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Central BancompanyCBC -1.40%44 Return-on-Tangible-Equity is 12.92% as of Mar. 2026, which is 2% above its 10-year median of 12.61. GuruFocus rates CBC with a GF Score™ of 44/100 and a GF Value™ of $15.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Central Bancompany ranks worse than 76.08% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Central Bancompany's annualized net income for the quarter that ended in Mar. 2026 was $444.4 Mil. Central Bancompany's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $3,439.9 Mil. Therefore, Central Bancompany's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.92%.
The historical rank and industry rank for Central Bancompany's Return-on-Tangible-Equity or its related term are showing as below:
CBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.71 Med: 12.61 Max: 13.14
Current: 6.71
During the past 7 years, Central Bancompany's highest Return-on-Tangible-Equity was 13.14%. The lowest was 6.71%. And the median was 12.61%.
CBC's Return-on-Tangible-Equity is ranked worse than 76.08% of 1522
companies
in the Banks industry
Industry Median: 11.35
vs CBC: 6.71
Central Bancompany (NAS:CBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Central Bancompany Return-on-Tangible-Equity Related Terms
Central Bancompany Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Central Bancompany's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Central Bancompany Return-on-Tangible-Equity Chart
CBC vs VLY, CBSH, FNB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Central Bancompany's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Central Bancompany Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Central Bancompany's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Central Bancompany's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.92% mean?
Central Bancompany (CBC) has a Return-on-Tangible-Equity of 12.92% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Central Bancompany and its competitors. This is near median its historical median of 12.61. Over the past decade, Central Bancompany's Return-on-Tangible-Equity has ranged from 6.71 to 13.14. According to the industry distribution chart, Central Bancompany ranks #1158 out of 1522 companies in the Banks industry, placing it in the top 76.1%.
Is Central Bancompany's Return-on-Tangible-Equity too high?
Central Bancompany's current Return-on-Tangible-Equity of 12.92% is near median its 10-year median of 12.61. Over the past 10 years, this metric has ranged from a low of 6.71 to a high of 13.14. The Banks industry median Return-on-Tangible-Equity is 11.35. Central Bancompany's value of 12.92% is 13.8% above this industry median. Based on the distribution chart, Central Bancompany ranks #1158 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Central Bancompany has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Bancompany's Return-on-Tangible-Equity compare to VLY and CBSH?
According to the Banks industry distribution chart, Central Bancompany ranks #1158 out of 1522 companies for Return-on-Tangible-Equity. This places Central Bancompany in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.35. Central Bancompany's value of 12.92% is 13.8% above this benchmark. Historically, Central Bancompany's own Return-on-Tangible-Equity has ranged from 6.71 to 13.14 over the past decade. While the company's 10-year median is 12.61 vs. the industry median of 11.35, Central Bancompany has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.35, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Bancompany's current Return-on-Tangible-Equity of 12.92% is 13.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Central Bancompany and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Bancompany's current Return-on-Tangible-Equity is 12.92%, which is near median its own 10-year median of 12.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Bancompany stock overvalued right now?
Based on GuruFocus' analysis, Central Bancompany (CBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.19, compared to a current price of $33.04 — trading 117.5% above its estimated fair value. The current Return-on-Tangible-Equity is 12.92%, which is near median its 10-year median of 12.61 and 13.8% above the Banks industry median of 11.35. Central Bancompany's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Central Bancompany (CBC), the current Return-on-Tangible-Equity is 12.92% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Central Bancompany (CBC) Overvalued in 2026?
Based on GuruFocus' analysis, Central Bancompany stock appears to be overvalued.
The current stock price of $33.04 is trading 117.5% above its estimated GF Value™ of $15.19.
GuruFocus considers Central Bancompany to be Significantly Overvalued.
Key valuation signals for CBC:
Return-on-Tangible-Equity: 12.92% (near median its 10-year median of 12.61)
GF Value™: $15.19 vs. price of $33.04 (117.5% above fair value)
Industry Position: 13.8% above the Banks median (#1158 of 1522)
No single metric tells the full story. See the CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Bancompany Inc is a bank holding company that provides a broad range of retail, corporate, mortgage banking, wealth management, and trust products and services to individuals and businesses. Its operating segments include Consumer, Commercial, and Wealth Management. The company generates the majority of its revenue from the Commercial segment, which provides full-service relationship banking solutions to businesses, agencies, and community organizations, including commercial, small business, and government clients. The segment also offers business payment solutions such as treasury management services, merchant services, and commercial bank card products.
44GF Score
Get the complete analysis for CBC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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