Central Plains Bancshares, Inc. Common Stock (CPBI) Financial Ratios
4 years of historical data (2021–2024) · Financial Services · Shell Companies
EV/EBITDA
↓
9.07
↓-26% vs avg
5yr avg: 12.18
30Y Low5.7·High18.7
P/FCF
N/A
—
5yr avg: 31.31
30Y Low31.3·High31.3
P/B Ratio
↓
0.80
↓-22% vs avg
5yr avg: 1.03
30Y Low0.7·High1.4
ROE
↓
4.5%
↑-23% vs avg
5yr avg: 5.9%
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 18.3x earnings, 81% above its 5-year average of 10.1x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 39%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Market Cap | $74M | $57M | $107M | — | — |
| Enterprise Value | $45M | $28M | $96M | — | — |
| P/E Ratio → | 18.28 | 15.54 | 4.67 | — | — |
| P/S Ratio | 3.91 | 3.01 | 6.22 | — | — |
| P/B Ratio | 0.80 | 0.68 | 1.37 | — | — |
| P/FCF | — | — | 31.31 | — | — |
| P/OCF | 16.55 | 12.77 | 18.80 | — | — |
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
Central Plains Bancshares, Inc. Common Stock's enterprise value stands at 9.1x EBITDA, 26% below its 5-year average of 12.2x. The Financial Services sector median is 11.5x, placing the stock at a 21% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| EV / Revenue | — | 1.50 | 5.56 | — | — |
| EV / EBITDA | 9.07 | 5.68 | 18.69 | — | — |
| EV / EBIT | 9.07 | — | — | — | — |
| EV / FCF | — | — | 27.97 | — | — |
CPBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Central Plains Bancshares, Inc. Common Stock earns an operating margin of 26.3%, above the Financial Services sector average of 21.6%. Operating margins have compressed from 29.8% to 26.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.5% is modest, trailing the sector median of 9.4%. ROIC of 4.6% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 100.0% | — | 100.0% |
| Operating Margin | 26.3% | 26.3% | 29.8% | — | 27.8% |
| Net Profit Margin | 19.3% | 19.3% | 21.8% | — | 21.4% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| ROE | 4.5% | 4.5% | 6.4% | 4.3% | 8.2% |
| ROA | 0.8% | 0.8% | 0.8% | 0.4% | 0.8% |
| ROIC | 4.6% | 4.6% | 6.6% | -22.9% | 8.0% |
| ROCE | 1.0% | 1.0% | 1.2% | -4.0% | 2.8% |
CPBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $29M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.00 | — | — |
| Debt / EBITDA | — | — | 0.06 | — | — |
| Net Debt / Equity | — | -0.34 | -0.15 | -0.43 | 0.00 |
| Net Debt / EBITDA | -5.76 | -5.76 | -2.23 | — | 0.00 |
| Debt / FCF | — | — | -3.34 | -4.20 | 0.00 |
| Interest Coverage | 0.61 | 0.61 | 0.79 | -4.29 | — |
Net cash position: cash ($29M) exceeds total debt ($0)
CPBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio has declined from 88.59x to 0.20x over the past 3 years.
| Metric | TTM | 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 | — | 0.17 | 4.00 | — |
| Asset Turnover | — | 0.04 | 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 0.6% to shareholders annually primarily through share buybacks. The earnings yield of 5.5% (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 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 6.4% | 21.4% | — | — |
| FCF Yield | — | — | 3.2% | — | — |
| Buyback Yield | 0.6% | 0.7% | 0.0% | — | — |
| Total Shareholder Yield | 0.6% | 0.7% | 0.0% | — | — |
| Shares Outstanding | — | $4M | $10M | $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 | $74M | 18.3 | 9.1 | — | 100.0% | 26.3% | 4.5% | 4.6% | — |
 FFIN | $5B | 20.8 | 14.2 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 MBWM | $898M | 9.5 | 11.7 | 80.2 | 64.0% | 27.5% | 13.6% | 5.5% | 7.8 |
 CZWI | $203M | 14.4 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FBIZ | $473M | 9.4 | 11.6 | 7.7 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 BANF | $4B | 17.6 | 1.0 | 16.8 | 68.5% | 30.3% | 14.2% | 12.8% | 0.3 |
 BOKF | $10B | 16.4 | 17.2 | 7.2 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 SBCF | $3B | 19.6 | 22.4 | 16.9 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 GABC | $2B | 14.4 | 12.6 | 10.8 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 QCRH | $2B | 12.2 | 15.3 | 4.3 | 57.7% | 22.8% | 12.1% | 6.2% | 4.5 |
 FNF | $14B | 22.7 | 7.0 | 2.1 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
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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 18.3x. The historical average is 10.1x. This places it at the 100th percentile of its historical range.
What is Central Plains Bancshares, Inc. Common Stock's EV/EBITDA?
Central Plains Bancshares, Inc. Common Stock's current EV/EBITDA is 9.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.2x.
What is Central Plains Bancshares, Inc. Common Stock's ROE?
Central Plains Bancshares, Inc. Common Stock's return on equity (ROE) is 4.5%. The historical average is 5.9%.
Is CPBI stock overvalued?
Based on historical data, Central Plains Bancshares, Inc. Common Stock is trading at a P/E of 18.3x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Central Plains Bancshares, Inc. Common Stock's profit margins?
Central Plains Bancshares, Inc. Common Stock has 100.0% gross margin and 26.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.