CBSH
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 16.06 | 14.67 | 17.63 | 15.91 |
| Price to Sales | 5.04 | 4.41 | 5.71 | 5.92 |
| Book Value Per Common Share | 24.62 | 21.49 | 17.85 | 24.40 |
| Price to Book | 2.53 | 2.37 | 3.46 | 2.43 |
| Price to Operating Cash Flow | 14.51 | 14.32 | 15.40 | 14.13 |
| Price to Free Cash Flow | 15.76 | 17.47 | 17.43 | 15.61 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 53.69 | 54.54 | 63.50 | 61.69 | 52.82 |
| Price to Sales | 16.78 | 18.46 | 19.67 | 19.85 | 17.00 |
| Book Value Per Common Share | 28.35 | 27.23 | 25.98 | 24.62 | 25.41 |
| Price to Book | 2.11 | 2.28 | 2.40 | 2.53 | 2.23 |
| Price to Operating Cash Flow | 58.38 | 74.06 | 59.68 | -61.44 | 16.75 |
| Price to Free Cash Flow | 66.49 | 81.93 | 65.64 | -55.73 | 17.26 |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 11.92 | -0.98 | -6.18 | |
| Revenue YoY | 4.88 | 5.10 | 5.85 | |
| EBITDA YoY | ||||
| Net Profit YoY | 10.28 | -2.30 | -7.98 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | -2.37 | 16.33 | -2.97 | -5.70 | |
| Revenue YoY | 0.60 | 6.12 | -0.61 | -0.51 | |
| EBITDA YoY | |||||
| Net Profit YoY | -7.18 | 15.87 | -3.34 | -1.37 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 8.60 | 9.69 | 11.85 | 9.64 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.51 | 7.82 | 8.25 | 8.60 | 8.12 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.63 | 1.49 | 1.52 | 1.43 |
| ROE | 15.65 | 15.95 | 19.50 | 15.25 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 31.34 | 29.81 | 32.07 | 36.88 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.43 | 0.47 | 0.40 | 0.42 | 0.43 |
| ROE | 3.70 | 4.13 | 3.73 | 4.05 | 3.96 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 31.23 | 33.85 | 31.00 | 31.87 | 32.15 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 27.83 | 28.50 | 26.34 | 23.33 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 26.39 | 25.90 | 29.07 | 25.67 | 29.54 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 31,996,627.00 | 31,701,061.00 | 31,875,931.00 | 36,689,088.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 3,372,910.00 | 2,682,157.00 | 841,636.00 | 4,276,756.00 |
| Short-Term Investments | 9,136,853.00 | 9,684,760.00 | 12,238,316.00 | 14,450,027.00 |
| Net Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 475,275.00 | 469,059.00 | 418,909.00 | 388,738.00 |
| Goodwill | 146,539.00 | 146,539.00 | 138,921.00 | 138,921.00 |
| Intangible Assets | 13,632.00 | 14,179.00 | 15,234.00 | 15,570.00 |
| Long-Term Investments | 9,416,715.00 | 9,902,958.00 | 12,473,704.00 | 14,654,704.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 28,664,152.00 | 28,736,831.00 | 29,394,354.00 | 33,240,764.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 56.00 | 1,404.00 | 9,672.00 | 12,560.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 3,332,475.00 | 2,964,230.00 | 2,481,577.00 | 3,448,324.00 |
| Shareholders Equity | 3,309,881.00 | 2,944,116.00 | 2,465,291.00 | 3,437,298.00 |
| Capital Stock | 676,054.00 | 655,322.00 | 629,319.00 | 610,804.00 |
| Share Premium | 3,395,645.00 | 3,162,622.00 | 2,932,959.00 | 2,689,894.00 |
| Retained Earnings | 45,494.00 | 53,183.00 | 31,620.00 | 92,493.00 |
| Treasury Shares | 48,401.00 | 35,599.00 | 41,743.00 | 32,973.00 |
| Accumulated Other Comprehensive Income | -758,911.00 | -891,412.00 | -1,086,864.00 | 77,080.00 |
| Minority Interest | 22,594.00 | 20,114.00 | 16,286.00 | 11,026.00 |
| Debt | 56.00 | 1,404.00 | 9,672.00 | 12,560.00 |
| Common Shares Outstanding | 134,426.61 | 136,975.52 | 138,097.76 | 140,864.80 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 1,663,622.00 | 1,586,159.00 | 1,509,226.00 | 1,425,876.00 |
| Interest Income | 1,469,557.00 | 1,381,291.00 | 998,979.00 | 848,290.00 |
| Interest Expense | 429,311.00 | 383,162.00 | 56,794.00 | 12,866.00 |
| Non-Interest Expense | 951,229.00 | 930,982.00 | 848,777.00 | 0 |
| Selling, General and Administrative Expenses | 646,697.00 | 641,737.00 | 588,457.00 | 556,198.00 |
| EBT | 679,490.00 | 619,726.00 | 632,378.00 | 686,301.00 |
| Income Tax | 145,089.00 | 134,549.00 | 132,358.00 | 145,711.00 |
| Net Income Including Non-Controlling Interests | 534,401.00 | 485,177.00 | 500,020.00 | 540,590.00 |
| Net Income Non-Controlling Interests | -8,070.00 | -8,117.00 | -11,621.00 | -9,825.00 |
| Net Income | 521,417.00 | 472,819.00 | 483,949.00 | 525,919.00 |
| Deprecation and Amortization | 54,076.00 | 49,513.00 | 46,856.00 | 44,866.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 134,522.00 | 137,613.46 | 139,497.38 | 142,228.43 |
| Average Shares Outstanding Diluted | 134,688.00 | 137,613.46 | 139,497.38 | 142,228.43 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 577,859.00 | 488,769.00 | 559,385.00 | 597,722.00 |
| Operating Net Income | 534,401.00 | 485,177.00 | 500,020.00 | 540,590.00 |
| Deprecation and Amortization | 54,076.00 | 49,513.00 | 46,856.00 | 44,866.00 |
| Deferred Income Tax | -591.00 | -7,399.00 | 21,716.00 | 25,613.00 |
| Share Based Compensation | 17,031.00 | 17,052.00 | 16,995.00 | 15,415.00 |
| Change in Working Capital | -17,003.00 | 45,250.00 | -38,321.00 | 11,434.00 |
| Other Operating Activities | -10,055.00 | -100,824.00 | 12,119.00 | -40,196.00 |
| Investing Cash Flow | 483,787.00 | 2,183,832.00 | 242,271.00 | -2,082,758.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -37,242.00 | -83,716.00 | -62,206.00 | -47,857.00 |
| Net Purchase/Sale of Investments Net | 750,704.00 | 2,831,215.00 | 650,369.00 | -2,407,974.00 |
| Net Purchase/Sale of Business | 0 | -6,365.00 | 0 | 0 |
| Other Investing Activities | -229,675.00 | -557,302.00 | -345,892.00 | 373,073.00 |
| Financing Cash Flow | -372,937.00 | -883,119.00 | -4,200,809.00 | 3,573,662.00 |
| Net Issuance/Repayment of Debt | -1,348.00 | -8,268.00 | -2,888.00 | 11,758.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | -186,622.00 | -129,361.00 |
| Dividends Paid | -145,093.00 | -134,734.00 | -127,466.00 | -122,693.00 |
| Other Financing Activities | 0 | 0 | -3,883,833.00 | 3,813,958.00 |
| Net Change in Cash | 688,709.00 | 1,789,482.00 | -3,399,153.00 | 2,088,626.00 |
| Cash at Beginning of Period | 2,687,283.00 | 897,801.00 | 4,296,954.00 | 2,208,328.00 |
| Cash at End of Period | 3,375,992.00 | 2,687,283.00 | 897,801.00 | 4,296,954.00 |
| Free Cash Flow | 531,726.00 | 400,695.00 | 494,194.00 | 541,006.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 32,288,688.00 | 32,284,247.00 | 32,364,964.00 | 31,996,627.00 | 31,493,592.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 2,954,109.00 | 3,146,313.00 | 3,273,853.00 | 3,372,910.00 | 3,149,989.00 |
| Short-Term Investments | 2,298,586.00 | 2,015,779.00 | 2,964,947.00 | 9,136,853.00 | 9,167,681.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 483,000.00 | 477,401.00 | 476,921.00 | 475,275.00 | 469,986.00 |
| Goodwill | 146,539.00 | 146,539.00 | 146,539.00 | 146,539.00 | 146,539.00 |
| Intangible Assets | 13,329.00 | 13,333.00 | 13,441.00 | 13,632.00 | 13,722.00 |
| Long-Term Investments | 2,589,566.00 | 2,290,990.00 | 3,255,316.00 | 9,416,715.00 | 9,438,414.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 28,495,641.00 | 28,624,133.00 | 28,866,562.00 | 28,664,152.00 | 28,040,053.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 9,270.00 | 15,049.00 | 17,743.00 | 56.00 | 10,201.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 3,793,047.00 | 3,660,114.00 | 3,498,402.00 | 3,332,475.00 | 3,453,539.00 |
| Shareholders Equity | 3,771,665.00 | 3,640,572.00 | 3,477,787.00 | 3,309,881.00 | 3,432,081.00 |
| Capital Stock | 676,054.00 | 676,054.00 | 676,054.00 | 676,054.00 | 655,322.00 |
| Share Premium | 3,390,526.00 | 3,386,218.00 | 3,381,960.00 | 3,395,645.00 | 3,154,300.00 |
| Retained Earnings | 360,723.00 | 255,938.00 | 140,220.00 | 45,494.00 | 338,512.00 |
| Treasury Shares | 121,972.00 | 96,589.00 | 85,871.00 | 48,401.00 | 139,149.00 |
| Accumulated Other Comprehensive Income | -533,666.00 | -581,049.00 | -634,576.00 | -758,911.00 | -576,904.00 |
| Minority Interest | 21,382.00 | 19,542.00 | 20,615.00 | 22,594.00 | 21,458.00 |
| Debt | 9,270.00 | 15,049.00 | 17,743.00 | 56.00 | 10,201.00 |
| Common Shares Outstanding | 133,021.13 | 133,680.53 | 133,857.09 | 134,426.61 | 135,071.23 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 448,853.00 | 446,197.00 | 420,460.00 | 423,060.00 | 425,248.00 |
| Interest Income | 374,105.00 | 371,636.00 | 364,365.00 | 369,405.00 | 372,068.00 |
| Interest Expense | 94,648.00 | 91,489.00 | 95,263.00 | 102,758.00 | 109,717.00 |
| Non-Interest Expense | 244,018.00 | 244,437.00 | 238,376.00 | 235,718.00 | 237,600.00 |
| Selling, General and Administrative Expenses | 167,205.00 | 164,311.00 | 162,665.00 | 162,683.00 | 163,330.00 |
| EBT | 184,774.00 | 196,163.00 | 167,597.00 | 173,834.00 | 178,508.00 |
| Income Tax | 41,152.00 | 42,400.00 | 36,964.00 | 36,590.00 | 38,245.00 |
| Net Income Including Non-Controlling Interests | 143,622.00 | 153,763.00 | 130,633.00 | 137,244.00 | 140,263.00 |
| Net Income Non-Controlling Interests | -2,104.00 | -1,284.00 | 959.00 | -1,136.00 | -2,256.00 |
| Net Income | 140,180.00 | 151,018.00 | 130,333.00 | 134,840.00 | 136,718.00 |
| Deprecation and Amortization | 14,054.00 | 13,981.00 | 13,721.00 | 13,563.00 | 13,713.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 126,036.19 | 132,455.00 | 132,917.00 | 134,760.40 | 127,825.71 |
| Average Shares Outstanding Diluted | 126,155.24 | 132,583.00 | 133,072.00 | 134,760.40 | 127,995.24 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 129,020.00 | 111,192.00 | 138,604.00 | -136,655.00 | 431,679.00 |
| Operating Net Income | 143,622.00 | 153,763.00 | 130,633.00 | 137,244.00 | 140,263.00 |
| Deprecation and Amortization | 14,054.00 | 13,981.00 | 13,721.00 | 13,563.00 | 13,713.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 4,393.00 | 4,039.00 | 4,426.00 | 4,300.00 | 4,280.00 |
| Change in Working Capital | -3,763.00 | -62,097.00 | 45,715.00 | -26,352.00 | 8,330.00 |
| Other Operating Activities | -29,286.00 | 1,506.00 | -55,891.00 | -265,410.00 | 265,093.00 |
| Investing Cash Flow | -149,547.00 | 122,693.00 | -373,425.00 | -484,893.00 | -236,967.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -15,744.00 | -10,681.00 | -12,486.00 | -13,986.00 | -7,033.00 |
| Net Purchase/Sale of Investments Net | -1,384.00 | 429,279.00 | 34,634.00 | -180,104.00 | -292,370.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | -290,803.00 | 62,436.00 |
| Financing Cash Flow | -171,587.00 | -361,455.00 | 132,734.00 | 847,430.00 | 410,608.00 |
| Net Issuance/Repayment of Debt | -5,779.00 | -2,694.00 | 17,687.00 | -10,145.00 | 6,217.00 |
| Net Issuance/Repurchase of Equity | -25,223.00 | -11,863.00 | -55,184.00 | -46,912.00 | -43,669.00 |
| Dividends Paid | -36,997.00 | -39,118.00 | -37,886.00 | -34,609.00 | -40,384.00 |
| Other Financing Activities | -103,588.00 | -307,780.00 | 208,117.00 | 939,096.00 | 488,444.00 |
| Net Change in Cash | -192,114.00 | -127,570.00 | -102,087.00 | 225,882.00 | 605,320.00 |
| Cash at Beginning of Period | 3,146,335.00 | 3,273,905.00 | 3,375,992.00 | 3,150,110.00 | 2,544,790.00 |
| Cash at End of Period | 2,954,221.00 | 3,146,335.00 | 3,273,905.00 | 3,375,992.00 | 3,150,110.00 |
| Free Cash Flow | 113,276.00 | 100,511.00 | 126,018.00 | -150,674.00 | 419,069.00 |