Central Plains Bancshares, Inc. Common Stock (CPBI) Stock

Central Plains Bancshares, Inc. Common Stock (CPBI) is a Financials stock trading at $21.14 (as of 2026-09-02), with a market capitalization of $88.20M and a trailing P/E of 19.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Central Plains Bancshares, Inc. provides banking products and services for retail customers and small- to mid-sized commercial customers in Nebraska. It offers deposit accounts, residential and commercial lending (including mortgage, real estate, construction, agricultural, and consumer loans), and electronic banking services such as mobile and online banking, bill pay, and electronic funds transfers.

Understand Central Plains Bancshares, Inc. Common Stock: how it makes money

Central Plains Bancshares is a small community bank in Nebraska offering checking, savings, and certificate accounts alongside residential mortgages, commercial, and agricultural loans to local individuals and small businesses. It earns money primarily from the interest spread on loans funded by local deposits, with agricultural and small-business lending driving most of the book.

Profit comes from the spread between low-cost Nebraska deposits and higher-yielding local loans, with heavy agricultural exposure making earnings swing with crop cycles.

Business quality (Solid): The bank runs an efficient operation (24% operating margin), but returns on equity are modest and the single-state, relationship-driven model limits upside.

Valuation: At 19× earnings, CPBI trades 48% above the Banking average (13×).

Bull case

  • Solid operating efficiency: Operating margin of 24% is strong for a community bank this size, showing the loan book and fee income are converting revenue at a healthy rate without heavy overhead.

Bear case

  • Premium valuation for a small bank: At 19.1x earnings versus a 13x banking industry average (48% above), the stock embeds growth expectations that a single-state Nebraska community lender may struggle to sustain over several years.
Valuation — source: SEC EDGAR (first-party)
Price$21.14
Market Cap$88.20M
P/E Ratio19.6
EV / EBITDA8.2
Price / Book0.98
Price / Sales3.07
FCF Yield6.6%
DCF Value (model)$8.02
DCF Upside vs Price-62.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$27.66M
Net Margin14.5%
Revenue Growth (YoY)16.8%
EPS Growth (YoY)50.0%
FCF Growth (YoY)-73.9%
Valuation vs Sector & Industry
Stock P/E19.6
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector31.3%
vs Industry54.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderSTILWELL VALUE LLC ($6.28M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODannel R. Garness
Employees71
CountryUS
IPO Date2023-10-20

Related Companies (Banking; 8 comparable banks)

  • First Seacoast Bancorp (FSEA)
  • BankUnited, Inc. (BKU)
  • Kentucky First Federal Bancorp (KFFB)
  • BV Financial, Inc. (BVFL)
  • Capitol Federal Financial, Inc. (CFFN)
  • Magyar Bancorp, Inc. (MGYR)
  • Catalyst Bancorp, Inc. (CLST)
  • Provident Financial Holdings, Inc. (PROV)
CPBI earnings history · CPBI institutional & insider holders · CPBI KPIs & operating metrics · CPBI financials · CPBI investor presentations & press releases · CPBI SEC filings · CPBI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.