The strong beat and improved NIM and efficiency suggest continued operating leverage. Monitor loan growth trajectory and deposit cost trends in coming quarters; the elevated capital position supports further buybacks and dividend growth.
Price Chart
Executive Summary
Central Bancompany reported Q1 2026 GAAP EPS of $0.46, beating the $0.43 consensus by 7.0%, with net income of $111.1M up 17.2% YoY. Net interest income grew 10.2% YoY to $208.6M, NIM expanded to 4.32% from 4.19%, and the efficiency ratio improved to 46.3%. The beat was driven by solid loan and deposit growth, disciplined expense management, and higher noninterest income, though linked-quarter EPS declined slightly from $0.47.
Key Financial Metrics
Key Facts
- GAAP EPS $0.46 vs consensus $0.43 (beat by 7.0%)
- Net income $111.1M, up 17.2% YoY from $94.8M
- Net interest income $208.6M, up 10.2% YoY
- Net interest margin 4.32% vs 4.19% YoY
- Efficiency ratio improved to 46.3% from 49.3% YoY
- Average deposits grew 5.2% YoY to $15.5B
- Repurchased 1.3M shares at avg $24.03; dividend increased 118% to $0.12/share
- CET1 ratio 28.6%, well above 13.5% target
Financial Impact
EPS beat of $0.03 (7.0%) on consensus $0.43; net income +$16.3M YoY
Risk Factors
- Linked-quarter NIM compression from 4.38% to 4.32%
- Nonperforming loans rose to 0.45% from 0.43% YoY
- Consumer net charge-offs increased 25.2% QoQ
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3282596 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $35.11 | awaiting T+60 | — | $34.53 (−1.65%) |
Oct 27, 2026 today | Press Release | $35.11 | awaiting T+60 | — | $34.53 (−1.65%) |
Sep 30, 2026 27d ago | Press Release | $31.25 | awaiting T+60 | — | $34.53 (+10.50%) |
Sep 22, 2026 4w ago | Institutional Cluster | $31.69 | awaiting T+60 | — | $34.53 (+8.96%) |
Aug 4, 2026 12w ago | 8-K | $33.36 | awaiting T+60 | — | $34.53 (+3.51%) |
May 21, 2026 22w ago | Press Release | $28.41 $32.55 | ▲ +14.57% | ▲ +10.27% | $34.53 (+21.54%) |
May 5, 2026 24w ago | 8-K | $27.29 $32.80 | ▲ +20.19% | ▲ +18.13% | $34.53 (+26.53%) |
Apr 28, 2026 26w ago | 8-K | $25.89 $31.71 | ▲ +22.48% | ▲ +18.49% | $34.53 (+33.37%) |
Apr 28, 2026 26w ago | Press Release | $25.89 $31.71 | ▲ +22.48% | ▲ +18.49% | $34.53 (+33.37%) |
Apr 6, 2026 29w ago | Press Release | $24.22 $31.36 | ▲ +29.48% | ▲ +16.01% | $34.53 (+42.57%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers