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Runs Centennial Bank's acquisition-built commercial and retail banking franchise across Southern markets.
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Profile
Operates Centennial Bank, offering deposits, commercial and retail loans, treasury services, mortgage banking, and specialized real estate and marine finance across Southern markets. Most revenue comes from interest on loans and investments, while an acquisition-built branch network runs under one bank charter.
Operates Centennial Bank, combining commercial and retail banking with deposit accounts, treasury services, mortgage banking, and digital payments. Lending spans commercial real estate and construction, business credit, residential mortgages, consumer loans, and specialized national platforms for commercial real estate and marine finance. Branches run across Arkansas, Florida, Texas, Tennessee, South Alabama, and New York City.
Growth has centered on acquiring community banks, consolidating them under one charter and the Centennial name, and pairing local bankers with centralized scale. Most revenue comes from interest on loans and investments, supplemented by service charges and mortgage banking income. Real estate-backed credit is the largest loan category, while deposits and Federal Home Loan Bank borrowings are primary funding sources. Results depend on credit quality, collateral values, deposit retention, interest rates, and bank-capital regulation.
Company facts
Categories
Key statistics
Year to date +6.1% · Average volume (30d) 1.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 19, 2026 | Cantor Fitzgerald | Reiterate | Overweight | $30 | $31 |
| Jul 17, 2026 | Piper Sandler | Reiterate | Overweight | $33 | $36 |
| Jun 24, 2026 | Benchmark | Initiate | Hold | ||
| May 19, 2026 | Cantor Fitzgerald | Reiterate | Neutral | $30 | |
| Apr 17, 2026 | Piper Sandler | Reiterate | Overweight | $35 | $33 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 15, 2026Q2 FY26 | $0.62 | $0.64 | +3.2% | $288.7M | $295.1M | +2.2% | +4.78% |
| Apr 15, 2026Q1 FY26 | $0.60 | $0.60 | 0.0% | $272.9M | $266.7M | −2.3% | −3.36% |
| Jan 14, 2026Q4 FY25 | $0.60 | $0.60 | 0.0% | $272.5M | $282.1M | +3.5% | +0.91% |
| Oct 15, 2025Q3 FY25 | $0.60 | $0.61 | +2.2% | $270.0M | $279.7M | +3.6% | −3.39% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $354.8M | $365.8M | $279.7M | $374.1M | $353.8M | $390.3M | |
| Gross profit | $256.9M | $263.6M | $274.2M | $267.7M | $266.2M | $289.9M | |
| Operating income | $147.2M | $152.0M | $148.8M | $153.3M | $152.6M | $154.4M | |
| Net income | $115.2M | $118.4M | $123.6M | $118.2M | $118.2M | $119.3M | |
| Diluted EPS | $0.58 | $0.60 | $0.63 | $0.60 | $0.60 | $0.60 | |
| Gross margin | 72.4% | 72.1% | 98.0% | 71.5% | 75.2% | 74.3% | |
| Operating margin | 41.5% | 41.6% | 53.2% | 41.0% | 43.1% | 39.6% |
Fiscal years (4-quarter sums)FY21 $752.0M · FY22 $1.04B · FY23 $1.32B · FY24 $1.45B · FY25 $1.37B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $279.7M · Total debt $888.6M · Total assets $24.71B · Shareholders' equity $4.55B
Dividends
Raised for 18 straight years — most recently to $0.23 from $0.21 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 12, 2026 | Aug 12 | Sep 2 | $0.23 | raised from $0.21 |
| May 13, 2026 | May 13 | Jun 3 | $0.21 | |
| Feb 11, 2026 | Feb 11 | Mar 4 | $0.21 | |
| Nov 12, 2025 | Nov 12 | Dec 3 | $0.21 | raised from $0.20 |
| Aug 13, 2025 | Aug 13 | Sep 3 | $0.20 | |
| May 14, 2025 | May 14 | Jun 4 | $0.20 | raised from $0.195 |
| Feb 12, 2025 | Feb 12 | Mar 5 | $0.195 | |
| Nov 13, 2024 | Nov 13 | Dec 4 | $0.195 |
Ownership
Shares outstanding 201.41M · Float 188.58M · 93.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 25.77M | 12.79% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 11.91M | 5.91% | 13F | Aug 13, 2026 |
| Vanguard Capital Management | 10.14M | 5.03% | 13G | Jul 31, 2026 |
| State Street Corp | 10.02M | 4.97% | 13F | Aug 7, 2026 |
| T. Rowe Price Investment Management, Inc. | 8.61M | 4.28% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 11, 2026 | Jim Rankin | director | −15,000 | $30.86 |
| Aug 4, 2026 | John Stephen Tipton | officer: Centennial Bank CEO | −12,000 | $31.59 |
| Jun 1, 2026 | John W. II Allison | director | −2,000 | $26.38 |
| Apr 21, 2026 | Jennifer C. Floyd | officer: Chief Accounting Officer | −3,000 | $27.12 |
| Apr 17, 2026 | John W. Allison | director, officer: Chairman & CEO | +100,000 | $26.96 |
Peers
- Bank OZK
Arkansas and CRE banking overlap across key Southern markets
- Simmons First National
Arkansas, Tennessee, and Texas community-bank overlap
- SouthState
Florida, Alabama, Texas, and CRE banking overlap
- First Horizon
Tennessee, Florida, and Texas regional banking overlap
- Pinnacle Financial Partners
Tennessee and Southeast commercial banking overlap
- FB Financial
Tennessee and Alabama branch banking overlap
- Texas Capital
Texas commercial banking and CRE overlap
- First Financial Bankshares
Texas community-bank and CRE lending overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Home BancShares | $29.62 | +0.03% | $5.97B | 12.2 | 11.7 | 4.3 | +10.7% |
| Bank OZK | $49.40 | −0.02% | $5.39B | 8.2 | 8.5 | 1.9 | +1.8% |
| Simmons First National | $22.69 | +0.02% | $3.29B | — | 10.7 | 5.8 | +69,452.9% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| FB Financial | $57.85 | +0.03% | $2.98B | 15.5 | 11.8 | 2.9 | +18.5% |
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| First Financial Bankshares | $33.39 | +0.03% | $4.78B | 17.9 | 15.8 | 5.5 | +10.3% |
| Median | 12.4 | 11.1 | 3.0 | +10.1% |