Skip to content
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 Framework: Banks & Lenders Micro Cap
Central Plains Bancshares, Inc. (CPBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $20.33, about 19.0% undervalued vs fair value, +35.7% 1Y return, ranked 752/1078 in sector.
Metrics Rev Growth 11.9% ROE 4.6%
USD 20.33
1.04%
(Delayed)
• Vol 90d: 18.1%
52-Week Range
Market Cap
$74.45M
Enterprise Value
$53.02M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 70%
Confidence: 81%
Updated: Jul 5
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: $20.33 +19% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$27.7M
12%%
Interest Expense
$9.0M
Net Interest Income
$18.7M
13.3%%
Total Revenue
$21.1M
11.9%%
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
4.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$679.0K
17.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
49
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
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 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing CPBI's balance between Growth (30.3%), Profitability (21.2%), and Safety (48.5%). Growth 30% Safety 48% Profitability 21%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

48th percentile vs peers
49
Key Signals
Asset Growth YoY 9.8% 73p NII Growth YoY 13.2% 61p Loan Growth YoY 7.5% 40p Equity Growth YoY 6.8% 38p EPS Growth YoY -56.2% 9p
Strengths
  • Equity/Assets in top 20% of peers (15.9%, 87th percentile)
  • Financial Leverage in top 20% of peers (6.19, 88th percentile)
  • Debt/Assets in top 20% of peers (0.1%, 99th percentile)
  • D/E Ratio in top 20% of peers (0.3%, 98th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-56.2%)

Profitability

34th percentile vs peers
34
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

78th percentile vs peers
78
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$24.19
- - -
+19.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000