Central Plains Bancshares, Inc. Common Stock(CPBI)Earnings, Financials & Key Ratios
CPBI•NASDAQ•Banking & Credit
19.4× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustrySPACs & Shell CompaniesSub-IndustryPost-merger operating companies misclassified
AboutCentral Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.Show more
- Net Interest Income$16M+13.9%
- Total Revenue$27M+14.7%
- Net Income$4M-2.8%
- Return on Equity4.52%-29.7%
- Net Interest Margin3.24%+3.8%
- Efficiency Ratio52.63%-0.5%
- ROA0.75%-9.9%
- Equity / Assets16.38%-3.0%
- Book Value per Share21.84-4.2%
CPBI Key Insights
Central Plains Bancshares, Inc. Common Stock (CPBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 52.6% efficiency ratio
- ✓Well capitalized: 16.4% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗Shares diluted 11.1% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CPBI Price & Volume
Central Plains Bancshares, Inc. Common Stock (CPBI) stock price & volume — 10-year historical chart
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CPBI Growth Metrics
Central Plains Bancshares, Inc. Common Stock (CPBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years20.33%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years5.09%
TTM4.96%
EPS CAGR
10 Years-
5 Years-
3 Years3.73%
TTM4.08%
Return on Capital
10 Years1.31%
5 Years1.31%
3 Years0.91%
Last Year0.93%
CPBI Peer Comparison
Central Plains Bancshares, Inc. Common Stock (CPBI) competitors in Post-merger operating companies misclassified — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 MBWM | 928.5M | 53.75 | 9.84 | 2.74% | 23.87% | 13.54% | 1.14 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FBIZ | 503.41M | 60.34 | 9.96 | 6.43% | 18.74% | 14.12% | 0.70 | |
 BANF | 3.77B | 111.31 | 15.63 | -9.29% | 29.19% | 13.68% | 0.07 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 SBCF | 3.01B | 30.84 | 19.52 | 7.49% | 16.13% | 5.83% | 0.44 | |
 GABC | 1.69B | 44.99 | 14.70 | 54.54% | 23.11% | 10.25% | 0.16 |
Compare CPBI vs Peers
Central Plains Bancshares, Inc. Common Stock (CPBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPBI Income Statement
Central Plains Bancshares, Inc. Common Stock (CPBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|
Net Interest Income | 12.09M | 13.4M | 14.47M | 16.49M | 18.26M |
NII Growth % | - | 10.85% | 7.99% | 13.93% | 54.6% |
Net Interest Margin % | 2.92% | 3.06% | 3.12% | 3.24% | 3.41% |
Interest Income | 13.17M | 16.14M | 20.96M | 24.7M | 26.93M |
Interest Expense | 1.08M | 2.74M | 6.49M | 8.21M | 8.67M |
Loan Loss Provision | -114K | 2.88M | 88K | 200K | 230K |
Non-Interest Income | 2.51M | 2.28M | 2.85M | 2.61M | 2.75M |
Non-Interest Income % | 15.99% | 12.37% | 11.98% | 9.56% | 9.28% |
Total Revenue | 15.68M▲ 0% | 18.42M▲ 17.5% | 23.82M▲ 29.3% | 27.31M▲ 14.7% | 29.69M▲ 0% |
Revenue Growth % | - | 17.52% | 29.29% | 14.68% | 47.24% |
Non-Interest Expense | 10.97M | 10.84M | 12.6M | 14.38M | 15.9M |
Efficiency Ratio | 69.96% | 58.85% | 52.91% | 52.63% | 53.57% |
Operating Income | 3.74M▲ 0% | 1.96M▼ 47.6% | 4.64M▲ 136.2% | 4.52M▼ 2.4% | 4.88M▲ 0% |
Operating Margin % | 23.88% | 10.66% | 19.47% | 16.56% | 16.45% |
Operating Income Growth % | - | -47.56% | 136.17% | -2.44% | - |
Pretax Income | 3.74M▲ 0% | 1.96M▼ 47.6% | 4.64M▲ 136.2% | 4.52M▼ 2.4% | 4.88M▲ 0% |
Pretax Margin % | 23.88% | 10.66% | 19.47% | 16.56% | 16.45% |
Income Tax | 595K | 317K | 877K | 869K | 991K |
Effective Tax Rate % | 15.9% | 16.15% | 18.92% | 19.21% | 20.29% |
Net Income | 3.15M▲ 0% | 1.65M▼ 47.7% | 3.76M▲ 128.4% | 3.65M▼ 2.8% | 3.89M▲ 0% |
Net Margin % | 20.08% | 8.94% | 15.78% | 13.38% | 13.11% |
Net Income Growth % | - | -47.71% | 128.37% | -2.79% | 4.96% |
Net Income (Continuing) | 3.15M | 1.65M | 3.76M | 3.65M | 3.89M |
EPS (Diluted) | 0.86▲ 0% | 0.40▼ 53.5% | 1.10▲ 173.7% | 0.96▼ 12.3% | 1.02▲ 0% |
EPS Growth % | - | -53.49% | 173.75% | -12.33% | 4.08% |
EPS (Basic) | 0.86 | 0.45 | 1.10 | 0.96 | - |
Diluted Shares Outstanding | 3.68M | 4.13M | 3.44M | 3.82M | 3.81M |
CPBI Balance Sheet
Central Plains Bancshares, Inc. Common Stock (CPBI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|
Cash & Short Term Investments | 0 | 16.56M | 11.45M | 80.81M | 225.33M |
Cash & Due from Banks | 0 | 16.56M | 11.45M | 28.68M | 7.73M |
Short Term Investments | 0 | 0 | 0 | 52.12M | 58.89M |
Total Investments | 0 | 58.26M | 60.66M | 111.71M | 58.89M |
Investments Growth % | - | - | 4.12% | 84.16% | 141.49% |
Long-Term Investments | 0 | 58.26M | 60.66M | 59.59M | 180.76M |
Accounts Receivables | 0 | 350.63M | 2.25M | 3.1M | 3.32M |
Goodwill & Intangibles | 0 | 434K | 403K | 380K | 410K |
Goodwill | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 434K | 403K | 380K | 410K |
PP&E (Net) | 4.29M | 4.1M | 5.87M | 12.94M | 13.17M |
Other Assets | -7.63M | 4.51M | 3.86M | -72.91M | -410K |
Total Current Assets | 20.32M | 367.19M | 13.7M | 0 | 69.94M |
Total Non-Current Assets | 0 | 70.6M | 74.6M | 0 | 13.17M |
Total Assets | 413.86M▲ 0% | 437.79M▲ 5.8% | 463.28M▲ 5.8% | 508.7M▲ 9.8% | 535.74M▲ 0% |
Asset Growth % | - | 5.78% | 5.82% | 9.8% | 33.58% |
Return on Assets (ROA) | 0.76% | 0.39% | 0.83% | 0.75% | 0.76% |
Accounts Payable | 0 | 3.48M | 3.9M | 1.72M | 0 |
Total Debt | 0 | 0 | 303K | 0 | 0 |
Net Debt | 0 | -16.56M | -11.15M | -28.68M | -7.73M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 66K | 0 | 0 |
Other Liabilities | -473K | 394.98M | 316.61M | 0 | 447.98M |
Total Current Liabilities | 265.71M | 4.14M | 68.85M | 0 | 0 |
Total Non-Current Liabilities | 0 | 394.98M | 316.61M | 0 | 447.98M |
Total Liabilities | 375.45M | 399.13M | 385M | 425.37M | 447.98M |
Total Equity | 38.4M▲ 0% | 38.67M▲ 0.7% | 78.28M▲ 102.4% | 83.33M▲ 6.5% | 87.76M▲ 0% |
Equity Growth % | - | 0.69% | 102.44% | 6.46% | 26.9% |
Equity / Assets (Capital Ratio) | 9.28% | 8.83% | 16.9% | 16.38% | 16.38% |
Return on Equity (ROE) | 8.2% | 4.27% | 6.43% | 4.52% | 4.55% |
Book Value per Share | 10.44 | 9.36 | 22.78 | 21.84 | 23.04 |
Tangible BV per Share | 10.44 | 9.25 | 22.66 | 21.74 | 22.93 |
Common Stock | 0 | 0 | 41K | 41K | -2.87M |
Additional Paid-in Capital | 0 | 0 | 39.32M | 39.27M | 0 |
Retained Earnings | 42.13M | 43.77M | 47.13M | 50.65M | 53.51M |
Accumulated OCI | -3.72M | -5.11M | -5.07M | -3.62M | -2.42M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 |
CPBI Cash Flow Statement
Central Plains Bancshares, Inc. Common Stock (CPBI) cash flow — operating, investing & free cash flow history
| Metric | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|
Cash from Operations | 4.28M | 4.47M | 5.71M | 4.46M | 5.4M |
Operating CF Growth % | - | 4.63% | 27.58% | -21.88% | 154.97% |
Net Income | 3.15M | 1.65M | 3.76M | 3.65M | 3.89M |
Depreciation & Amortization | 497K | 503K | 518K | 455K | 803K |
Deferred Taxes | 237K | 78K | 46K | 255K | 273K |
Other Non-Cash Items | 785K | 3.78M | 848K | 871K | 828K |
Working Capital Changes | -391K | -1.53M | 376K | -1.14M | -1.33M |
Cash from Investing | -48.49M | -32.93M | -31.16M | -27.9M | -28.87M |
Purchase of Investments | -23.34M | -63K | -11.56M | -6.2M | -7.56M |
Sale/Maturity of Investments | 27.56M | 12.04M | 9.15M | 8.42M | 8.3M |
Net Investment Activity | 4.22M | 11.98M | -2.42M | 2.22M | 737K |
Acquisitions | 0 | 0 | 0 | 0 | 0 |
Other Investing | -52.46M | -44.61M | -26.46M | -22.59M | -25.91M |
Cash from Financing | 36.04M | 26.04M | 20.34M | 40.67M | 44.94M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | -413K | -820K |
Stock Issued | 0 | 0 | 39.36M | 0 | 0 |
Net Stock Activity | 0 | 0 | 39.36M | -413K | -820K |
Debt Issuance (Net) | 645K | 0 | -1000K | 238K | 250K |
Other Financing | 35.4M | 26.04M | -15.72M | 40.85M | 45.55M |
Net Change in Cash | -8.17M▲ 0% | -2.42M▲ 70.4% | -5.11M▼ 111.5% | 17.23M▲ 437.2% | 21.47M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 0 | 18.98M | 16.56M | 11.45M | 8.89M |
Cash at End | -8.17M | 16.56M | 11.45M | 28.68M | 28.11M |
Interest Paid | 0 | 1.93M | 5.26M | 8.39M | 8.61M |
Income Taxes Paid | 0 | 225K | 750K | 300K | 200K |
Free Cash Flow | 4.02M▲ 0% | 4.17M▲ 3.7% | 3.43M▼ 17.8% | -3.07M▼ 189.5% | 1.7M▲ 0% |
FCF Growth % | - | 3.73% | -17.84% | -189.5% | 163.37% |
CPBI Banking Ratios
Central Plains Bancshares, Inc. Common Stock (CPBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|
Return on Equity (ROE) | 4.27% | 6.43% | 4.52% | 4.55% |
Return on Assets (ROA) | 0.39% | 0.83% | 0.75% | 0.76% |
Net Interest Margin | 3.06% | 3.12% | 3.24% | 3.41% |
Efficiency Ratio | 58.85% | 52.91% | 52.63% | 53.57% |
Equity / Assets | 8.83% | 16.9% | 16.38% | 16.38% |
Book Value / Share | 9.36 | 22.78 | 21.84 | 23.04 |
NII Growth | 10.85% | 7.99% | 13.93% | 13.7% |
Dividend Payout | - | - | - | 0% |
Related:CPBI Dividend History·CPBI Revenue History·CPBI Price History·CPBI P/E History·CPBI Financial Ratios·CPBI Institutional Holders
CPBI Frequently Asked Questions
Central Plains Bancshares, Inc. Common Stock (CPBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Central Plains Bancshares, Inc. Common Stock (CPBI) grew revenue by 14.7% over the past year. This is steady growth.
Yes, Central Plains Bancshares, Inc. Common Stock (CPBI) is profitable, generating $3.9M in net income for fiscal year 2024 (13.4% net margin).
Dividend & Returns
Central Plains Bancshares, Inc. Common Stock (CPBI) has a return on equity (ROE) of 4.5%. This is below average, suggesting room for improvement.
Industry Metrics
Central Plains Bancshares, Inc. Common Stock (CPBI) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Central Plains Bancshares, Inc. Common Stock (CPBI) has an efficiency ratio of 52.6%. This is excellent, indicating strong cost control.