Central Bancompany, Inc.
CBC Nasdaq Financials FY2024–FY2025
What Central Bancompany, Inc. does
No business description yet.
- Legal name
- Central Bancompany, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 25, 2026
- Accession · CIK
- 0001628280-26-021067
0002065601
Revenue and margins
Central Bancompany, Inc. had $1.0B of revenue in fiscal 2025, up 13.8% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 25.9% a year. Loss periods are shown in red.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Cash flow
Free cash flow was $231M in fiscal 2025, 22.7% of revenue. Cash from operations minus capital spending.
Dividends, buybacks and share count
Central Bancompany, Inc. returned $247M to shareholders in fiscal 2025, 107% of free cash flow. The diluted share count rose 0.8%.
Balance sheet
Cash, debt and the ratios that show how comfortably Central Bancompany, Inc. can carry it.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Cash and short-term investments | $1.2B | $2.1B |
| Total assets | $19.2B | $20.8B |
| Total liabilities | $16.1B | $17.0B |
| Shareholders' equity | $3.1B | $3.8B |
| Net debt (− = net cash) | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY24 | FY25 |
|---|---|---|
| Net income is positive | ✓ | ✓ |
| Cash from operations is positive | ✓ | ✓ |
| Return on assets rose | — | ✓ |
| Cash from operations exceeds net income | ✓ | ✕ |
| Debt fell relative to assets | — | — |
| Current ratio rose | — | — |
| Share count didn't rise | — | ✕ |
| Gross margin rose | — | — |
| Revenue rose relative to assets | — | ✓ |
| F-score | — / 3 | — / 6 |
| Accruals ratio | −0.3% | 0.7% |
| Altman Z'' | — | — |
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $898M | $1.0B |
| Net interest income | $687M | $790M |
| Noninterest income | $210M | $232M |
| Noninterest expense | $489M | $505M |
| Pretax income | $394M | $507M |
| Income tax | $87.9M | $116M |
| Net income | $306M | $391M |
| Net income to common | $306M | $391M |
| Diluted EPS | $1.39 | $1.75 |
| Diluted shares | 0.22B | 0.22B |
| Cash flow | ||
| Cash from operations | $363M | $248M |
| Capital expenditure | $25.2M | $16.8M |
| Free cash flow | $338M | $231M |
| Depreciation and amortization | $19.2M | $20.0M |
| Stock-based compensation | $3.5M | $3.1M |
| Share buybacks | $12.1M | $0.0M |
| Dividends paid | $57.5M | $247M |
| Dividends and buybacks | $69.7M | $247M |
| Balance sheet | ||
| Cash and short-term investments | $1.2B | $2.1B |
| Loans, net | $11.5B | $11.3B |
| Deposits | $15.0B | $15.9B |
| Goodwill | $348M | $348M |
| Intangible assets | $6.7M | $3.4M |
| Total assets | $19.2B | $20.8B |
| Total liabilities | $16.1B | $17.0B |
| Preferred stock | $0.0M | $0.0M |
| Shareholders' equity | $3.1B | $3.8B |
| Margins | ||
| Net margin | 34.1% | 38.3% |
| FCF margin | 37.7% | 22.7% |
| Net interest share of revenue | 76.6% | 77.3% |
| Efficiency ratio | 54.5% | 49.5% |
| Returns | ||
| Return on equity | 9.8% | 11.3% |
| Return on assets | 1.6% | 2.0% |
| Return on tangible equity | 11.1% | 11.4% |
| Growth | ||
| Revenue growth | — | 13.8% |
| Net income growth | — | 27.8% |
| EPS growth | — | 25.9% |
| FCF growth | — | −31.6% |
| Share count change | — | 0.8% |
| Financial health | ||
| Loans / deposits | 76.5% | 71.1% |
| Capital allocation | ||
| Capex / revenue | 2.8% | 1.6% |
| Stock comp / revenue | 0.4% | 0.3% |
| Payouts / FCF | 20.6% | 106.5% |
| Quality scores | ||
| Accruals ratio | −0.3% | 0.7% |
Source: SEC EDGAR XBRL filings (CIK 0002065601). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.