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Central Plains Bancshares, Inc. Common Stock(CPBI)Earnings, Financials & Key Ratios
CPBI•NASDAQ•Banking & Credit
$19.01
18.1× P/E·Price updated Jul 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$19M+13.3%
- Total Revenue$30M+11.1%
- Net Income$4M+9.5%
- Return on Equity4.64%+2.7%
- Net Interest Margin3.34%+3.1%
- Efficiency Ratio52.89%+0.5%
- ROA0.75%-0.3%
- Equity / Assets15.93%-2.8%
- Book Value per Share23.35+6.9%
CPBI Price & Volume
Central Plains Bancshares, Inc. Common Stock (CPBI) stock price & volume — 10-year historical chart
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Steady Organic Growth Amidst Regional Credit Caution
Investment Thesis • Updated 2025Q4
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional agricultural economic concentration
Key Thesis Takeaways
- Central Plains Bancshares demonstrates a disciplined approach to organic asset expansion, growing total assets from $454.3 million in 2023Q3 to $558.6 million by 2025Q4.
- While the bank maintains a stable capital base with an equity-to-assets ratio of 0.16, investors should monitor the sensitivity of its loan portfolio to the cyclical agricultural economy, which necessitated a $220,000 provision for credit losses in 2025Q4.
- The bank's focus on maintaining a 51.3% efficiency ratio suggests a commitment to operational maturity, though the stagnant net interest margin of 0.8% to 0.9% warrants further investigation into long-term profitability scaling.
Verdict Logic
while the bank shows consistent asset growth to $558.6 million, the current P/B ratio of 0.81 and stagnant net interest margins suggest limited near-term upside potential.
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 Years18.09%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years34.44%
TTM9.47%
EPS CAGR
10 Years-
5 Years-
3 Years37.95%
TTM8.33%
Return on Capital
10 Years1.24%
5 Years1.24%
3 Years1%
Last Year0.94%
Peers Comparison
Key metrics vs top competitors for Central Plains Bancshares, Inc. Common Stock (CPBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $19.01 | $79.52M | 18.11 | 11.05% | 13.19% | 4.64% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $57.41 | $991.72M | 10.51 | 2.74% | 24.23% | 13.36% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $63.34 | $528.43M | 10.45 | 6.43% | 18.74% | 14.12% | — | |
| $114.32 | $3.84B | 16.06 | -9.29% | 29.66% | 13.62% | — |
Compare CPBI vs Peers
Central Plains Bancshares, Inc. Common Stock (CPBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPBI SEC Filings & Documents
Central Plains Bancshares, Inc. Common Stock (CPBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CPBI Frequently Asked Questions
Central Plains Bancshares, Inc. Common Stock (CPBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Central Plains Bancshares, Inc. Common Stock growing?
Central Plains Bancshares, Inc. Common Stock (CPBI) grew revenue by 11.1% over the past year. This is steady growth.
Is CPBI profitable?
Yes, Central Plains Bancshares, Inc. Common Stock (CPBI) is profitable, generating $4.0M in net income for fiscal year 2025 (13.2% net margin).
Dividend & Returns
What is CPBI's return on equity?
Central Plains Bancshares, Inc. Common Stock (CPBI) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.
Industry Metrics
What is Central Plains Bancshares, Inc. Common Stock's net interest margin?
Central Plains Bancshares, Inc. Common Stock (CPBI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is Central Plains Bancshares, Inc. Common Stock's efficiency ratio?
Central Plains Bancshares, Inc. Common Stock (CPBI) has an efficiency ratio of 52.9%. This is excellent, indicating strong cost control.