CBC Holding Company (CBHC) Stock Analysis & Winston Score

CBC Holding Company is a small regional bank holding company based in the United States. It owns a community bank that offers everyday banking services like checking and savings accounts, loans, and mortgages. Its main customers are individuals and small businesses in the local communities it serves.

The company makes money primarily through net interest income — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. With a market cap near zero, this is a very small institution with limited geographic reach and little public information available. Small community banks like this face real pressure from larger national banks and fintech apps that can offer lower fees and more convenient digital tools, which remains a key long-term risk to its ability to hold onto customers.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+12.1% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

34.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$23M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

CBC Holding Company is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.1% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 693K (2014) → 694K (2018)

Score breakdown

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

19.7%

Healthy — 19.7% operating margin

ROCE

3.3%

Weak — 3.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

N/A

Data not available

EPS YoY

N/A

Data not available

EPS Consistency

N/A

Data not available

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Cash Flow

Cash Conversion

-68%

Weak — only -68% of profit becomes cash

FCF Margin

-12.4%

Burning cash (-12.4%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.67x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

20.4x

Growth-priced — P/E 20.4

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

8.45%

Healthy income — 8.45% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+29.7%

Dividend growing fast (29.7% YoY)

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