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38

CBC

๐Ÿฆ Financial Services

Central Bancompany, Inc. Class A Common Stock

Conservative #918Aggressive #409Moderate RiskFโ†‘ 21pt
$24.15-1.55%
Day High$24.56
Day Low$23.71
Volume0.3M
Mkt Cap$5.8B
52W Low $2352W High $26
Market Cap
$6.1B
P/E Ratio
18.1
Sector avg: 26.8
Rev Growth
32.1%
Sector avg: 13.4%
Earnings Growth
67.6%
Profit Margin
38.6%
Sector avg: -2.8%
Debt/Equity
N/A

Why This Score

CBC scores 38.1 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 38.6%, indicating pricing power and operational efficiency.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.
  • Above-average volatility (20.0%) may not suit conservative risk tolerance.

Moderate penalties (-3.5 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.

Score Breakdown

Overall Score38.1
Fundamental Score42.2
ML Score24.0

Score by Horizon

3 Month
24.4
6 Month
27.2
Primary
1 Year
28.7

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage

Position Sizing

Suggested Allocation
4%
Confidence
medium

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
50
Basing
Sentiment (2.5%)
51
Neutral
Analyst (6.4%)
63
Favorable
Tradability (post-hoc)
60
Grade Bsideways trading
Base
35.6
SHAP
+3.0
Divergence
-0.5
Final
38.1
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

69AVG
Value78
Quality57
Growth100
Stability60
Investment50

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)75.0
Technical (Momentum, Weinstein, Volatility)52.0
External (Sentiment, Analyst, Macro)78.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage60%

Growth Estimates

Short-term
-7.1% to -1.8%
Medium-term
-9.9% to -2.2%
Long-term
-12.8% to -2.6%

ML Model Core Features100 trained inputs โ†’ ML Score: 24

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score62.5/100
Target Upside+20.0%
Coverage2 analysts
Market Sentiment
Sentiment Score51.2/100
News Volume1 articles
Technical Stage
Weinstein Stage1 โ€” Basing
Volatility+0.2%
Momentum & Technical
Momentum Acceleration+0.0%
Momentum ConsistencyDivergent (0.00)
Relative Strength vs Sector-8.9%
Trend Strength (ADX Proxy)Weak (0.0)
Momentum Quality+0.000
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
2%
Low risk
Sector RevGr Rank
P87
Revenue growth vs Financial Services peers
Sector PE Rank
P41
Valuation vs Financial Services peers
Sector FCF Rank
P29
Free cash flow vs Financial Services peers
Growth Deviation
+0.4ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 42 relative to sector peers42/100
Machine learning ensemble ranks this stock at the 24th percentileP24
Blended score: 80% fundamental (42) + 20% ML (24) = 38.638.6
Risk assessment: low. Low vol 0.2%Low
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +3.0pt (features align with model priorities)SHAP
Divergence penalty: -0.5pt (ML 18pt lower)Divergence
Risk Factors
Data quality penalty: -1.0ptData
Liquidity penalty: -2.0pt (grade B)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #253 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
CBC38.118.132.1%38.6%$6.1B
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Market Sentimentvia FMP

Analyst Consensus
Buy2 analysts
Buy: 1Hold: 1
Price Target
$29consensus
Low $27Median $30High $31
+21.1% to consensus target

Company Overviewvia FMP

Central Bancompany, Inc., a multi-bank holding company, provides community banking products and services for individuals, businesses, corporates, and governments in Missouri, Kansas, Illinois, Iowa, Oklahoma, Colorado, North Carolina, Tennessee, and Florida. The company offers checking, savings, and health savings accounts; home, student, powersport, auto, personal, equipment, real estate, line of credit, and small business association loans; and mortgage, as well as home equity, credit cards, and commercial lending. It also provides brokerage, investor, retirement, and trust and wealth management services; insurance products; annuities; and cash management and investment advisory services. In addition, the company offers payment, merchant, and investment services; equipment lease and municipal financing, and business expansion financing; and custody and trust services, as well as relationship, online, and mobile banking services. The company was founded in 1902 and is headquartered in Jefferson City, Missouri.

CEO
John T. Ross
Employees
2,800
Beta
-0.03
Industry
Banks - Regional

Technical Picturecomputed from daily prices

RSI (14)
48.8
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-5.3%
High: $25.5
From 52W Low
+9.8%
Low: $21.99
Moving Averages
10-Day
$24.60
Below
20-Day
$24.50
Below
50-Day
$24.20
Below
200-Day
N/A
60-Day Support
$22.5
60-Day Resistance
$25.5

Entry & Exit Zones

Avoid
No Entry
โ€”
Insufficient technical data
Exit Target
โ€”
โ€”
Stop Level
โ€”
โ€”

Not enough price history to compute reliable entry and exit zones for this stock.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Why This Stock

Financial ServicesP/E ratio of 18.1Revenue growth 32.1%Profit margin 38.6%

Tradability FilterGrade B โ€” 60/100Score impact: -13.9pt

Volume
56
261K avg/day
Dollar Vol
53
$6M/day
Float
100
221M shares
Mkt Cap
70
$6.1B
Range
0
13% spread
Composite Liquidity Score60/100
FDCBA
sideways trading

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
91.7%
Outstanding Shares
241M
Bid-Ask Spread
13.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.