CBC (Central Bancompany) Scaled Net Operating Assets: -0.21 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CBC Central Bancompany Inc CBC
44 GF Score
Price $32.95
GF Value $15.19
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Central Bancompany Scaled Net Operating Assets?

Central Bancompany CBC -0.27% 44 Scaled Net Operating Assets is -0.21 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Central Bancompany's operating assets for the quarter that ended in Mar. 2026 was $12,338.0 Mil. Central Bancompany's operating liabilities for the quarter that ended in Mar. 2026 was $16,658.0 Mil. Central Bancompany's Total Assets for the quarter that ended in Dec. 2025 was $20,752.0 Mil. Therefore, Central Bancompany's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.21.

CBC
44GF Score
Central Bancompany Inc CBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Central Bancompany Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Central Bancompany's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(18687.136-16968.001)/19242.543
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=20751.978 - 2064.842
=18687.136

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16968.001 - 0 - 0
=16968.001

Central Bancompany's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(12337.995-16658.045)/20751.978
=-0.21

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=20456.371 - 8118.376
=12337.995

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16658.045 - 0 - 0
=16658.045

* 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.

What does a Scaled Net Operating Assets of -0.21 mean?
Central Bancompany (CBC) has a Scaled Net Operating Assets of -0.21 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Central Bancompany and its competitors.
Is Central Bancompany's Scaled Net Operating Assets too high?
Central Bancompany's current Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets compare to VLY and CBSH?
Central Bancompany's Scaled Net Operating Assets of -0.21 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Central Bancompany and its competitors. Central Bancompany's current Scaled Net Operating Assets is -0.21. 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 $32.95 — trading 116.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Central Bancompany (CBC), the current Scaled Net Operating Assets is -0.21 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 $32.95 is trading 116.9% above its estimated GF Value™ of $15.19. GuruFocus considers Central Bancompany to be Significantly Overvalued.

Key valuation signals for CBC:

  • Scaled Net Operating Assets: -0.21
  • GF Value™: $15.19 vs. price of $32.95 (116.9% above fair value)
  • GF Score™: 44/100 with 5 warning signs

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 Business Description

Address 238 Madison Street, Jefferson, MO, USA, 65101
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.95
Price
$15.19
GF Value