Monitor the pace of buyback execution under the new $100M authorization and any M&A deployment of excess capital. Consistent operating performance and strong capital levels support the current valuation, but the in-line earnings provide limited near-term catalyst.
Price Chart
Executive Summary
Central Bancompany reported Q2 2026 GAAP diluted EPS of $0.47, in line with consensus, on total revenue of $282.3M (slightly below the $283.8M estimate). Net income rose 24.5% YoY to $113.8M, driven by NIM expansion to 4.40% and solid fee income growth. The Board authorized a new $100M share repurchase program, replacing the prior $50M authorization, signaling continued capital return.
Key Financial Metrics
Key Facts
- GAAP EPS of $0.47 exactly matched consensus estimates.
- Net income $113.8M, up 24.5% YoY and 2.4% QoQ.
- Net interest income $212.8M, NIM of 4.40% (4.43% FTE), up 13 bps YoY.
- Noninterest income $69.6M, up 38.9% YoY (adjusted +8.3% YoY).
- ROAA of 2.24%, efficiency ratio (FTE) of 46.1%.
- CET1 ratio 28.6%, representing $1.9B of excess capital above the 13.5% target.
- Board authorized a new $100M share repurchase program (replaces prior $50M program).
- Quarterly dividend maintained at $0.12 per share.
Financial Impact
New $100M buyback authorization (1.3% of $7.9B market cap) may support share price; in-line earnings provide no upside surprise.
Risk Factors
- Nonperforming loans increased to 0.49% from 0.45% QoQ, with commercial NPLs up 23%.
- Potential macroeconomic headwinds and geopolitical uncertainty cited by management.
- Deposit costs and competition may compress future NIM expansion.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-052174 |
| Document: investordeckq22026final.htm | 0001628280-26-052174 |
| Document: cbci-20260804.htm | 0001628280-26-052174 |
| Document: 0001628280-26-052174-index-headers.html | 0001628280-26-052174 |
| Document: 0001628280-26-052174-index.html | 0001628280-26-052174 |
| Document: 0001628280-26-052174.txt | 0001628280-26-052174 |
| 8-K Data (Synthetic) | 0001628280-26-052174 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 30, 2026 26d ago | Press Release | $31.25 | awaiting T+60 | — | $34.83 (+11.46%) |
Sep 22, 2026 4w ago | Institutional Cluster | $31.69 | awaiting T+60 | — | $34.83 (+9.91%) |
Aug 4, 2026 11w ago | 8-K | $33.36 | awaiting T+60 | — | $34.83 (+4.41%) |
May 21, 2026 22w ago | Press Release | $28.41 $32.55 | ▲ +14.57% | ▲ +10.27% | $34.83 (+22.60%) |
May 5, 2026 24w ago | 8-K | $27.29 $32.80 | ▲ +20.19% | ▲ +18.13% | $34.83 (+27.63%) |
Apr 28, 2026 25w ago | 8-K | $25.89 $31.71 | ▲ +22.48% | ▲ +18.49% | $34.83 (+34.53%) |
Apr 28, 2026 25w ago | Press Release | $25.89 $31.71 | ▲ +22.48% | ▲ +18.49% | $34.83 (+34.53%) |
Apr 6, 2026 29w ago | Press Release | $24.22 $31.36 | ▲ +29.48% | ▲ +16.01% | $34.83 (+43.81%) |
Mar 25, 2026 30w ago | DEFA14A | $23.93 $28.44 | ▲ +18.85% | ▲ +4.90% | $34.83 (+45.55%) |
US Market Status
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