CBC Holding Company (CBHC)

CBC Holding Company (CBHC) — VMCI valuation read

CBC Holding Company sits at VMCI 47/100, with the Financial Services sector median at 50. That 3-point spread is the first thing to note on CBHC: it tells the reader the composite is unfavorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on CBHC are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on CBHC: CBHC trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 3.1x is the binding constraint on the bear case, anchoring the bear scenario on a measurable balance-sheet metric.

CBHC rose 0.8% over the trailing 7 days, with a -12.9% read on a 30-day basis.