1.Sales and profit
See section →- Central Bancompany, Inc. had $1.0B of revenue in fiscal 2025, up 13.8% on the year before.
- Central Bancompany, Inc. made $391M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 25.9% a year.
Central Bancompany, Inc.
CBC Nasdaq Financials FY2024–FY2025
Central Bancompany, Inc. had $1.0B of revenue in fiscal 2025, up 13.8% on the year before.
Download report
3-page PDF: the company, its results and charts with peers.
Last close · Oct 23, 2026
$34.67
0.8%KIRA’s summary AI analyst
Hi! I read Central Bancompany, Inc.’s latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section →- Free cash flow was $231M in fiscal 2025, 22.7% of revenue.
- Central Bancompany, Inc. returned $247M to shareholders in fiscal 2025, 107% of free cash flow. The diluted share count rose 0.8%.
- No open-market insider trades in the last 12 months.
Central Bancompany, Inc. in 30 seconds
Good So-so Weak
Good
Are sales growing?
+13.8%
Yes. Sales grew 13.8% last year.
Good
Does it make a profit?
38.3%
Yes. It keeps 38.3% of every sale as profit.
Good
Does profit turn into cash?
22.7%
Yes. 22.7% of sales ends up as free cash.
For information
How is the share priced?
19.8x
One share costs 19.8 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$8.3B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
19.8x
On $1.75 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Central Bancompany, Inc. did it, and the next one. Share prices often move a lot on those days.
Next results
October 27, 2026
Tuesday · tomorrow
- Time
- Before the market opens
- Covers
- Period ended Sep 30, 2026
- Expected EPS
- $0.49
- Source
- Earnings calendar
Revenue and margins
KIRA · Central Bancompany, Inc. had $1.0B of revenue in fiscal 2025, up 13.8% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY24
Revenue $898M
FY25
Revenue $1.0B
Revenue
Q1 '25
Revenue $248M
Q2 '25
Revenue $245M
Q1 '26
Revenue $274M
Q2 '26
Revenue $282M
Margins, % of revenue
FY24
Gross —
Operating —
Net 34.1%
FCF 37.7%
FY25
Gross —
Operating —
Net 38.3%
FCF 22.7%
Gross
Operating
Net
FCF
Margins, % of revenue
Q1 '25
Gross —
Operating —
Net 38.2%
FCF 40.8%
Q2 '25
Gross —
Operating —
Net 37.3%
FCF −20.4%
Q1 '26
Gross —
Operating —
Net 40.6%
FCF 73.7%
Q2 '26
Gross —
Operating —
Net 40.3%
FCF 34.1%
Gross
Operating
Net
FCF
Net income and earnings per share
KIRA · Central Bancompany, Inc. made $391M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 25.9% a year.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY24
Net income $306M
FY25
Net income $391M
Net income
Q1 '25
Net income $94.8M
Q2 '25
Net income $91.4M
Q1 '26
Net income $111M
Q2 '26
Net income $114M
Diluted EPS
FY24
Diluted EPS $1.39
FY25
Diluted EPS $1.75
Diluted EPS
Q1 '25
Diluted EPS $0.43
Q2 '25
Diluted EPS $0.41
Q1 '26
Diluted EPS $0.46
Q2 '26
Diluted EPS $0.47
Cash and shareholders
How much cash comes in, and where does it go?
Cash flow
KIRA · Free cash flow was $231M in fiscal 2025, 22.7% of revenue.
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
FY24
Free cash flow $338M
FY25
Free cash flow $231M
Free cash flow
Q1 '25
Free cash flow $101M
Q2 '25
Free cash flow −$49.9M
Q1 '26
Free cash flow $202M
Q2 '26
Free cash flow $96.2M
Cash from operations vs capital spending
FY24
Cash from operations $363M
Capital spending $25.2M
FY25
Cash from operations $248M
Capital spending $16.8M
Cash from operations
Capital spending
Cash from operations vs capital spending
Q1 '25
Cash from operations $102M
Capital spending $1.3M
Q2 '25
Cash from operations −$43.8M
Capital spending $6.1M
Q1 '26
Cash from operations $210M
Capital spending $8.4M
Q2 '26
Cash from operations $102M
Capital spending $5.9M
Cash from operations
Capital spending
Dividends, buybacks and share count
KIRA · Central Bancompany, Inc. returned $247M to shareholders in fiscal 2025, 107% of free cash flow. The diluted share count rose 0.8%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY24
Dividends $57.5M
Buybacks $12.1M
FY25
Dividends $247M
Buybacks $0.0M
Dividends
Buybacks
Dividends and buybacks
Q1 '25
Dividends $12.1M
Buybacks $0.0M
Q2 '25
Dividends $188M
Buybacks $0.0M
Q1 '26
Dividends $29.1M
Buybacks $31.1M
Q2 '26
Dividends $28.7M
Buybacks $7.6M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY24
Diluted shares 0.22B
FY25
Diluted shares 0.22B
Insider trades
KIRA · No open-market insider trades in the last 12 months.
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.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
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.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Cash, debt and the ratios that show how comfortably Central Bancompany, Inc. can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
FY24
Cash $1.2B
Debt —
FY25
Cash $2.1B
Debt —
Cash
Debt
| 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) | — | — |
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
FY24
Return on capital —
Return on equity 9.8%
Return on assets 1.6%
FY25
Return on capital —
Return on equity 11.3%
Return on assets 2.0%
Return on capital
Return on equity
Return on assets
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is 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'' | — | — |
All figures
Every number, year by year.
2 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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.