF Growth (1y) % 0.00 161.72
Gross Profit Growth (1y) % Gross Profit Growth (1y) % 0.00 14.15
Liquidity Ratios Value Ind Avg Percentile
Asset Utilization Ratio Asset Utilization Ratio 0.00 0.04
Cash Payout Ratio Cash Payout Ratio 0.00 0.26
Cash Ratio Cash Ratio 0.00 0.00
Current Ratio Current Ratio 0.00 0.01
Debt to Equity Ratio Debt/Equity (Qtr) 0.29 0.53
Interest Cover Ratio Interest Cover Ratio 0.00 -0.05
Times Interest Earned Times Interest Earned 0.00 -0.05
Profitability Value Ind Avg Percentile
EBITDA Margin % EBITDA Margin % 0.00 147.97
EBIT Margin % EBIT Margin % 0.00 155.41
EBT Margin % EBT Margin % 0.00 154.66
Gross Margin % Gross Margin % 0.00 97.82
Net Profit Margin % Net Profit Margin % 0.00 115.63