Provides community banking solutions, including checking, savings, and health savings accounts. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
The market pays 19.8× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 50% of them.
Analysts' average target sits 2% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 32% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
It pays out $0.36 per share each year — regular cash for whoever holds the stock.
The growth engine is running at low revs right now. Report-card grade: 27/100.
On our five-subject report card, CBC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CBC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the growth trend.