Central Bancompany, Inc. (CBC) · Oct 27, 2026 · Earnings

Central Bancompany earnings miss as margin gains mask softer fees

Miss — Diluted EPS $0.48 vs ~$0.49 consensus; revenue ~$285.7M vs ~$288.6M

Central Bancompany earnings show stronger margins, loan growth and operating leverage, but Q3 EPS and revenue came in below consensus.

Central Bancompany is a roughly $20 billion relationship-focused community bank using loan growth, core deposits, wealth management and technology to expand across Missouri, Kansas, Oklahoma, Colorado and Florida.

The quarter missed the immediate earnings bar. Diluted EPS was $0.48 versus a published consensus of roughly $0.49, while revenue was approximately $285.7 million versus consensus near $288.6 million. That makes this a narrow earnings miss, even though reported net income rose 19.7% year over year. (Quarterly Consolidated Statements of Income)

Metric	Q3 2026	Q2 2026	Q3 2025	Read-through
Net income	$116.2M	$113.8M	$97.1M	+19.7% YoY (Quarterly Consolidated Statements of Income)
Diluted EPS	$0.48	$0.47	$0.44	Below ~$0.49 consensus (Quarterly Consolidated Statements of Income)
Net interest income	$218.9M	$212.8M	$198.9M	+10.0% YoY (Quarterly Consolidated Statements of Income)
Net interest margin	4.48%	4.40%	4.36%	Continued expansion (Financial Ratios)
Adjusted noninterest income	$66.6M	$68.9M	$64.0M	+4.0% YoY (Non-GAAP Reconciliation)
Noninterest expense	$131.0M	$131.4M	$126.9M	+3.2% YoY (Quarterly Consolidated Statements of Income)
Efficiency ratio, FTE	45.4%	46.1%	47.7%	Improving operating leverage (Non-GAAP Reconciliation)

The core banking engine improved. Net interest income reached $218.9 million, up 10.0% year over year, as the margin widened to 4.48% from 4.36%. Loan balances grew 3.6% year over year, deposits grew 4.4% on average, and the deposit cost fell to 1.11%, giving CBC a stronger spread and more funding for future loan growth. (Net Interest Income and Net Interest Margin; Quarterly Average Consolidated Balance Sheets)

Operating leverage was a genuine positive. Expense growth stayed well below revenue growth, pushing the FTE efficiency ratio down to 45.4% from 47.7% a year earlier. Wealth management remained the strongest fee franchise, with revenue up 16.7% to $23.6 million and assets under advice up 13.8% to $17.5 billion.

The miss came from mix, not a broad operating breakdown. Adjusted noninterest income grew only 4.0% year over year, and mortgage banking revenue fell 14.3% to $8.8 million as higher rates reduced origination volumes. That weakness was enough to leave both adjusted EPS and revenue just short of expectations despite better spread income and expense control.

Credit remains manageable, though commercial problem loans deserve monitoring. Nonperforming assets rose to 33 basis points of assets from 30 basis points a year earlier, while nonperforming commercial loans increased to $32.8 million from $18.3 million. Charge-offs stayed low at 12 basis points and the allowance ratio held at 1.29%, so the filing does not indicate an immediate credit deterioration, but commercial delinquencies are moving in the wrong direction. (Asset Quality)

Capital remains abundant but under-earning. CBC ended the quarter with a 29.1% consolidated CET1 ratio and roughly $2.0 billion of excess capital, while the bank-level CET1 ratio was 13.4%. The company repurchased $3.8 million of shares during the quarter against a $100 million authorization, but the presentation also shows excess capital generating only a 2.8% return versus 13.1% adjusted ROTCE on the overall tangible equity base. (Capital; Capital Position; Reconciliation of Certain Non-GAAP Metrics)

Bottom line: CBC’s business trends are healthy—margins, deposits, loan growth and efficiency all improved—but the actual quarter still fell narrowly below the market’s earnings and revenue expectations. The filing advances the operating story, but not enough to earn a beat because mortgage banking softness and modest commercial-credit migration diluted the stronger core performance.

What to watch next

Q4 earnings report, early 2027

Original filing on SEC EDGAR

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AllSight · BlackBerry Q2 FY27

Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
Licensing jumped to $22.1M from $6.6M — it amplified the beat, but it's less recurring than QNX, so the quality sits in QNX.Segment — Licensing
FY27 guide lifted to $616–636M rev / $141–158M EBITDA, above the prior $594–621M / $119–139M framework.Guidance
QNX growth, margins, cash and a raised outlook all beat. But licensing amplified it and Secure Comms is flat — net retention 91% from 93%.Segment — Secure Comms

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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

Renewables drove nearly all of the upside — the operating backdrop was strong, but the result also benefited materially from tax credits. Renewables' adjusted pretax income rose to $88 million on record production, stronger ethanol margins and merchandising gains. It also received $24 million of 45Z producer tax credits, so this was not solely a repeatable plant-margin improvement; the company did cite healthy export and domestic ethanol demand as supportive. Renewables — Record Q2 · Segment Data

Agribusiness improved, but it was a supporting contributor rather than the main earnings engine. Adjusted pretax income increased to $20 million as fertilizer margins improved and merchandising benefited from commodity-price volatility, despite lower fertilizer volumes. Agribusiness — Improved Q2 · Segment Data

Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

Community sentiment · 612 votes

58% bullish

Bull 58%Neu 27%Bear 15%

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Central Bancompany earnings miss as margin gains mask softer fees

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