Central Plains Bancshares, Inc. Common Stock(CPBI)Earnings, Financials & Key Ratios
CPBI•NASDAQ•Banking & Credit
$17.55
$74M mkt cap·18.3× P/E·Price updated May 7, 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$0
- Total Revenue$19M+9.6%
- Net Income$4M-2.8%
- Return on Equity4.52%-29.7%
- Net Interest Margin0%
- Efficiency Ratio73.67%+4.9%
- ROA0.75%-9.9%
- Equity / Assets16.38%-3.0%
- Book Value per Share21.84+192.9%
- Tangible BV/Share21.74+193.0%
CPBI Key Insights
Central Plains Bancshares, Inc. Common Stock (CPBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 16.4% equity/assets
- ✓Share count reduced 63.6% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 0.8x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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 Years8.71%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years5.09%
TTM4.96%
EPS CAGR
10 Years-
5 Years-
3 Years3.73%
TTM2%
Return on Capital
10 Years0.25%
5 Years0.25%
3 Years-0.59%
Last Year1.02%
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 | 4.61B | 32.39 | 20.76 | 18.79% | 13.25% | 0.12 | ||
 MBWM | 898.44M | 52.01 | 9.53 | 2.74% | 13.54% | 1.14 | ||
 CZWI | 202.97M | 21.08 | 14.44 | -9.41% | 7.81% | 0.28 | ||
 FBIZ | 473.21M | 56.72 | 9.36 | 6.43% | 14.12% | 0.70 | ||
 BANF | 3.76B | 113.24 | 17.58 | 12.28% | 13.33% | 0.05 | ||
 BOKF | 10.28B | 133.45 | 16.39 | 10.4% | 8.91% | 0.80 | ||
 SBCF | 3.03B | 31.04 | 19.65 | 7.49% | 5.83% | 0.44 | ||
 GABC | 1.66B | 44.08 | 14.41 | 54.54% | 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
| Line item | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|
| Net Interest Income | 0 | 13.4M | 0 | 0 | 4.58M |
| NII Growth % | - | - | -100% | - | -300% |
| Net Interest Margin % | 0% | 3.06% | 0% | 0% | 0.86% |
| Interest Income | 0 | 16.14M | 20.96M | 24.7M | 19.76M |
| Interest Expense | 0 | 2.74M | 6.49M | 8.21M | 8.67M |
| Loan Loss Provision | 0 | 2.87M | -6.49M | -8.21M | -8.67M |
| Non-Interest Income | 14.71M | -16.14M | -3.73M | -5.8M | 2.64M |
| Non-Interest Income % | 100% | - | -21.61% | -30.71% | 11.78% |
| Total Revenue | 14.71M▲ 0% | 0▼ 100.0% | 17.24M▲ 0% | 18.9M▲ 9.6% | 22.4M▲ 0% |
| Revenue Growth % | - | -100% | - | 9.64% | 76.53% |
| Non-Interest Expense | 10.62M | 6.15M | 12.11M | 13.92M | 12.25M |
| Efficiency Ratio | 72.18% | - | 70.25% | 73.67% | 54.69% |
| Operating Income | 4.09M▲ 0% | -11.75M▼ 387.2% | 5.13M▲ 143.6% | 4.98M▼ 3.0% | 3.76M▲ 0% |
| Operating Margin % | 27.82% | - | 29.75% | 26.33% | 16.78% |
| Operating Income Growth % | - | -387.17% | 143.64% | -2.98% | - |
| Pretax Income | 3.74M▲ 0% | 1.96M▼ 47.6% | 4.64M▲ 136.2% | 4.52M▼ 2.4% | 4.88M▲ 0% |
| Pretax Margin % | 25.45% | - | 26.89% | 23.93% | 21.8% |
| 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 % | 21.4% | - | 21.81% | 19.33% | 17.38% |
| Net Income Growth % | - | -47.71% | 128.37% | -2.79% | 4.96% |
| Net Income (Continuing) | 3.15M | 1.65M | 3.76M | 3.65M | 2.72M |
| EPS (Diluted) | 0.86▲ 0% | 0.40▼ 53.5% | 2.19▲ 447.5% | 0.96▼ 56.2% | 1.02▲ 0% |
| EPS Growth % | - | -53.49% | 447.5% | -56.16% | 2% |
| EPS (Basic) | 0.86 | 0.45 | 2.19 | 0.96 | - |
| Diluted Shares Outstanding | 3.68M | 4.13M | 10.5M | 3.82M | 3.81M |
CPBI Balance Sheet
Central Plains Bancshares, Inc. Common Stock (CPBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 | 0 |
| Investments Growth % | - | - | 4.12% | 84.16% | 86.54% |
| Long-Term Investments | 0 | 58.26M | 60.66M | 59.59M | 180.76M |
| Accounts Receivables | 0 | 350.63M | 2.25M | 3.1M | 0 |
| Goodwill & Intangibles | 0 | 434K | 403K | 380K | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 434K | 403K | 380K | 0 |
| PP&E (Net) | 4.29M | 4.1M | 5.87M | 12.94M | 13.17M |
| Other Assets | -7.63M | 4.51M | 3.86M | -72.91M | 0 |
| 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% | 0.73% |
| Accounts Payable | 0 | 3.48M | 3.9M | 1.72M | 0 |
| Total Debt | 0 | 0 | 303K | 0 | 0 |
| Net Debt | 0 | -16.56M | -11.45M | -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 | 0 |
| Total Current Liabilities | 265.71M | 4.14M | 68.85M | 0 | 0 |
| Total Non-Current Liabilities | 0 | 394.98M | 316.61M | 0 | 0 |
| 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% | 4.44% |
| Book Value per Share | 10.44 | 9.36 | 7.46 | 21.84 | 23.04 |
| Tangible BV per Share | 10.44 | 9.25 | 7.42 | 21.74 | 23.04 |
| 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
| Line item | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|
| Cash from Operations | 4.28M | 4.25M | 5.71M | 4.46M | 4.46M |
| Operating CF Growth % | - | -0.65% | 34.37% | -21.88% | 154.97% |
| Net Income | 3.15M | 1.65M | 3.76M | 3.65M | 3.89M |
| Depreciation & Amortization | 497K | 503K | 518K | 455K | 792K |
| Deferred Taxes | 237K | 78K | 46K | 255K | 273K |
| Other Non-Cash Items | 785K | 3.56M | 848K | 871K | -285K |
| Working Capital Changes | -391K | -1.53M | 376K | -1.14M | -56K |
| 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 | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -22.34M | 937K | -10.56M | -5.2M | -3.56M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -52.46M | -44.61M | -26.46M | -22.59M | -26.84M |
| Cash from Financing | 36.04M | 26.26M | 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 | 226K | -1000K | 238K | 1.25M |
| Other Financing | 35.4M | 26.04M | -15.72M | 40.85M | 36.85M |
| 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 | 1.84M |
| Income Taxes Paid | 0 | 225K | 750K | 300K | -100K |
| Free Cash Flow | 4.02M▲ 0% | 3.94M▼ 1.9% | 3.43M▼ 13.1% | -3.07M▼ 189.5% | 2.67M▲ 0% |
| FCF Growth % | - | -1.89% | -13.13% | -189.5% | 199.59% |
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% | 4.44% |
| Return on Assets (ROA) | 0.39% | 0.83% | 0.75% | 0.73% |
| Net Interest Margin | 3.06% | 0% | 0% | 0.86% |
| Efficiency Ratio | - | 70.25% | 73.67% | 54.69% |
| Equity / Assets | 8.83% | 16.9% | 16.38% | 16.38% |
| Book Value / Share | 9.36 | 7.46 | 21.84 | 23.04 |
| NII Growth | - | -100% | - | -61.81% |
| Dividend Payout | - | - | - | 0% |
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 9.6% 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 (19.3% 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 N/A. NIM has been under pressure due to interest rate environment.
Central Plains Bancshares, Inc. Common Stock (CPBI) has an efficiency ratio of 73.7%. This is higher than peers, suggesting room for cost optimization.
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Central Plains Bancshares, Inc. Common Stock (CPBI) financial analysis — history, returns, DCA and operating performance tools
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