Central Plains Bancshares, Inc. Common Stock (CPBI) Financial Ratios
5 years of historical data (2021–2025) · Financial Services · Shell Companies
EV/EBITDA
↑
N/A
—
5yr avg: 5.16
30Y Low4.6·High5.7
P/FCF
↓
11.76
+18% vs avg
5yr avg: 10.00
30Y Low9.8·High10.2
P/B Ratio
↑
0.80
↑+29% vs avg
5yr avg: 0.62
30Y Low0.4·High0.7
ROE
↓
4.6%
-17% vs avg
5yr avg: 5.6%
30Y Low4%·High8%
Debt/EBITDA
N/A
—
5yr avg: 0.06
30Y Low0.1·High0.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CPBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Central Plains Bancshares, Inc. Common Stock trades at 17.8x earnings, 30% above its 5-year average of 13.7x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 30%. On a free-cash-flow basis, the stock trades at 11.8x P/FCF, 18% above the 5-year average of 10.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Market Cap | $79M | $65M | $57M | $35M | — | — |
| Enterprise Value | $71M | $58M | $28M | $24M | — | — |
| P/E Ratio → | 17.80 | 16.30 | 15.54 | 9.33 | — | — |
| P/S Ratio | 2.84 | 2.36 | 2.08 | 1.47 | — | — |
| P/B Ratio | 0.80 | 0.73 | 0.68 | 0.45 | — | — |
| P/FCF | 11.76 | 9.75 | — | 10.25 | — | — |
| P/OCF | 11.76 | 9.75 | 12.77 | 6.15 | — | — |
P/E links to full P/E history page with 30-year chart
CPBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.09 | 1.03 | 1.01 | — | — |
| EV / EBITDA | — | — | 5.68 | 4.65 | — | — |
| EV / EBIT | — | — | 6.25 | 5.17 | — | — |
| EV / FCF | — | 8.64 | — | 6.99 | — | — |
CPBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Operating margins have compressed from 19.5% to 16.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.6% is modest, trailing the sector median of 9.0%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Gross Margin | — | — | 69.2% | 72.4% | 69.5% | 93.8% |
| Operating Margin | — | — | 16.6% | 19.5% | 10.7% | 23.9% |
| Net Profit Margin | 14.5% | 14.5% | 13.4% | 15.8% | 8.9% | 20.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| ROE | 4.6% | 4.6% | 4.5% | 6.4% | 4.3% | 8.2% |
| ROA | 0.7% | 0.7% | 0.8% | 0.8% | 0.4% | 0.8% |
| ROIC | — | — | 4.2% | 5.9% | 3.8% | 7.3% |
| ROCE | — | — | 0.9% | 1.1% | 0.7% | 2.5% |
CPBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $7M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | 0.00 | — | — |
| Debt / EBITDA | — | — | — | 0.06 | — | — |
| Net Debt / Equity | — | -0.08 | -0.34 | -0.14 | -0.43 | 0.00 |
| Net Debt / EBITDA | — | — | -5.76 | -2.16 | -6.72 | 0.00 |
| Debt / FCF | — | -1.12 | — | -3.25 | -3.97 | 0.00 |
| Interest Coverage | — | — | 0.55 | 0.71 | 0.72 | 3.47 |
Net cash position: cash ($7M) exceeds total debt ($0)
CPBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | 0.20 | 88.59 | 0.08 |
| Quick Ratio | — | — | — | 0.20 | 88.59 | 0.08 |
| Cash Ratio | — | — | — | 0.17 | 4.00 | — |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
CPBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Central Plains Bancshares, Inc. Common Stock returns 0.9% to shareholders annually primarily through share buybacks. The earnings yield of 5.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Earnings Yield | 5.6% | 6.1% | 6.4% | 10.7% | — | — |
| FCF Yield | 8.5% | 10.3% | — | 9.8% | — | — |
| Buyback Yield | 0.9% | 1.0% | 0.7% | 0.0% | — | — |
| Total Shareholder Yield | 0.9% | 1.0% | 0.7% | 0.0% | — | — |
| Shares Outstanding | — | $4M | $4M | $3M | $4M | $4M |
Peer Comparison
Compare CPBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CPBIYou | $79M | 17.8 | — | 11.8 | — | — | 4.6% | — | — |
 FFIN | $5B | 18.7 | 11.5 | 15.5 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 MBWM | $932M | 9.9 | 12.1 | 83.2 | 64.0% | 27.5% | 13.6% | 5.5% | 7.8 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FBIZ | $504M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 BOKF | $8B | 14.5 | 13.9 | 14.0 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 SBCF | $3B | 19.7 | 22.5 | 17.0 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 GABC | $2B | 14.8 | 12.9 | 11.1 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 QCRH | $2B | 12.6 | 15.7 | 4.5 | 57.7% | 22.8% | 12.1% | 6.2% | 4.5 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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CPBI — Frequently Asked Questions
Quick answers to the most common questions about buying CPBI stock.
What is Central Plains Bancshares, Inc. Common Stock's P/E ratio?
Central Plains Bancshares, Inc. Common Stock's current P/E ratio is 17.8x. The historical average is 13.7x. This places it at the 100th percentile of its historical range.
What is Central Plains Bancshares, Inc. Common Stock's ROE?
Central Plains Bancshares, Inc. Common Stock's return on equity (ROE) is 4.6%. The historical average is 5.6%.
Is CPBI stock overvalued?
Based on historical data, Central Plains Bancshares, Inc. Common Stock is trading at a P/E of 17.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.