Central Plains Bancshares, Inc.
CPBI Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$20.62
KIRA · Stoqly’s AI analyst, in plain words
- Central Plains Bancshares, Inc. had $21.0M of revenue in fiscal 2026, up 11.3% on the year before.
- Central Plains Bancshares, Inc. made $4.0M of net profit in fiscal 2026.
- Central Plains Bancshares, Inc. returned $0.7M to shareholders in fiscal 2026, 12% of free cash flow. The diluted share count fell 0.1%.
- It earned 4.6% on shareholders’ money. Running costs took 76.3% of revenue (the efficiency ratio; lower is better).
Market cap
$78.8M
P/E
17.5x
Revenue
$21.0M
Net income
$4.0M
Return on equity
4.6%
Efficiency ratio
76.3%
Central Plains Bancshares, Inc. in 30 seconds · fiscal 2026
Are sales growing?
+11.3%
Yes. Sales grew 11.3% last year.
Does it make a profit?
19.0%
Yes. It keeps 19.0% of every sale as profit.
How lean are its costs?
76.3%
Costly. Running costs take 76.3% of revenue.
How much does it earn on its capital?
4.6%
Low. It earns 4.6% a year on shareholders’ money.
How is the share priced?
17.5x
One share costs 17.5 times its yearly profit per share.
What Central Plains Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- March 31, 2026
- Latest annual report
- 10-K · Jun 18, 2026
- Legal name
- Central Plains Bancshares, Inc.
- CIK
- 0001979332
Central Plains Bancshares, Inc. · CPBI
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $12.8M | $17.2M | $18.9M | $21.0M |
| Revenue growth | — | 34.6% | 9.6% | 11.3% |
| Net interest income | $10.5M | $14.4M | $16.3M | $18.4M |
| Net income | $1.6M | $3.8M | $3.7M | $4.0M |
| Net margin | 12.9% | 21.8% | 19.3% | 19.0% |
| Diluted EPS | — | $2.19 | $0.96 | $1.05 |
| Cash | ||||
| 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 |
| FCF margin | 32.6% | 19.9% | −16.2% | 27.6% |
| Share buybacks | — | — | $0.4M | $0.7M |
| Share count change | — | — | 122.2% | −0.1% |
| Debt and strength | ||||
| Cash and short-term investments | $16.6M | $11.5M | $28.7M | $29.9M |
| Loans, net | $348M | — | — | — |
| Deposits | $391M | $375M | $416M | $460M |
| Shareholders' equity | $38.7M | $78.3M | $83.3M | $89.0M |
| Returns and quality | ||||
| Return on equity | 4.3% | 6.4% | 4.5% | 4.6% |
| Return on tangible equity | 4.3% | 4.8% | 4.4% | 4.5% |
| Efficiency ratio | 84.7% | 73.1% | 76.1% | 76.3% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Central Plains Bancshares, Inc. · CPBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $20.62 a share, the company is worth $78.8M: 17.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001979332). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.