— · Banks - Regional

Central Plains Bancshares, Inc. (CPBI) Stock

$20.73 -0.10% —: CPBI Financial Services

Valuation

MetricValue
Price$20.73
Market Cap$86.49M
P/E Ratio17.16
P/B Ratio0.84
P/S Ratio2.67
EPS (TTM)$0.00
52-Week High$21.84
52-Week Low$15.56
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE5.10%
ROA0.80%
ROCE1.00%
Gross Margin14.81%
Operating Margin18.52%
Net Margin14.33%
Debt/Equity0.00
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$16.0M$18.0M$24.0M$27.0M$30.0M
Operating Profit$4.0M$2.0M$5.0M$5.0M$5.0M
Net Profit$3.0M$2.0M$4.0M$4.0M$4.0M
EPS$0.86$0.40$1.10$0.96$1.05
Op Margin23.9%10.7%19.5%16.6%16.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$414.0M$438.0M$463.0M$509.0M$559.0M
Total Liabilities$375.0M$399.0M$385.0M$425.0M$470.0M
Cash$0$17.0M$11.0M$29.0M$7.0M
Borrowings$0$0$0$0$0

Latest News

Central Plains Bancshares, Inc. Approves Regulatory Submission of New 10% Repurchase Program Business Wire · Jul 29, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$4.0M$6.0M$4.0M$7.0M
Investing Cash Flow$-49.0M$-33.0M$-33.0M$-35.0M$-50.0M
Financing Cash Flow$35.0M$26.0M$-16.0M$40.0M$43.0M
Net Cash Flow$-8.0M$-2.0M$-5.0M$17.0M$1.0M
Free Cash Flow$4.0M$4.0M$3.0M$-3.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.88
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y33.71%
Return 3Y—
Return 5Y—

Ownership

Insiders Held26.43%
Institutions Held32.72%
Institutions Float Held44.48%
Institutional HolderSharesReport Date
Stilwell Value LLC366,9012026-03-31
Graham Capital Wealth Management, LLC177,6522026-03-31
Oppenheimer & Close, LLC165,0072026-03-31
Mangrove Partners IM, LLC158,0972026-03-31
Vanguard Capital Management LLC153,7752026-03-31

About Central Plains Bancshares, Inc.

Central Plains Bancshares, Inc. is led by CEO Dannel R. Garness, employs 71 people, headquartered in US, publicly traded since 2023.

Central Plains Bancshares, Inc. (CPBI) stock trades at $20.73 with a market capitalization of $86.49M. The stock is valued at a price-to-earnings (P/E) ratio of 17.16, price-to-book of 0.84, price-to-sales of 2.67. Over the past 52 weeks the stock has ranged between $15.56 and $21.84, and currently trades 5.1% below its 52-week high.

On profitability, Central Plains Bancshares, Inc. generates a return on equity (ROE) of 5.10%, return on capital employed of 1.00%, an operating margin of 18.52%, a net profit margin of 14.33%.

Central Plains Bancshares, Inc. by the numbers, 2021–2025

Between 2021 and 2025 Central Plains Bancshares, Inc. reported revenue of $16.0M rising to $30.0M, a change of +87.5% across 5 years. Compounded, revenue has grown —% a year over five years, 18.6% over three, 11.1% over the last twelve months. Net profit rose to $4.0M.

Operating margin went from 23.9% in 2021 to 16.4% in 2025, a fall of 7.4 percentage points. The most recent net margin is 14.33%. On a trailing twelve-month basis to Jun '26, revenue is $31.0M and net profit $4.0M.

Borrowings stand at $0, cash from operations was $7.0M in the latest year, positive in 5 of the last 5.

Return on equity has averaged 5.5% over five years, and was 4.5% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Central Plains Bancshares, Inc. (CPBI) — frequently asked questions

What is Central Plains Bancshares, Inc. (CPBI) stock price today?

Central Plains Bancshares, Inc. (CPBI) is currently trading at $20.73, down 0.1% today.

What is CPBI P/E ratio?

Central Plains Bancshares, Inc.'s P/E ratio is 17.16. This is between 15x and 30x, around the typical market average of roughly 18-22x.

What is CPBI return on equity (ROE)?

Central Plains Bancshares, Inc.'s return on equity (ROE) is 5.10%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Central Plains Bancshares, Inc.'s market cap?

Central Plains Bancshares, Inc. has a market capitalization of $86.49M.

Does CPBI pay a dividend?

Central Plains Bancshares, Inc. is not currently showing a dividend yield in our data, which means no recent cash dividend was recorded for it.

How much debt does CPBI carry?

Central Plains Bancshares, Inc. has a debt-to-equity ratio of 0.00. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is CPBI's profit margin?

Central Plains Bancshares, Inc. reports a net profit margin of 14.33% — the share of revenue left after every cost, including tax and interest.

What sector is CPBI in?

Central Plains Bancshares, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is CPBI listed on?

Central Plains Bancshares, Inc. trades on — under the ticker CPBI.

What is CPBI's 52-week range?

Over the last year Central Plains Bancshares, Inc. has traded between $15.56 and $21.84.

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Screens CPBI currently matches

On the figures above, Central Plains Bancshares, Inc. passes the filters for 3 of our ready-made screens, among them Debt Free Stocks Under $100, Micro Cap Stocks, Debt Free Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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