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Central Plains Bancshares(NASDAQ) CPBI

Current Price$19.87
Market Cap$84.12MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2023)+121%
5 YearN/A
1 Year+34%
1 Month+7%
Central Plains Bancshares last closing stock price
MetricPriceDate
Last closeUSD 20.112026-07-23
Central Plains Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.65%USD 19.982026-07-16
1 month+7.42%USD 18.722026-06-23
3 month+15.71%USD 17.382026-04-24
Year to date+18.85%USD 16.922025-12-31
1 year+34.25%USD 14.982025-07-23
Since inception+120.99%USD 9.102023-10-20

Central Plains Bancshares Financials at a Glance

Market Cap

$84.12MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$30.33M

Net Income (TTM)

$4.00M

EPS (TTM)

$1.04

P/E Ratio

19.26

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$19.87

Volume

51

Open

$19.87

Previous Close

$19.87

Daily Range

$19.87 - $19.87

52-Week Range

$14.85 - $21.83

Estimated Earnings Date

Jun 18, 2026

CPBI News

No articles available.

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About Central Plains Bancshares

Central Plains Bancshares helps Nebraskans manage money and access loans. It offers checking, savings, and mortgages for families and businesses. Its services support daily banking needs and local economic growth.

Products and Services

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses (revenue breakdown not disclosed).
  • Residential Loans: Mortgages for one- to four-family homes, helping people buy or refinance property (39.2% of loan portfolio).
  • Commercial Lending: Loans for business real estate, operations, and development projects (30.2% of loan portfolio).
  • Agricultural Loans: Financing for farms and agribusinesses, including land and equipment (11.5% of loan portfolio).
  • Consumer Loans: Personal loans for vehicles, education, or other needs (3.3% of loan portfolio).
  • Electronic Banking: Mobile and online banking, bill pay, and electronic transfers for convenient account access.

Growth and Expansion

  • Opened new full-service branches in Lincoln and Hastings, Nebraska in 2025.
  • Launched a stock repurchase program in 2024, with 154,397 shares available as of June 2025.
  • Introduced a 2024 Equity Incentive Plan, granting stock options and restricted stock to employees.
  • Expanded loan portfolio by 2.7% in Q2 2025, focusing on real estate and agriculture.

What Makes Central Plains Stand Out

Central Plains focuses on community banking, serving both individuals and local businesses. It maintains strong capital ratios and a conservative risk approach. The company’s diversified loan mix helps manage risk across economic cycles.

Five Things You Need to Know

  • Revenue was $5 million in Q2 2025, up 10.6% from Q2 2024.
  • Net income was $1 million in Q2 2025, down 3.1% year-over-year.
  • Book value per share reached $17.5 in Q2 2025, up 38.8% year-over-year.
  • Total assets were $62 million in Q2 2025, up 28.6% from Q2 2024.
  • Cash flow from operations was $1 million in Q2 2025, down 5.8% year-over-year.

Bottom Line

Central Plains has grown by expanding branches and diversifying its loan portfolio. Its focus on local banking and strong capital positions it for stability in a changing market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

68

CEO

Dannel R. Garness

Website

www.homefederalne.bank

Headquarters

Grand Island, NE 68801, US

CPBI Financials

Key Financial Metrics (TTM)

Gross Margin

69.35%

Operating Margin

16.45%

Net Income Margin

13.19%

Return on Equity

4.60%

Return on Capital

5.60%

Return on Assets

0.72%

Earnings Yield

5.19%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$84.12MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.18M

Volume

51

Avg. Volume

3.74K

Financials (TTM)

Gross Profit

$21.03M

Operating Income

$4.99M

EBITDA

$5.96M

Operating Cash Flow

$6.69M

Capital Expenditure

-$2.55M

Free Cash Flow

$4.13M

Cash & ST Invst.

$85.99M

Total Debt

$0.00

Central Plains Bancshares Performance Analysis

Central Plains Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-03-31USD 18,421,00017.5%
20242024-03-31USD 23,816,00029.3%
20252025-03-31USD 27,313,00014.7%
20262026-03-31USD 30,332,00011.1%
Central Plains Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-06-301.7%
Q22025-09-303.2%
Q32025-12-315.5%
Q42026-03-31-1.5%
Central Plains Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-03-31USD 0.45-47.7%
20242024-03-31USD 2.19389.2%
20252025-03-31USD 0.96-56.2%
20262026-03-31USD 1.059.6%
Central Plains Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-06-3018.2%
Q22025-09-30-11.5%
Q32025-12-3134.8%
Q42026-03-31-22.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$7.76M

+9.1%

Gross Profit

$5.15M

+5.0%

Gross Margin

66.42%

N/A

Market Cap

$84.12MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.24M

N/A

Employees

68

N/A

Net Income

$955.00K

+12.6%

EBITDA

$1.40M

+23.8%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

$85.99M

+6.4%

Total Debt

$0.00

N/A

Accounts Receivable

$3.26M

+5.0%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.72%

N/A

Return on Invested Capital

0.89%

N/A

Free Cash Flow

$1.78M

+375.6%

Operating Cash Flow

$3.37M

+61.7%

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Questions About CPBI

What is the current price of Central Plains Bancshares?

Central Plains Bancshares is trading at $19.87 per share.

What is the 52-week range for Central Plains Bancshares?

Over the past 52 weeks, Central Plains Bancshares has traded between $14.85 and $21.83.

How much debt does Central Plains Bancshares have?

As of the most recent reporting period, Central Plains Bancshares reported total debt of $195.00K.

How much cash does Central Plains Bancshares have on hand?

Central Plains Bancshares does not have cash on hand data available.

What is Central Plains Bancshares’s dividend yield?

Central Plains Bancshares does not currently have a dividend yield.

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