Central Plains Bancshares, Inc.
CPBI Nasdaq Savings Institution, Federally Chartered Financials FY2023–FY2026
Last close · Oct 23, 2026
$20.75
0.0%
Revenue
Total sales reported in the income statement.
$21.0M
11.3%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
76.3%
0.2 pts
Net income
Profit after all expenses, interest and tax.
$4.0M
9.5%
Return on equity
Net income as a share of average shareholders' equity.
4.6%
0.1 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$79.3M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
17.6x
On $1.18 EPS (TTM)
What Central Plains Bancshares, Inc. does
No business description yet.
- Legal name
- Central Plains Bancshares, Inc.
- Fiscal year ends
- March 31, 2026
- Latest annual report
- 10-K · Jun 18, 2026
- Accession · CIK
- 0001193125-26-275962
0001979332
Revenue and margins
Central Plains Bancshares, Inc. had $21.0M of revenue in fiscal 2026, up 11.3% on the year before.
FY23
Revenue $12.8M
FY24
Revenue $17.2M
FY25
Revenue $18.9M
FY26
Revenue $21.0M
Q2 '24
Revenue $4.2M
Q3 '24
Revenue $4.4M
Q4 '24
Revenue $4.6M
Q1 '25
Revenue $4.6M
Q2 '25
Revenue $4.7M
Q3 '25
Revenue $4.7M
Q4 '25
Revenue $4.9M
Q1 '26
Revenue $5.1M
Q2 '26
Revenue $5.2M
Q3 '26
Revenue $5.6M
Q4 '26
Revenue $5.2M
Q1 '27
Revenue $5.8M
FY23
Net interest share 82.2%
Efficiency ratio 84.7%
FY24
Net interest share 83.4%
Efficiency ratio 73.1%
FY25
Net interest share 86.2%
Efficiency ratio 76.1%
FY26
Net interest share 87.3%
Efficiency ratio 76.3%
Net interest share
Efficiency ratio
Q2 '24
Net interest share 83.9%
Efficiency ratio 70.8%
Q3 '24
Net interest share 80.0%
Efficiency ratio 74.0%
Q4 '24
Net interest share 86.1%
Efficiency ratio 76.5%
Q1 '25
Net interest share 86.6%
Efficiency ratio 75.8%
Q2 '25
Net interest share 86.7%
Efficiency ratio 75.3%
Q3 '25
Net interest share 86.1%
Efficiency ratio 74.8%
Q4 '25
Net interest share 85.4%
Efficiency ratio 78.3%
Q1 '26
Net interest share 87.3%
Efficiency ratio 76.1%
Q2 '26
Net interest share 86.9%
Efficiency ratio 78.5%
Q3 '26
Net interest share 87.3%
Efficiency ratio 73.5%
Q4 '26
Net interest share 87.8%
Efficiency ratio 77.3%
Q1 '27
Net interest share 89.0%
Efficiency ratio 68.2%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY23
Net income $1.6M
FY24
Net income $3.8M
FY25
Net income $3.7M
FY26
Net income $4.0M
Q2 '24
Net income $1.0M
Q3 '24
Net income $0.9M
Q4 '24
Net income $0.9M
Q1 '25
Net income $0.9M
Q2 '25
Net income $1.0M
Q3 '25
Net income $1.0M
Q4 '25
Net income $0.8M
Q1 '26
Net income $1.0M
Q2 '26
Net income $0.9M
Q3 '26
Net income $1.2M
Q4 '26
Net income $1.0M
Q1 '27
Net income $1.5M
FY23
Diluted EPS —
FY24
Diluted EPS $2.19
FY25
Diluted EPS $0.96
FY26
Diluted EPS $1.05
Q2 '24
Diluted EPS —
Q3 '24
Diluted EPS $0.31
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS $0.24
Q2 '25
Diluted EPS $0.25
Q3 '25
Diluted EPS $0.25
Q4 '25
Diluted EPS $0.22
Q1 '26
Diluted EPS $0.26
Q2 '26
Diluted EPS $0.23
Q3 '26
Diluted EPS $0.31
Q4 '26
Diluted EPS $0.25
Q1 '27
Diluted EPS $0.39
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY23
ROE 4.3%
ROTE 4.3%
Efficiency ratio 84.7%
FY24
ROE 6.4%
ROTE 4.8%
Efficiency ratio 73.1%
FY25
ROE 4.5%
ROTE 4.4%
Efficiency ratio 76.1%
FY26
ROE 4.6%
ROTE 4.5%
Efficiency ratio 76.3%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Central Plains Bancshares, Inc. returned $0.7M to shareholders in fiscal 2026, 12% of free cash flow. The diluted share count fell 0.1%.
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks $0.4M
FY26
Dividends —
Buybacks $0.7M
Dividends
Buybacks
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks $0.3M
Q1 '26
Dividends —
Buybacks $0.3M
Q2 '26
Dividends —
Buybacks $0.1M
Q3 '26
Dividends —
Buybacks $0.2M
Q4 '26
Dividends —
Buybacks $0.1M
Q1 '27
Dividends —
Buybacks $0.3M
Dividends
Buybacks
FY23
Diluted shares —
FY24
Diluted shares 0.00B
FY25
Diluted shares 0.00B
FY26
Diluted shares 0.00B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY23
Loans $348M
Deposits $391M
FY24
Loans —
Deposits $375M
FY25
Loans —
Deposits $416M
FY26
Loans —
Deposits $460M
Loans
Deposits
| Fiscal year end | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Loans, net | $348M | — | — | — |
| Deposits | $391M | $375M | $416M | $460M |
| Loans / deposits | 89.1% | — | — | — |
| Total assets | $438M | $463M | $509M | $559M |
| Shareholders' equity | $38.7M | $78.3M | $83.3M | $89.0M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
4 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $12.8M | $17.2M | $18.9M | $21.0M |
| Net interest income | $10.5M | $14.4M | $16.3M | $18.4M |
| Noninterest income | $2.3M | $2.9M | $2.6M | $2.7M |
| Noninterest expense | $10.8M | $12.6M | $14.4M | $16.0M |
| Interest expense | $2.7M | $6.5M | $8.2M | $9.0M |
| Pretax income | $2.0M | $4.6M | $4.5M | $5.0M |
| Income tax | $0.3M | $0.9M | $0.9M | $1.0M |
| Net income | $1.6M | $3.8M | $3.7M | $4.0M |
| Diluted EPS | — | $2.19 | $0.96 | $1.05 |
| Diluted shares | — | 0.00B | 0.00B | 0.00B |
| Cash flow | ||||
| Cash from operations | $4.5M | $5.7M | $4.5M | $6.7M |
| Capital expenditure | $0.3M | $2.3M | $7.5M | $0.9M |
| Free cash flow | $4.2M | $3.4M | −$3.1M | $5.8M |
| Depreciation and amortization | $0.5M | $0.5M | $0.5M | $1.0M |
| Stock-based compensation | — | — | $0.2M | $0.8M |
| Share buybacks | — | — | $0.4M | $0.7M |
| Dividends and buybacks | — | — | $0.4M | $0.7M |
| Balance sheet | ||||
| Cash and short-term investments | $16.6M | $11.5M | $28.7M | $29.9M |
| Loans, net | $348M | — | — | — |
| Deposits | $391M | $375M | $416M | $460M |
| Property and equipment, net | $4.1M | $5.9M | $12.9M | $12.8M |
| Total assets | $438M | $463M | $509M | $559M |
| Total liabilities | $399M | $385M | $425M | $470M |
| Shareholders' equity | $38.7M | $78.3M | $83.3M | $89.0M |
| Margins | ||||
| Net margin | 12.9% | 21.8% | 19.3% | 19.0% |
| FCF margin | 32.6% | 19.9% | −16.2% | 27.6% |
| Net interest share of revenue | 82.2% | 83.4% | 86.2% | 87.3% |
| Efficiency ratio | 84.7% | 73.1% | 76.1% | 76.3% |
| Returns | ||||
| Return on equity | 4.3% | 6.4% | 4.5% | 4.6% |
| Return on assets | 0.4% | 0.8% | 0.8% | 0.7% |
| Return on tangible equity | 4.3% | 4.8% | 4.4% | 4.5% |
| Growth | ||||
| Revenue growth | — | 34.6% | 9.6% | 11.3% |
| Net income growth | — | 128.4% | −2.8% | 9.5% |
| EPS growth | — | — | −56.2% | 9.4% |
| FCF growth | — | −17.8% | −189.5% | — |
| Share count change | — | — | 122.2% | −0.1% |
| Financial health | ||||
| Loans / deposits | 89.1% | — | — | — |
| Capital allocation | ||||
| Capex / revenue | 2.4% | 13.2% | 39.8% | 4.2% |
| Stock comp / revenue | — | — | 1.0% | 3.6% |
| Payouts / FCF | — | — | — | 11.7% |
| Quality scores | ||||
| Accruals ratio | −0.6% | −0.4% | −0.2% | −0.5% |
Source: SEC EDGAR XBRL filings (CIK 0001979332). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.