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Company Analysis

Central Plains Bancshares, Inc. CPBI

A comprehensive view of key metrics, scores, and financial health for Central Plains Bancshares, Inc.

Overview of Central Plains Bancshares, Inc.

CPBI NCM
Financial Services Banks - Regional Micro Cap
Central Plains Bancshares, Inc. (CPBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.52, about 36.1% undervalued vs fair value, +18.7% 1Y return, ranked 656/1004 in sector.
$17.52
-0.17%
As of March 13, 2026
Previous close • Vol 90d: 18.5%
52-Week Range
Market Cap
$73.68M
Enterprise Value
$54.07M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.homefederalne.bank
HQ Grand Island, NE
Employees 68
Fiscal year Mar 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$13
$24
$45
Current: $17.52 +36% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$24.7M
17.8%%
Interest Expense
$8.2M
Net Interest Income
$16.5M
13.9%%
Total Revenue
$18.8M
10.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$413.0K
11.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Central Plains Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
38
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 83% Coverage
Trade-Off Triangle Visualization A ternary plot showing CPBI's balance between Growth (45.6%), Profitability (26.6%), and Safety (27.9%). Growth 46% Safety 28% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Asset Growth YoY 9.8% 78p Rev Growth YoY 10.3% 18p
Strengths

No notable strengths identified for this axis.

Risks
  • Rev Growth Yoy in bottom 20% of peers (10.3%)

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

27th percentile vs peers
27
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Central Plains Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.85
- - -
+36.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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