Management has initiated modest capital returns through $135,000 in share repurchases during 2025Q4, while simultaneously deploying $6.1 million into investment securities to manage duration.
| Cash from Operations | 6.69M | 4.46M | 5.71M | 4.47M | 4.28M |
| Operating CF Growth % | 49.94% | -21.88% | 27.58% | 4.63% | - |
| Net Income | 4M | 3.65M | 3.76M | 1.65M | 3.15M |
| Depreciation & Amortization | 946K | 455K | 518K | 503K | 497K |
| Deferred Taxes | 112K | 255K | 46K | 78K | 237K |
| Other Non-Cash Items | 1.18M | 871K | 848K | 3.78M | 785K |
| Working Capital Changes | -309K | -1.14M | 376K | -1.53M | -391K |
| Cash from Investing | -48.98M | -27.9M | -31.16M | -32.93M | -48.49M |
| Purchase of Investments | -10.45M | -6.2M | -11.56M | -63K | -23.34M |
| Sale/Maturity of Investments | 8.49M | 8.42M | 9.15M | 12.04M | 27.56M |
| Net Investment Activity | -1.96M | 2.22M | -2.42M | 11.98M | 4.22M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -47.02M | -22.59M | -26.46M | -44.61M | -52.46M |
| Cash from Financing | 43.54M | 40.67M | 20.34M | 26.04M | 36.04M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -679K | -413K | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 39.36M | 0 | 0 |
| Net Stock Activity | -679K | -413K | 39.36M | 0 | 0 |
| Debt Issuance (Net) | 336K | 238K | -1000K | 0 | 645K |
| Other Financing | 43.88M | 40.85M | -15.72M | 26.04M | 35.4M |
| Net Change in Cash | 1.25M | 17.23M | -5.11M | -2.42M | -8.17M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 28.68M | 11.45M | 16.56M | 18.98M | 0 |
| Cash at End | 29.93M | 28.68M | 11.45M | 16.56M | -8.17M |
| Interest Paid | 8.98M | 8.39M | 5.26M | 1.93M | 0 |
| Income Taxes Paid | 789K | 300K | 750K | 225K | 0 |
| Free Cash Flow | 5.81M | -3.07M | 3.43M | 4.17M | 4.02M |
| FCF Growth % | 289.37% | -189.5% | -17.84% | 3.73% | - |
Regional agricultural economic concentration
According to the company's reported financial statements, Central Plains Bancshares has consistently generated positive net income, with the 2025Q4 figure of $955,000 demonstrating a stable capacity to retain earnings, which appears to be the primary mechanism for strengthening the bank's regulatory capital buffers post-incorporation.
The bank's ability to maintain positive net income while avoiding dividend distributions suggests a deliberate strategy to prioritize capital accumulation. This internal generation of capital is essential for supporting future loan growth in the Nebraska market without the need for dilutive equity issuance.
Based on quarterly cash flow data, the bank has maintained an active investment securities portfolio, with purchases reaching $6.1 million in 2025Q4, suggesting that management is utilizing excess liquidity to manage duration and yield in a manner consistent with its conservative asset-liability management framework.
The consistent pattern of purchasing and selling investment securities indicates a revolving strategy to optimize the balance sheet's interest-earning potential. Investors should monitor whether these investment activities are primarily driven by liquidity needs or a tactical attempt to enhance net interest income in a fluctuating rate environment.
As reported in recent filings, Central Plains Bancshares has initiated modest share repurchases, totaling $135,000 in 2025Q4, which indicates that management is beginning to return excess capital to shareholders while maintaining a cautious stance on overall liquidity and regulatory capital requirements.
The absence of dividend payments combined with small-scale buybacks suggests that management is testing the waters of capital return without committing to a fixed payout policy. This approach appears prudent for a newly incorporated entity that must balance shareholder expectations with the need for a robust capital cushion.
Based on the provided cash flow data, the bank's provision for credit losses reached $220,000 in 2025Q4, reflecting a proactive approach to reserve building that aligns with the cyclical risks inherent in the bank's specialized agricultural and commercial real estate loan portfolio.
The variability in provisioning suggests that management is closely monitoring the credit quality of its localized loan book in response to regional economic conditions. This conservative stance on reserves may serve as a buffer against potential asset quality deterioration in the agricultural sector.
Quick answers to the most common questions about buying CPBI stock.
Central Plains Bancshares, Inc. Common Stock (CPBI) generated $6.7M in net cash from operating activities in 2025. This reflects the cash generated directly from core business operations.
Central Plains Bancshares, Inc. Common Stock (CPBI) generated $5.8M in free cash flow in 2025. Free cash flow is the cash left over after capital expenditures, which can be used to pay dividends, repurchase shares, or pay down debt.
Central Plains Bancshares, Inc. Common Stock (CPBI) spent $0.0M on capital expenditures in 2025. CapEx represents the cash invested in physical assets like property, plant, and equipment to maintain or grow the business.
In 2025, Central Plains Bancshares, Inc. Common Stock (CPBI) spent $0.7M on share repurchases. This shows the company's commitment to returning capital to its equity investors.