Central Cooperative Bank AD
Central Cooperative Bank AD provides banking and financial services, including asset management and lending, primarily in the Bulgarian market.
Business. Central Cooperative Bank AD (CCB.BB) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. As specific segment and geographic data are not provided, the firm is described at the industry level without detailed operational breakdowns. The entity is identified by the ticker CCB.BB, though specific exchange listing details are not specified in the available data.
Analyst recommendations
4 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Central Cooperative Bank AD (CCB.BB) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. As specific segment and geographic data are not provided, the firm is described at the industry level without detailed operational breakdowns. The entity is identified by the ticker CCB.BB, though specific exchange listing details are not specified in the available data.
Central Cooperative Bank AD maintains a conservative capital structure, with a debt-to-equity ratio of 0.03, indicating minimal leverage and strong equity backing. The bank's liquidity position is assessed as medium, with free cash flow of 114.33 million BGN and operating cash flow of 394.39 million BGN, suggesting sufficient liquidity to meet short-term obligations. However, the risk assessment notes that net cash is negative after subtracting total debt, signaling potential liquidity constraints under stress scenarios.
Profitability metrics show a return on equity (ROE) of 11.27%, which is strong relative to the industry median for banks, while return on assets (ROA) of 1.02% is in line with the sector average. These figures suggest the bank is effectively utilizing equity capital but faces moderate asset productivity.
The bank's revenue is concentrated in a single jurisdiction, Bulgaria, with no disclosed segmental breakdown. This geographic concentration exposes the company to local economic and regulatory risks, including currency fluctuations and policy changes.
Growth trajectory is not explicitly outlined in the latest financials, but the bank's operating cash flow and net income suggest stable performance. No significant revenue growth or contraction is reported in the most recent period.
Risk factors include medium liquidity risk and low dilution potential, with no immediate pressure from share issuance or capital raising. The bank's capital expenditure is negative, indicating asset disposals or minimal investment in new infrastructure.
Recent events include the publication of the latest financial snapshot, which provides updated figures for revenue, net income, and capital structure. No recent filings or transcripts are available to indicate strategic shifts or regulatory changes.
- Central Cooperative Bank AD maintains a low debt-to-equity ratio of 0.03, indicating a conservative capital structure.
- The bank's ROE of 11.27% is strong, but ROA of 1.02% is in line with industry norms.
- Revenue is concentrated in Bulgaria, exposing the bank to local economic and regulatory risks.
- Liquidity is assessed as medium, with free cash flow of 114.33 million BGN.
- No immediate dilution pressure is expected, and capital expenditure is minimal.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Central Cooperative Bank AD Market data — financials · 2026-05-27
Ownership & reference
Leadership
- Biser Yordanov SlavkovMember of the Management Board
- Ivo Georgiev KamenovChairman of the Supervisory Board
Insider activity
- Director, President of CCBX · Common StockOther 229 @ $77,72$18K · 2026-07-01
- Director, President of CCBX · Common StockOther 230 @ $71,42$16K · 2026-06-02
- Director, President of CCBX · Common StockSold 7 000 @ $71,42$500K · 2026-06-02
- Director · Common StockOther 1 404 · 2026-05-26
- Director · Common StockOther 1 754 · 2026-05-26
- Director · Common StockOther 1 369 · 2026-05-26
- Director · Common StockOther 1 532 · 2026-05-26
- Director · Common StockOther 1 193 · 2026-05-26
- Director, 10% owner · Common StockOther 1 333 · 2026-05-26
- Director · Common StockOther 1 369 · 2026-05-26
- Director · Common StockOther 1 474 · 2026-05-26
- Director · Common StockOther 1 193 · 2026-05-26
- Director · Common StockOther 1 193 · 2026-05-26
- Director · Common StockSold 300 @ $72,60$22K · 2026-05-08
- Chief Risk Officer · Common StockOther 68 @ $75,80$5K · 2026-05-04
- Director, President of CCBX · Common StockOther 230 @ $75,44$17K · 2026-05-01
- Director, President of CCBX · Common StockSold 3 079 @ $75,44$232K · 2026-05-01
- Director, President of CCBX · Common StockOther 228 @ $76,69$17K · 2026-04-01
- Director, President of CCBX · Common StockOther 1 792 @ $73,73$132K · 2026-03-30
- Director, President of CCBX · Common StockOther 2 714 · 2026-03-11
- Director, CEO · Common StockOther 4 860 · 2026-03-11
- CFO · Common StockOther 673 · 2026-03-11
- Director, President of CCBX · Common StockSold 146 @ $72,37$11K · 2026-03-03
- Director, President of CCBX · Common StockSold 48 @ $88,95$4K · 2026-02-06
- Director, CEO · Common StockOther 1 730 @ $84,97$147K · 2026-02-05
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Total assets (YoY) (2025-12-31 vs 2024-12-31): 15.0%Derived (calculated)
- Return on equity (FY 2025-12-31): 9.6%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.0%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 8.66xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -14.8%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): -6.9%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): -6.1%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 3.9%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -2.0%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 11.9%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 15.4%Derived (calculated)
- Pre-tax income (annual): USD 61.24MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 3SEC XBRL filing
- Capex (annual): USD 8.44MSEC XBRL filing
- Total assets (annual): USD 4.74BSEC XBRL filing
- Operating cash flow (annual): USD 254.58MSEC XBRL filing
- Shares outstanding (annual): 15.14MSEC XBRL filing
- Net income (annual): USD 46.99MSEC XBRL filing
- Total liabilities (annual): USD 4.25BSEC XBRL filing
- Shareholders' equity (annual): USD 490.96MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 3SEC XBRL filing
- Return on equity (FY 2024-12-31): 10.3%Derived (calculated)
- Debt-to-equity (FY 2024-12-31): 8.39xDerived (calculated)
- Return on assets (FY 2024-12-31): 1.1%Derived (calculated)