— · Financial Statements

Central Plains Bancshares, Inc. (CPBI) Financial Statements

$20.73 —: CPBI Market Cap $86.49M

Central Plains Bancshares, Inc. most recently reported annual revenue of $30.0M, net profit of $4.0M. Revenue grew at an average annual rate of 17.0% over the last 4 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Central Plains Bancshares, Inc.: Revenue rose from $16.0M in 2021 to $30.0M in 2025, a change of +87.5% over 4 years; net profit was positive in all 5 reported years; operating margin moved from 23.9% to 16.4%, a shift of -7.4 percentage points; the most recent year shows net profit of $4.0M.

Income Statement — 5 Years (USD millions)

Metric20212022202320242025
Revenue$16.0M$18.0M$24.0M$27.0M$30.0M
Operating Expenses$12.0M$16.0M$19.0M$23.0M$25.0M
Operating Profit$4.0M$2.0M$5.0M$5.0M$5.0M
Operating Margin23.9%10.7%19.5%16.6%16.4%
Other Income$0$0$0$0$0
Interest$1.0M$3.0M$6.0M$8.0M$9.0M
Depreciation$0$1.0M$1.0M$0$1.0M
Profit Before Tax$4.0M$2.0M$5.0M$5.0M$5.0M
Tax$15.9M$16.1M$18.9M$19.2M$19.9M
Net Profit$3.0M$2.0M$4.0M$4.0M$4.0M
EPS$0.86$0.40$1.10$0.96$1.05
Dividend Payout0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

4 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$6.0M$6.0M$6.0M$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M$8.0M$8.0M$8.0M
Operating Expenses$4.0M$5.0M$5.0M$5.0M$6.0M$6.0M$6.0M$6.0M$6.0M$6.0M$7.0M$6.0M
Operating Profit$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$2.0M
Operating Margin21.6%18.2%16.9%17.0%17.1%17.3%15.0%17.0%14.9%18.7%15.1%22.2%
Interest$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M
Profit Before Tax$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$2.0M
Tax$21.0M$18.9M$15.7M$18.6M$17.7M$20.1M$20.4M$19.6M$20.9M$20.3M$18.5M$19.3M
Net Profit$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
EPS$0.24$0.31$0.24$0.24$0.25$0.25$0.22$0.26$0.23$0.31$0.24$0.39

Over the 5 years reported for Central Plains Bancshares, Inc., cash stood at $7.0M in the latest year, shareholders' equity was negative at $-3.0M.

Balance Sheet — 5 Years (USD millions)

Metric20212022202320242025
Total Assets$414.0M$438.0M$463.0M$509.0M$559.0M
Current Assets$20.0M$367.0M$14.0M$0$73.0M
Cash$0$17.0M$11.0M$29.0M$7.0M
Inventory$0$0$0$0$0
Receivables$0$351.0M$2.0M$3.0M$3.0M
Fixed Assets$4.0M$4.0M$6.0M$13.0M$13.0M
Capital Work in Progress$0$0$0$0$0
Investments$0$58.0M$61.0M$112.0M$63.0M
Other Assets$0$0$0$0$0
Total Liabilities$375.0M$399.0M$385.0M$425.0M$470.0M
Current Liabilities$266.0M$4.0M$69.0M$0$0
Borrowings$0$0$0$0$0
Other Liabilities$375.0M$399.0M$385.0M$425.0M$469.0M
Equity$0$0$0$0$-3.0M
Reserves$38.0M$39.0M$78.0M$83.0M$89.0M

For Central Plains Bancshares, Inc., operating cash flow was positive in 5 of 5 reported years; free cash flow in the latest year was $6.0M; free cash flow was positive in 4 of 5 years.

Cash Flow Statement — 5 Years (USD millions)

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—

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

What is Central Plains Bancshares, Inc.'s annual revenue?

Central Plains Bancshares, Inc. (CPBI) reported annual revenue of $30.0M in its most recent fiscal year.

What is Central Plains Bancshares, Inc.'s net profit?

Central Plains Bancshares, Inc. (CPBI) reported net profit of $4.0M in its most recent fiscal year.

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