Central Plains Bancshares (CPBI) Stock Price, Financials & Analysis

Key Stats

Market Cap85.75 Mn

P/E18.57

FCF (Yr)5.81 Mn

ROA (Yr)0.75

EV to EBIT-2.05

Net Income (Yr)4.00 Mn

Enterprise Value-30.68 Mn

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About

Central Plains Bancshares Inc is a Maryland corporation that owns all of the outstanding common stock of Home Federal Savings and Loan Association of Grand Island which operates under the name Home Federal Bank. The company’s main activity is gathering deposits from the public and using those funds together with earnings to make loans. Its lending focus includes one to four family residential mortgages commercial real estate loans agricultural loans and various consumer…

The company generates revenue primarily from interest earned on its loan portfolio. It also earns fees from deposit services such as account maintenance ATM usage and electronic banking products. Additional income comes from gains on the sale of loans and from investment securities.

Within its primary market area which covers Adams Dawson Hall Lancaster Nuckolls and Phelps counties in Nebraska the company faces competition from larger regional banks community banks credit unions and mortgage companies. Based on FDIC data as of June 30 2024 it ranked third among the 17 FDIC insured institutions in Hall County with a deposit market share of 11.12 percent. Its competitive advantages stem from deep local relationships a focus on personalized service and a strong understanding of the agricultural and manufacturing economies of the region.

The bank serves a diverse mix of individuals small businesses farmers and ranchers within its geographic footprint. Deposit customers include households seeking checking savings money market and certificate of deposit accounts as well as local businesses and public entities. Borrowers consist of home owners seeking residential mortgages owners of commercial real estate producers needing agricultural financing and consumers requesting auto or personal loans. No specific customer names are disclosed in the filing.

How Central Plains Bancshares ranks

Ranked against the 379 companies in Banking58 metrics · as of Nov 11, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last

P/E 18.6xMedian 12.0x 20^th
P/FCF 13.5xMedian 10.6x 33^rd
P/Operating cash flow 13.0xMedian 9.56x 25^th
P/S 3.89xMedian 3.41x 32^nd
P/B 0.95xMedian 1.24x 79^th
P/Tangible book 0.95xMedian 1.27x 81^st
EV/EBITDA 26.8xMedian 5.13x 8^th
EV/EBIT 28.4xMedian 5.28x 8^th
EV/Revenue 19.3xMedian 3.68x 5^th
EV/FCF 66.7xMedian 11.4x 10^th
EV/Operating cash flow 64.6xMedian 10.6x 8^th
PEG (3Y EPS CAGR) —Median 1.28 No data —

Growth

14 metrics · Year-on-year growth and three-year compound annual growth

Revenue growth (1Y) 12.2%Median 11.5% 52^nd
Revenue CAGR (3Y) 11.8%Median 7.6% 67^th
Gross profit growth (1Y) —Median 18.3% No data —
Gross profit CAGR (3Y) —Median 10.2% No data —
Operating income growth (1Y) —Median 7.2% No data —
Operating income CAGR (3Y) —Median 1.0% No data —
Net income growth (1Y) 20.5%Median 21.2% 48^th
Net income CAGR (3Y) 32.9%Median 9.2% 90^th
EPS growth (1Y) 19.9%Median 20.9% 48^th
EPS CAGR (3Y) —Median 7.0% No data —
Operating cash flow growth (1Y) 70.7%Median 24.2% 76^th
Operating cash flow CAGR (3Y) 7.9%Median 7.2% 53^rd
Free cash flow growth (1Y) 265%Median 25.9% 94^th
Free cash flow CAGR (3Y) 8.8%Median 7.9% 53^rd

Profitability

14 metrics · Margins, returns on capital and the quality of earnings

Gross margin —Median 97.2% No data —
EBITDA margin 71.9%Median 72.2% 50^th
Operating margin —Median 23.3% No data —
Pretax margin 25.4%Median 35.3% 25^th
Net margin 20.4%Median 28.5% 26^th
FCF margin 28.9%Median 32.6% 40^th
Operating cash flow margin 29.8%Median 34.6% 33^rd
Return on equity 5.0%Median 10.6% 15^th
Return on assets 0.8%Median 1.1% 25^th
Return on invested capital —Median 14.9% No data —
Return on capital employed —Median 3.4% No data —
Asset turnover 0.04xMedian 0.04x 47^th
Cash conversion (OCF / net income) 1.46xMedian 1.21x 74^th
Stock comp / revenue 3.5%Median 1.3% 6^th

Financial Health

11 metrics · Leverage, liquidity and solvency; less debt ranks higher

Debt / assets 67.8%Median 5.0% 5^th
Debt / equity 4.22xMedian 0.45x 9^th
Net debt / EBITDA 21.4xMedian 0.31x 5^th
Debt / FCF 59.8xMedian 3.42x 3^rd
Liabilities / assets 83.9%Median 89.2% 92^nd
Equity / assets 16.1%Median 10.8% 92^nd
Interest coverage 1.60xMedian 1.79x 31^st
Current ratio —Median 0.46x No data —
Quick ratio —Median 0.45x No data —
Cash ratio —Median 0.22x No data —
Altman Z-score —Median 0.08 No data —

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	JPM	Jpmorgan Chase & Co	909.02 Bn	14.21	4.47	3,583.44 Bn
2	BSAC	Banco Santander Chile	406.67 Bn	1.53	76.82	47.85 Bn
3	BAC	Bank Of America Corp /De/	350.91 Bn	11.62	2.92	380.92 Bn
4	HSBC	Hsbc Holdings Plc	308.71 Bn	11.85	4.32	-
5	MS	Morgan Stanley	293.66 Bn	14.63	3.66	388.59 Bn
6	RY	Royal Bank Of Canada	283.56 Bn	17.39	5.52	9.69 Bn
7	GS	Goldman Sachs Group Inc	262.71 Bn	12.65	3.77	1,089.54 Bn
8	CPBI	Central Plains Bancshares, Inc.	0.09 Bn	18.57	3.89	0.38 Bn

S.No.

Ticker

Company

Market Cap

P/E

P/S

Total Debt (Qtr)

JPM

Jpmorgan Chase & Co

909.02 Bn

14.21

4.47

3,583.44 Bn

BSAC

Banco Santander Chile

406.67 Bn

1.53

76.82

47.85 Bn

BAC

Bank Of America Corp /De/

350.91 Bn

11.62

2.92

380.92 Bn

HSBC

Hsbc Holdings Plc

308.71 Bn

11.85

4.32

Morgan Stanley

293.66 Bn

14.63

3.66

388.59 Bn

Royal Bank Of Canada

283.56 Bn

17.39

5.52

9.69 Bn

Goldman Sachs Group Inc

262.71 Bn

12.65

3.77

1,089.54 Bn

CPBI

Central Plains Bancshares, Inc.

0.09 Bn

18.57

3.89

0.38 Bn

Central Plains Bancshares CPBI

About

How Central Plains Bancshares ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

Central Plains Bancshares CPBI

About

How Central Plains Bancshares ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

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