Latest Ratios: P/E Ratio 18.1x · EV/EBITDA 12.1x · ROE 4.6%. (2021–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Market Cap | $80M | $65M | $57M | $35M | — | — |
| Enterprise Value | $72M | $58M | $28M | $24M | — | — |
| P/E Ratio → | 18.11 | 16.30 | 15.54 | 9.33 | — | — |
| P/S Ratio | 2.62 | 2.15 | 2.08 | 1.47 | — | — |
| P/B Ratio | 0.81 | 0.73 | 0.68 | 0.45 | — | — |
| P/FCF | 13.69 | 11.23 | — | 10.25 | — | — |
| P/OCF | 11.89 | 9.75 | 12.77 | 6.15 | — | — |
P/E links to full P/E history page with 30-year chart
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 | — | 1.91 | 1.03 | 1.01 | — | — |
| EV / EBITDA | 12.13 | 9.73 | 5.68 | 4.65 | — | — |
| EV / EBIT | 14.48 | 11.61 | 6.25 | 5.17 | — | — |
| EV / FCF | — | 9.97 | — | 6.99 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
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 | 69.5% | 69.5% | 69.2% | 72.4% | 69.5% | 93.8% |
| Operating Margin | 16.5% | 16.5% | 16.6% | 19.5% | 10.7% | 23.9% |
| Net Profit Margin | 13.2% | 13.2% | 13.4% | 15.8% | 8.9% | 20.1% |
| 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 | 4.3% | 4.3% | 4.2% | 5.9% | 3.8% | 7.3% |
| ROCE | 0.9% | 0.9% | 0.9% | 1.1% | 0.7% | 2.5% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | — | 0.00 | — | — |
| Debt / EBITDA | 0.03 | 0.03 | — | 0.06 | — | — |
| Net Debt / Equity | — | -0.08 | -0.34 | -0.14 | -0.43 | 0.00 |
| Net Debt / EBITDA | -1.22 | -1.22 | -5.76 | -2.16 | -6.72 | 0.00 |
| Debt / FCF | — | -1.25 | — | -3.25 | -3.97 | 0.00 |
| Interest Coverage | 0.56 | 0.56 | 0.55 | 0.71 | 0.72 | 3.47 |
Net cash position: cash ($7M) exceeds total debt ($195000)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Current Ratio | 1703.58 | 1703.58 | — | 0.20 | 88.59 | 0.08 |
| Quick Ratio | 1703.58 | 1703.58 | — | 0.20 | 88.59 | 0.08 |
| Cash Ratio | 173.58 | 173.58 | — | 0.17 | 4.00 | — |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 6.1% | 6.4% | 10.7% | — | — |
| FCF Yield | 7.3% | 8.9% | — | 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 |
Regional agricultural economic concentration
Based on reported figures, CPBI trades at a P/B of 0.81, which suggests the market is currently pricing the bank at a discount to its tangible book value, likely reflecting investor caution regarding its limited operating history since the 2023 incorporation and its narrow geographic focus.
The current P/B multiple indicates that investors are not yet assigning a premium to the franchise, potentially due to the lack of a long-term track record of return on tangible common equity. This valuation suggests that the market may be waiting for evidence of sustained earnings power before re-rating the stock toward parity with book value.
According to quarterly financial statements, the bank's ROE has remained in a narrow range between 1.0% and 1.6%, indicating that profitability is currently constrained by modest asset utilization and a reliance on traditional spread-based income rather than high-margin fee-generating activities.
The DuPont decomposition reveals that the bank's profitability is heavily dependent on its NIM, which has hovered around 0.8% to 0.9%. Without a significant contribution from non-interest income, which remains below 10% of total revenue, the bank's ability to drive higher ROE appears limited by its current operating scale and conservative leverage profile.
As reported in recent filings, the bank has maintained an efficiency ratio between 51.3% and 54.8% over the last ten quarters, demonstrating a disciplined approach to managing non-interest expenses relative to its core revenue generation during its initial phase as a public holding company.
The stability of the efficiency ratio suggests that management is successfully controlling overhead costs despite the inherent fixed-cost nature of its branch-based model. However, investors should monitor whether this efficiency can be maintained if the bank needs to invest more heavily in digital infrastructure to compete with larger regional peers.
Based on the company's reported financial data, the equity-to-assets ratio has remained consistently between 0.16 and 0.17, indicating a robust capital position that provides a significant cushion against potential credit losses in its specialized agricultural and commercial real estate loan portfolios.
This capital adequacy level appears to be a strategic choice by management to maintain a fortress-like balance sheet during the bank's early years as a public entity. While this provides safety, it also implies that the bank has significant capacity to increase leverage or return capital to shareholders once it establishes a more mature growth trajectory.
Investors frequently misapply the P/E ratio to CPBI, which obscures the bank's true earnings quality because the metric is highly sensitive to volatile quarterly provisions for credit losses rather than reflecting the underlying cash-generative capacity of the bank's core interest-earning assets.
Because the bank is in a transitional phase post-incorporation, P/E volatility is exacerbated by non-recurring setup costs and fluctuating reserve requirements. Analysts should instead prioritize P/TBV and ROE trends, as these metrics provide a more accurate view of the bank's long-term value creation and capital efficiency than a trailing earnings multiple.
Includes 30+ ratios · 5 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CPBI stock.
Central Plains Bancshares, Inc. Common Stock's current P/E ratio is 18.1x. The historical average is 13.7x. This places it at the 100th percentile of its historical range.
Central Plains Bancshares, Inc. Common Stock's current EV/EBITDA is 12.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.7x.
Central Plains Bancshares, Inc. Common Stock's return on equity (ROE) is 4.6%. The historical average is 5.6%.
Based on historical data, Central Plains Bancshares, Inc. Common Stock is trading at a P/E of 18.1x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Central Plains Bancshares, Inc. Common Stock has 69.5% gross margin and 16.5% operating margin. Operating margin between 10-20% is typical for established companies.
Central Plains Bancshares, Inc. Common Stock's Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.