CoBank, ACB (CBKPP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CoBank, ACB (CBKPP) trades at $99.90. CoBank, ACB is a cooperative bank providing financial services to agricultural and rural sectors in the United States. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for CBKPP: CBKPP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBKPP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on CBKPP.
How is this calculated? →CoBank, ACB (CBKPP) Financial Services Profile
CoBank, ACB, established in 1916, is a cooperative bank providing financial solutions to agricultural and rural communities across the United States. Operating through three segments, it offers a range of loan products, lease financing, and capital market services, serving agricultural cooperatives, rural infrastructure companies, and farmer-owned financial institutions.
What Is the Investment Thesis for CBKPP?
CoBank, ACB presents a unique investment profile due to its cooperative structure and focus on the agricultural and rural sectors. The company's consistent profitability, indicated by a profit margin of 63.4%, suggests efficient operations. Growth catalysts include the increasing demand for agricultural products and infrastructure development in rural areas. However, potential risks involve fluctuations in commodity prices and changes in agricultural policies. With a P/E ratio of 2.88, the company may be undervalued compared to its peers, presenting a potential opportunity for investors seeking exposure to the stable agricultural finance market. The absence of a dividend may deter some investors, but the retained earnings could fuel future growth initiatives.
Based on FMP financials and quantitative analysis
CBKPP Key Highlights
Profit Margin of 63.4% indicates strong operational efficiency and profitability.
- Gross Margin of 100.0% reflects the nature of its financial services business model.
- P/E Ratio of 2.88 suggests potential undervaluation compared to industry peers.
- Serves a diverse range of agricultural and rural clients, providing stability through varied economic conditions.
- Offers a comprehensive suite of financial products, including loans, leases, and capital market services, catering to specific client needs.
Who Are CBKPP's Competitors?
CBKPP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKQNF Bank of Queensland Limited | $3.91 | +0.00% | $2.57B | 60 |
| BOFKF The Bank of Kyoto, Ltd. | $43.50 | +0.00% | $3.23B | 48 |
| CBBYF Virgin Money UK PLC | $2.20 | +0.00% | $3.54B | 48 |
| CSGKF Credit Suisse Group AG | $0.89 | +0.00% | $3.51B | 51 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBKPP's Key Strengths?
Strong focus on agricultural and rural sectors.
- Cooperative structure fosters customer loyalty.
- Comprehensive suite of financial products and services.
- High profit margin of 63.4%.
What Are CBKPP's Weaknesses?
Limited geographic diversification.
- Dependence on the agricultural economy.
- Lack of dividend may deter some investors.
- OTC market trading can limit liquidity.
What Could Drive CBKPP Stock Higher?
Increasing demand for agricultural products driving loan growth.
- Government support for rural infrastructure development.
- Potential for new partnerships with agricultural cooperatives in Q3 2026.
- Launch of new sustainable finance products in Q4 2026.
- Expansion of digital banking services to improve customer experience.
What Are the Key Risks for CBKPP?
Fluctuations in commodity prices impacting borrower repayment capacity.
- Changes in agricultural policies affecting the agricultural sector.
- Increased competition from other financial institutions.
- Economic downturns in rural areas leading to loan defaults.
- Risks associated with trading on the OTC market, including limited liquidity and disclosure.
What Are the Growth Opportunities for CBKPP?
- Expansion of Rural Infrastructure Financing: With increasing demand for improved infrastructure in rural areas, CoBank has the opportunity to expand its financing for rural power, communications, and water cooperatives. The U.S. Department of Agriculture estimates a multi-billion dollar need for rural infrastructure upgrades, presenting a significant market for CoBank's loan products and expertise. This expansion can be achieved within the next 3-5 years.
- Increased Focus on Agribusiness Technology: The adoption of precision agriculture and other technologies is transforming the agribusiness sector. CoBank can capitalize on this trend by offering specialized financing for technology adoption, including equipment leasing and software solutions. The precision agriculture market is projected to reach $12.9 billion by 2027, providing a substantial growth opportunity for CoBank's leasing and loan services. This initiative can be implemented over the next 2-3 years.
- Development of Sustainable Finance Products: As environmental sustainability becomes increasingly important, CoBank can develop and promote sustainable finance products tailored to the agricultural sector. This includes financing for renewable energy projects, water conservation initiatives, and sustainable farming practices. The market for sustainable agriculture is growing rapidly, driven by consumer demand and government incentives, offering a long-term growth opportunity for CoBank.
- Enhancement of Digital Banking Services: To better serve its customers and improve operational efficiency, CoBank can further enhance its digital banking services. This includes expanding mobile banking capabilities, improving online loan application processes, and implementing advanced data analytics for risk management. The adoption of digital banking is increasing rapidly in rural areas, driven by improved internet access and smartphone penetration, presenting a key growth opportunity for CoBank.
- Strategic Partnerships with Agricultural Cooperatives: CoBank can strengthen its relationships with agricultural cooperatives by forming strategic partnerships to offer bundled financial and technical services. This includes providing financial planning, risk management, and market access support to cooperative members. These partnerships can enhance CoBank's market reach and customer loyalty, while also supporting the growth and sustainability of agricultural cooperatives.
What Are CBKPP's Competitive Advantages?
- Cooperative structure fosters strong relationships with agricultural clients.
- Deep understanding of the agricultural and rural sectors.
- Specialized financial products tailored to the needs of its customers.
- Extensive network of agricultural cooperatives and rural businesses.
What Does CBKPP Do?
CoBank, ACB, founded in 1916, is a cooperative bank headquartered in Greenwood Village, Colorado. It provides financial products and services to agricultural and rural sectors throughout the United States. The bank operates through three primary segments: Agribusiness, Farm Credit Banking, and Rural Infrastructure. Its offerings include a variety of loan products, such as intermediate- and long-term loans, revolving term loans, and short-term lines of credit, tailored to meet the diverse needs of its customer base. CoBank also provides lease financing for agricultural and forestry equipment, as well as trade finance products like letters of credit and pre-export financing. Furthermore, the company offers capital market services, including debt capital raising and secondary market trading, alongside cash management solutions such as online and mobile banking. CoBank serves agricultural cooperatives, food and agribusiness companies, rural power and communications cooperatives, and other businesses that support agriculture and rural communities, playing a crucial role in the financial stability and growth of these sectors.
What Products and Services Does CBKPP Offer?
- Provides intermediate- and long-term loans to agricultural cooperatives.
- Offers revolving term loans and short-term lines of credit.
- Provides lease financing for agricultural and forestry equipment.
- Offers trade finance products, including letters of credit.
- Provides capital market services, including debt capital raising.
- Offers cash management services, including online and mobile banking.
- Finances rural power, communications, and water cooperatives.
How Does CBKPP Make Money?
- Generates revenue through interest income from loans.
- Earns fees from lease financing and capital market services.
- Provides cash management services for a fee.
- Manages and leases mineral interests for income.
What Industry Does CBKPP Operate In?
CoBank, ACB operates within the regional banking sector, focusing specifically on the agricultural and rural markets. This sector is influenced by factors such as commodity prices, government policies, and technological advancements in agriculture. The competitive landscape includes other regional banks and specialized agricultural lenders. CoBank differentiates itself through its cooperative structure and deep understanding of the unique financial needs of its target market. The agricultural finance market is expected to grow steadily, driven by increasing global food demand and the need for infrastructure development in rural areas.
Who Are CBKPP's Key Customers?
- Agricultural cooperatives
- Food and agribusiness companies
- Rural power, communications, and water cooperatives
- Agricultural credit associations
- Farmer-owned financial institutions
Company Profile
CoBank, ACB operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Greenwood Village, US. The company is led by CEO Thomas E. Halverson. CBKPP has traded publicly since 2013.
Quarterly Financial Performance: CoBank, ACB
Revenue for CoBank, ACB came in at $612.0M during Q2 2024. The company recorded net income of $390.0M, with diluted EPS of $9.52.
Key Financial Metrics
Return on equity for CoBank, ACB stands at 13.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. CBKPP trades at a trailing price-to-earnings ratio of 2.88, below the Financial Services sector average of ~18x. Its free cash flow yield is 56.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 4.03 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 34.7%, the inverse of the P/E and a quick read on earnings relative to price.
CBKPP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong focus on agricultural and rural sectors.
- Cooperative structure fosters customer loyalty.
- Comprehensive suite of financial products and services.
- High profit margin of 63.4%.
Bear Case
- Limited geographic diversification.
- Dependence on the agricultural economy.
- Lack of dividend may deter some investors.
- OTC market trading can limit liquidity.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2024 | $612M | $390M | $9.52 |
| Q1 2024 | $617M | $414M | $10.19 |
Based on FMP financials and quantitative analysis
CBKPP Latest News
No recent news available for CBKPP.
CBKPP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBKPP.
Price Targets
Wall Street price target analysis for CBKPP.
CBKPP MoonshotScore
What does this score mean?
The MoonshotScore rates CBKPP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Thomas E. Halverson
CEO
Thomas E. Halverson serves as the CEO of CoBank, ACB, leading a workforce of 1103 employees. His career spans several decades in the financial services industry, with a particular focus on agricultural finance. He has held various leadership positions within CoBank, demonstrating a deep understanding of the company's operations and strategic direction. Halverson's expertise lies in developing and implementing financial solutions tailored to the unique needs of agricultural and rural communities.
Track Record: Under Thomas Halverson's leadership, CoBank, ACB has maintained a strong financial performance, with a consistent profit margin and a focus on serving its cooperative members. He has overseen the expansion of the bank's services to include new technologies and sustainable finance products. Halverson has also played a key role in navigating the challenges of the agricultural sector, ensuring the bank's continued stability and growth.
CBKPP OTC Market Information
The OTC Other tier, where CBKPP trades, represents the lowest tier of the OTC market. Companies in this tier often have limited or no financial disclosure and may not meet minimum financial standards. This tier contrasts with exchanges like the NYSE or NASDAQ, which have stringent listing requirements, including minimum share prices, market capitalization, and financial reporting standards. Trading on the OTC Other tier carries higher risks due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in CBKPP.
- Low trading volume and wide bid-ask spread can lead to price volatility.
- OTC Other tier listing indicates a lack of regulatory oversight.
- Potential for fraud or manipulation is higher on the OTC market.
- Difficulty in obtaining reliable information about the company's operations and financial condition.
- Verify the company's financial statements and audit reports.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive position.
- Evaluate the company's regulatory compliance and legal risks.
- Check for any red flags or warning signs, such as lawsuits or regulatory actions.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Established history as a cooperative bank since 1916.
- Focus on serving agricultural and rural communities.
- Operations across three segments: Agribusiness, Farm Credit Banking, and Rural Infrastructure.
- Presence of a CEO and management team.
Common Questions About CBKPP (Financial Services)
What does CoBank, ACB do?
CoBank, ACB is a cooperative bank that provides financial products and services to agricultural and rural sectors in the United States. It operates through three segments: Agribusiness, Farm Credit Banking, and Rural Infrastructure.
What are the main risks for CBKPP?
The main risks for CBKPP include fluctuations in commodity prices, which can impact the repayment capacity of its borrowers. Changes in agricultural policies can also affect the agricultural sector and the demand for CoBank's services. Increased competition from other financial institutions poses a threat to the bank's market share. Economic downturns in rural areas can lead to loan defaults.
What are the key factors to evaluate for CBKPP?
Evaluate CBKPP on fundamentals, analyst consensus, and risk factors. CoBank, ACB presents a unique investment profile due to its cooperative structure and focus on the agricultural and rural sectors. Not financial advice.
How frequently does CBKPP data refresh on this page?
CBKPP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CBKPP's recent stock price performance?
CoBank, ACB (CBKPP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on agricultural and rural sectors. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBKPP overvalued or undervalued right now?
CoBank, ACB (CBKPP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CBKPP before investing?
Before investing in CoBank, ACB (CBKPP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CBKPP to a portfolio?
Key strength of CoBank, ACB (CBKPP): Strong focus on agricultural and rural sectors. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis is pending for CBKPP.
- Disclosure status on OTC market is unknown, requiring additional due diligence.