Central Bancompany
Provides regional banking, commercial payments, mortgages, and wealth management.
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Profile
Provides consumer and commercial banking, payments, mortgages, and wealth services through its full-service bank subsidiary. Revenue combines deposit-funded lending with payments, mortgage, service-charge, fiduciary, and brokerage fees, while majority voting control remains with a Cook-family Voting Trust.
Operates through Consumer Banking, Commercial Banking, and Wealth Management, centered on The Central Trust Bank. Consumer offerings combine deposits, digital banking, mortgages, home-equity and installment loans, and credit cards; commercial teams provide relationship banking, lending, treasury management, merchant services, and card programs to businesses and public-sector customers. Wealth platforms offer investment management, fiduciary and estate services, brokerage, and financial planning.
Uses local market leaders to make service, growth, and hiring decisions while supporting a branch network across Missouri, Kansas, Oklahoma, Colorado, and Florida. Customer deposits are the principal funding base, while interest income, payments, mortgage banking, service charges, and fiduciary and brokerage fees provide revenue. The holding company depends substantially on bank dividends, which remain subject to capital and retained-income rules.
Company facts
Key statistics
Year to date +36.7% · Average volume (30d) 696.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 5, 2026 | Morgan Stanley | Reiterate | Overweight | $32 | $35 | |
| Aug 5, 2026 | Stephens & Co. | Downgrade | Overweight | Equal Weight | ||
| Jun 29, 2026 | Morgan Stanley | Reiterate | Overweight | $32 | ||
| May 4, 2026 | Neuberger Berman | Target | $29.50 | |||
| Apr 29, 2026 | Piper Sandler | Target | $31 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 4, 2026Q2 FY26 | $0.47 | $0.47 | −0.8% | $283.8M | $281.7M | −0.7% | +0.63% |
| Apr 28, 2026Q1 FY26 | $0.44 | $0.46 | +4.5% | $270.6M | $273.7M | +1.1% | +1.16% |
| Jan 27, 2026Q4 FY25 | $0.46 | $0.47 | +2.2% | $268.9M | $272.2M | +1.2% | −1.80% |
| Oct 31, 2025Q3 FY25 | $0.46 | $0.46 | 0.0% | $255.9M | $264.3M | +3.3% | — |
Financial highlights
| 5 quarters | — | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | — | $307.7M | $305.8M | $321.1M | $323.1M | $330.0M | |
| Gross profit | — | $257.1M | $252.6M | $269.2M | $270.6M | $278.8M | |
| Operating income | — | $118.4M | $125.6M | $139.7M | $143.9M | $147.5M | |
| Net income | — | $91.4M | $97.1M | $107.6M | $111.1M | $113.8M | |
| Diluted EPS | — | $0.41 | $0.44 | $0.45 | $0.46 | $0.47 | |
| Gross margin | — | 83.6% | 82.6% | 83.9% | 83.7% | 84.5% | |
| Operating margin | — | 38.5% | 41.1% | 43.5% | 44.5% | 44.7% |
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $769.3M · Total debt $913.1M · Total assets $20.29B · Shareholders' equity $3.87B
Dividends
Raised for 2 straight years — most recently to $0.12 from $0.055 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 21, 2026 | Aug 21 | Sep 1 | $0.12 | |
| May 22, 2026 | May 22 | Jun 1 | $0.12 | |
| Feb 20, 2026 | Feb 20 | Mar 2 | $0.12 | raised from $0.055 |
| Oct 20, 2025 | Oct 20 | Dec 1 | $0.0031 | special dividend |
| Aug 22, 2025 | Aug 22 | Sep 1 | $0.055 | |
| May 23, 2025 | May 23 | Jun 1 | $0.055 | raised from $0.045 |
| Apr 25, 2025 | Apr 27 | May 5 | $0.80 | special dividend |
| Nov 22, 2024 | Nov 22 | Dec 1 | $0.125 | special dividend |
Ownership
Shares outstanding 239.77M · Float 219.84M · 91.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| The Central Trust Bank | 46.99M | 19.49% | 13G | Dec 12, 2025 |
| Central Trust Co | 7.16M | 2.99% | 13F | Apr 17, 2026 |
| North Reef Capital Management LP | 4.08M | 1.70% | 13F | May 15, 2026 |
| FMR LLC | 2.31M | 0.96% | 13F | May 15, 2026 |
| Price T Rowe Associates Inc /MD/ | 1.84M | 0.77% | 13F | May 15, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Commerce Bancshares
Broad Midwest rival in banking, payments, wealth, and brokerage.
- BOK Financial
Multistate rival across banking, payments, mortgage, and wealth.
- UMB Financial
Five-state commercial, personal, wealth, and institutional banking rival.
- Great Southern Bancorp
Missouri-Kansas retail and commercial lender with Denver overlap.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Central Bancompany | $32.60 | 0.00% | $7.82B | 17.9 | 16.6 | 6.1 | — |
| Commerce Bancshares | $58.04 | +0.02% | $8.46B | 14.1 | 13.1 | 3.9 | +11.9% |
| BOK Financial | $135.14 | −1.69% | $8.35B | 12.9 | 13.3 | 2.5 | +4.8% |
| UMB Financial | $144.59 | +0.07% | $10.98B | 12.0 | 11.0 | 2.4 | +22.9% |
| Great Southern Bancorp | $78.87 | +0.06% | $859.1M | 13.1 | 14.3 | 2.7 | −3.9% |
| Median | 13.0 | 13.2 | 2.6 | +8.4% |