Central Plains Bancshares, Inc. (CPBI) AI Stock Analysis
CPBI AI stock analysis summary
AI ResearchCentral Plains Bancshares, Inc. (CPBI) is a regional bank holding company providing retail and commercial banking services in Nebraska. For FY2026, the company generated $30.3M in revenue and $4.0M in net income, marking an 11.1% annual revenue growth rate. Over the trailing twelve months, CPBI achieved an operating margin of 32.8% and diluted earnings per share of $1.18.
- Market cap
- $77.8M
- Revenue (TTM)
- $21.7M
- P/E
- 16.9x
- 1Y return
- 25.1% S&P 500 16.8%
- Avg. target
- $61.12 205.6% vs last close
Bull case
- CPBI increased quarterly earnings by 50.0% year-over-year in the quarter ended June 30, 2026.
- Free cash flow rebounded strongly to $5.8M in FY2026 compared to -$3.1M in FY2025.
- The company trades at a price-to-book ratio of 0.9x with $90.3M in shareholders' equity as of June 30, 2026.
Bear case
- CPBI trades at a trailing price-to-earnings ratio of 16.9x, higher than the peer median of 12.1x for US-listed Financial Services.
- Annual revenue growth slowed from 29.3% in FY2024 to 14.7% in FY2025 and 11.1% in FY2026.
- Return on assets remains low at 0.9% for the trailing twelve months.
What Central Plains Bancshares does
Central Plains Bancshares, Inc. operates as the bank holding company for community banking operations primarily situated in Nebraska. Its retail and commercial offerings include checking accounts, savings accounts, and certificates of deposit. The company provides a comprehensive suite of loan products, including one- to four-family residential mortgages, commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, agricultural loans, consumer loans, and construction and land development financing. It also delivers electronic banking services such as mobile banking, online banking with bill payment capabilities, and electronic funds transfer.
Growth and profitability
Revenue expanded from $15.7M in FY2022 to $30.3M in FY2026, reflecting a 4-year revenue compound annual growth rate of 17.9%. Annual revenue growth registered at 11.1% in FY2026 following 14.7% in FY2025 and 29.3% in FY2024. Net income reached $4.0M in FY2026 with a net margin of 13.2%, compared to $3.7M and 13.4% in FY2025. Gross margin stood at 69.5% in FY2026, matching FY2023. In the latest quarter ended June 30, 2026, quarterly revenue growth accelerated to 13.1% year-over-year, while quarterly earnings growth increased by 50.0% year-over-year. TTM revenue reached $21.7M with a profit margin of 20.8%.
Balance sheet and cash flow
As of June 30, 2026, Central Plains Bancshares held $69.1M in cash and short-term investments, with total assets of $562.4M and shareholders' equity of $90.3M. In FY2026, operating cash flow totaled $6.7M, supporting free cash flow of $5.8M after $878,000 in capital expenditures. This improved from FY2025, when free cash flow was -$3.1M. The company allocated $679,000 to share buybacks during FY2026.
Valuation and performance
CPBI trades at a trailing price-to-earnings multiple of 16.9x, which is above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio stands at 3.6x compared to the peer median of 3.2x, while its enterprise value to EBITDA multiple is 2.4x versus the peer median of 11.7x. The stock trades at a price-to-book ratio of 0.9x. Over the past year, CPBI returned 25.1%, outperforming the S&P 500 (SPY) return of 16.8%.
What analysts expect
The mean price target for CPBI stands at $61.12, representing an upside of 205.6% relative to the last close of $20.00 on October 16, 2026. For the trailing twelve months, the company recorded earnings per share of $1.18, up from $1.04 reported in FY2026. CPBI's next earnings date is scheduled for November 12, 2026.
Key risks and what to watch
- Operating margin of 16.5% in FY2026 remains well below the 23.9% achieved in FY2022.
- Return on equity of 5.1% trails broader financial sector profitability benchmarks.
- The bank holds $562.4M in total assets, leaving operations concentrated and sensitive to regional economic changes in Nebraska.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this CPBI AI stock analysis
This page is an AI-written research summary of Central Plains Bancshares, Inc. (CPBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: CPBI income statement, CPBI balance sheet, CPBI key metrics, CPBI chart. See the CPBI stock overview for the latest quote and news.
CPBI AI stock analysis FAQ
What is Central Plains Bancshares' market capitalization and valuation?
Central Plains Bancshares has a market capitalization of $77.8M and an enterprise value of $27.8M. It trades at a trailing P/E of 16.9x and a price-to-book ratio of 0.9x.
Does Central Plains Bancshares pay a dividend?
Central Plains Bancshares does not currently report dividend payments, though it directed $679,000 toward share buybacks in FY2026.
How fast is CPBI growing?
CPBI generated a 4-year revenue CAGR of 17.9% from FY2022 to FY2026, with FY2026 revenue increasing 11.1% to $30.3M. In its latest quarter ended June 30, 2026, revenue increased 13.1% year-over-year.
When is CPBI's next earnings report?
CPBI is scheduled to report its next earnings on November 12, 2026.