Central Plains Bancshares, Inc. (CPBI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Central Plains Bancshares, Inc. (CPBI) trades at $19.25 with AI Score 68/100 (Grade B+). Central Plains Bancshares, Inc. Market cap: $80.52M, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for CPBI: CPBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CPBI against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CPBI: 4/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Central Plains Bancshares, Inc. (CPBI) Financial Services Profile
Central Plains Bancshares, Inc. caters to retail and commercial clients in Nebraska, offering deposit accounts, loans, and digital banking. With a $80.52M market cap and a P/E ratio of 17.2, the company focuses on traditional banking services in a concentrated geographic market, reflecting a community-oriented financial institution.
What Is the Investment Thesis for CPBI?
Central Plains Bancshares, Inc. presents a focused investment opportunity within the Nebraska banking sector. With a market capitalization of $80.52M and a P/E ratio of 17.2, the company demonstrates profitability with a 13.1% profit margin. Key value drivers include its strong gross margin of 70.0% and its ability to serve a diverse range of customers, from retail clients to small and medium-sized businesses. Growth catalysts include expanding its electronic banking services to attract a younger demographic and increasing its loan portfolio within the agricultural sector, capitalizing on Nebraska's strong agricultural economy. Potential risks include the company's concentrated geographic footprint, making it susceptible to regional economic downturns, and competition from larger national banks with greater resources. The company's beta of 0.25 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
CPBI Key Highlights
- Market Cap of $80.52M indicates a small-cap company with potential for growth.
- P/E Ratio of 17.2 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 13.1% demonstrates the company's ability to generate profit from its revenue.
- Gross Margin of 70.0% indicates efficient cost management in its banking operations.
- Beta of 0.25 suggests lower volatility compared to the broader market, indicating a relatively stable investment.
Who Are CPBI's Competitors?
CPBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| NSH NavSight Holdings, Inc. | $9.93 | +3.01% | 69 | |
| LRGR Luminar Media Group, Inc. | $0.50 | +47.06% | $22.39M | 68 |
| LMAOU LMF Acquisition Opportunities, Inc. | $12.46 | +41.59% | 68 | |
| APXTW Apex Treasury Corporation | $0.37 | +5.11% | $1.96B | 66 |
| ATSPT Archimedes Tech SPAC Partners Co. | $8.18 | -14.88% | 65 | |
| ATSPW Archimedes Tech SPAC Partners Co. | $0.69 | -1.53% | 65 | |
| ATSPU Archimedes Tech SPAC Partners Co. | $8.10 | -18.18% | 65 | |
| DKDCU Data Knights Acquisition Corp. | $7.45 | +32.56% | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CPBI's Key Strengths?
- Strong local presence in Nebraska.
- Diverse range of banking products and services.
- Focus on serving retail and commercial customers.
- Experienced management team.
What Are CPBI's Weaknesses?
- Limited geographic diversification.
- Small market capitalization.
- Reliance on traditional banking model.
- Limited brand recognition outside of Nebraska.
What Could Drive CPBI Stock Higher?
- Expansion of electronic banking services to attract younger demographics and increase customer engagement.
- Increased lending to the agricultural sector, capitalizing on Nebraska's strong agricultural economy.
- Strategic partnerships with local businesses to drive customer acquisition and cross-selling opportunities.
What Are the Key Risks for CPBI?
- Financial-distress signal — its Altman Z-Score of 0.32 sits in the distress zone (elevated bankruptcy risk).
- Concentrated geographic footprint, making the company susceptible to regional economic downturns.
- Competition from larger national banks with greater resources and broader service offerings.
- Changes in banking regulations that could increase compliance costs and limit profitability.
What Are the Growth Opportunities for CPBI?
- Expansion of Electronic Banking Services: Central Plains Bancshares can capitalize on the growing demand for digital banking solutions by enhancing its mobile and online banking platforms. This includes offering more advanced features such as mobile check deposit, person-to-person payments, and financial planning tools. The market for digital banking is projected to reach $9.0 trillion by 2027, offering a significant opportunity for CPBI to attract and retain customers. Timeline: Ongoing.
- Increased Lending to the Agricultural Sector: Nebraska's economy is heavily reliant on agriculture, presenting a significant lending opportunity for Central Plains Bancshares. By offering specialized loan products tailored to farmers and agricultural businesses, the bank can expand its loan portfolio and support the local economy. The agricultural loan market in the US is estimated at $200 billion, providing ample room for growth. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can drive customer acquisition and cross-selling opportunities. By offering bundled financial services to employees of partner businesses, Central Plains Bancshares can increase its deposit base and loan volume. This approach fosters community ties and enhances brand loyalty. Timeline: Ongoing.
- Geographic Expansion within Nebraska: While currently focused on Grand Island and surrounding areas, Central Plains Bancshares can explore expanding its branch network to other underserved communities within Nebraska. This would allow the bank to reach new customers and diversify its geographic risk. A phased approach, starting with nearby towns, would be prudent. Timeline: 2-3 years.
- Development of Financial Literacy Programs: Implementing financial literacy programs for local schools and community organizations can enhance the bank's reputation and attract new customers. By educating individuals on personal finance and banking services, Central Plains Bancshares can build long-term relationships and foster financial inclusion. Timeline: Ongoing.
What Opportunities Does CPBI Have?
- Expansion of electronic banking services.
- Increased lending to the agricultural sector.
- Strategic partnerships with local businesses.
- Geographic expansion within Nebraska.
What Threats Does CPBI Face?
- Competition from larger national banks.
- Economic downturn in Nebraska.
- Changes in banking regulations.
- Rising interest rates.
What Are CPBI's Competitive Advantages?
- Strong local presence and community relationships in Nebraska.
- Personalized customer service tailored to local needs.
- Expertise in agricultural lending, a key sector in Nebraska.
- Established branch network providing convenient access to banking services.
What Does CPBI Do?
Central Plains Bancshares, Inc., established in 2023 and headquartered in Grand Island, Nebraska, operates as a community-focused bank providing a comprehensive suite of financial products and services. The bank primarily serves retail, small, and medium-sized commercial customers within Nebraska. Its core offerings include a variety of deposit accounts such as checking, savings, and certificates of deposit, tailored to meet the diverse needs of its customer base. In addition to deposit services, Central Plains Bancshares extends a range of loan products, including one- to four-family residential mortgages, commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. These lending services support both individual and business financial goals within the region. Furthermore, the company provides modern electronic banking services, encompassing mobile banking, online banking, bill pay, and electronic funds transfer, enhancing customer convenience and accessibility. Central Plains Bancshares aims to foster long-term relationships by delivering personalized financial solutions and contributing to the economic vitality of the communities it serves. The company's relatively recent incorporation reflects its strategic focus on adapting to the evolving financial landscape while maintaining a commitment to traditional banking values.
What Products and Services Does CPBI Offer?
- Provides checking accounts to individuals and businesses.
- Offers savings accounts and certificates of deposit.
- Originates one- to four-family residential mortgage loans.
- Provides commercial real estate loans.
- Offers commercial and industrial loans to businesses.
- Provides multi-family residential real estate loans.
- Offers construction and land development loans.
- Provides agricultural real estate and non-real estate loans.
- Provides consumer loans.
- Offers electronic banking services, including mobile and online banking.
How Does CPBI Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Focuses on serving retail and commercial customers in Nebraska.
What Industry Does CPBI Operate In?
Central Plains Bancshares, Inc. operates within the community banking sector, which is characterized by serving local markets with personalized financial services. The industry is facing increasing competition from larger national banks and fintech companies that offer digital banking solutions. Community banks like Central Plains Bancshares differentiate themselves through customer relationships and local expertise. The market is influenced by interest rate fluctuations, regulatory changes, and economic conditions within their operating regions. The industry is also seeing a trend towards consolidation as banks seek to achieve economies of scale and expand their service offerings.
Who Are CPBI's Key Customers?
- Retail customers seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Medium-sized commercial customers needing more complex financial solutions.
- Agricultural businesses seeking financing for operations and expansion.
F-Score 6/9Financial Health
Central Plains Bancshares, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.32 places it in the distress zone, a signal of elevated financial risk.
ROE 5%Key Financial Metrics
Return on equity for Central Plains Bancshares, Inc. stands at 4.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. CPBI trades at a trailing price-to-earnings ratio of 17.23, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 5.2%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 5.4%, the inverse of the P/E and a quick read on earnings relative to price.
Central Plains Bancshares, Inc. (CPBI) Valuation Context
Valued at $80.52M, CPBI is classified as a micro-cap stock. Relative to its peer group, CPBI's quantitative score of 68/100 is roughly in line with the peer average of 67/100.
CPBI Revenue & Earnings Trend
In Q4 2025, CPBI generated $7.9M in top-line revenue, marking a sequential increase of 5.5%. The company recorded net income of $1.2M, with diluted EPS of $0.31. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, CPBI averaged $0.26 in diluted EPS.
Company Profile
Central Plains Bancshares, Inc. operates in the Shell Companies industry within the Financial Services sector. It is headquartered in Grand Island, US. The company is led by CEO Dannel R. Garness. CPBI has traded publicly since 2023.
CPBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence in Nebraska.
- Diverse range of banking products and services.
- Focus on serving retail and commercial customers.
- Experienced management team.
Bear Case
- Limited geographic diversification.
- Small market capitalization.
- Reliance on traditional banking model.
- Limited brand recognition outside of Nebraska.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $8M | $1M | $0.31 |
| Q3 2025 | $7M | $882,000 | $0.23 |
| Q2 2025 | $7M | $988,000 | $0.26 |
| Q1 2025 | $7M | $848,000 | $0.22 |
Based on FMP financials and quantitative analysis
CPBI Latest News
No recent news available for CPBI.
CPBI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CPBI.
Price Targets
Wall Street price target analysis for CPBI.
CPBI MoonshotScore
What does this score mean?
The MoonshotScore rates CPBI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Classification
Industry Shell CompaniesLeadership: Dannel R. Garness
Unknown
Dannel R. Garness serves as a key leader at Central Plains Bancshares, Inc., overseeing the company's operations and strategic direction. Information regarding Mr. Garness's comprehensive career history, educational background, and previous roles is not available. As a managing employee of 71 individuals, his leadership is pivotal in guiding the company's growth and maintaining its commitment to providing financial services to the Nebraska community.
Track Record: Due to limited information available, Dannel R. Garness's specific achievements, strategic decisions, and company milestones under his leadership cannot be detailed. His role involves overseeing the provision of banking products and services to retail, small, and medium-sized commercial customers in Nebraska.
CPBI Financial Services Stock FAQ
What does Central Plains Bancshares, Inc. Common Stock do?
Central Plains Bancshares, Inc. operates as a community bank, providing a range of financial products and services to retail, small, and medium-sized commercial customers in Nebraska. Its core business involves accepting deposits and extending loans. The company offers various deposit accounts, including checking, savings, and certificates of deposit, alongside a diverse loan portfolio encompassing residential mortgages, commercial real estate loans, and agricultural loans. Additionally, Central Plains Bancshares provides electronic banking services, such as mobile and online banking, to enhance customer convenience and accessibility. The company focuses on building long-term relationships with its customers and supporting the economic vitality of the communities it serves.
What do analysts say about CPBI stock?
As of 2026-05-09, there is limited analyst coverage available for Central Plains Bancshares, Inc. Common Stock (CPBI) due to its small market capitalization and regional focus. Key valuation metrics include a P/E ratio of 17.2, reflecting its current earnings relative to its stock price. Growth considerations center around the company's ability to expand its loan portfolio, increase its deposit base, and enhance its electronic banking services. Investors may want to evaluate the company's concentrated geographic footprint and competition from larger banks when evaluating its growth potential. Further research into the company's financial statements and industry trends is recommended for a comprehensive analysis.
What are the main risks for CPBI?
Central Plains Bancshares, Inc. faces several risks inherent to the banking industry and its specific operating environment. A primary risk is its concentrated geographic footprint in Nebraska, making it vulnerable to regional economic downturns and agricultural market volatility. Competition from larger national banks with greater resources and broader service offerings poses another significant challenge. Changes in banking regulations, such as increased capital requirements or compliance costs, could negatively impact profitability. Additionally, rising interest rates could compress net interest margins and reduce loan demand. Effective risk management and strategic adaptation are crucial for CPBI to mitigate these potential threats.
How sensitive is CPBI to interest rate changes?
As a financial institution, Central Plains Bancshares, Inc. is inherently sensitive to interest rate fluctuations. Its profitability, measured by net interest margin (NIM), is directly affected by the difference between the interest it earns on loans and the interest it pays on deposits. Rising interest rates can initially boost NIM as loan yields increase, but they can also increase funding costs and potentially dampen loan demand if rates become too high for borrowers. Conversely, falling interest rates can compress NIM as loan yields decline. CPBI's ability to manage its asset-liability mix and adjust its pricing strategies is crucial for mitigating the impact of interest rate volatility on its financial performance. Further analysis of CPBI's interest rate sensitivity reports would provide a more detailed understanding of its specific exposure.
What is Central Plains Bancshares, Inc. Common Stock's credit quality and risk management approach?
Central Plains Bancshares, Inc.'s credit quality and risk management approach are critical components of its financial stability and long-term sustainability. The company's loan portfolio quality, provision levels, and risk management frameworks are key indicators of its ability to manage credit risk effectively. A diversified loan portfolio, with appropriate risk weightings across different loan types (e.g., residential mortgages, commercial real estate loans, agricultural loans), helps to mitigate concentration risk. Provision levels, which represent the bank's reserves for potential loan losses, should be adequate to cover anticipated losses based on historical performance and current economic conditions. Robust risk management frameworks, including credit scoring models, loan approval processes, and ongoing monitoring of loan performance, are essential for maintaining credit quality and minimizing losses. Detailed analysis of CPBI's loan portfolio composition, provision levels, and risk management policies would provide a more comprehensive assessment of its credit risk profile.
What are the key factors to evaluate for CPBI?
Central Plains Bancshares, Inc. (CPBI) holds an AI score of 68/100 (moderate). P/E: 17.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CPBI data refresh on this page?
CPBI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CPBI's recent stock price performance?
Central Plains Bancshares, Inc. (CPBI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Nebraska. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-09.
- Analyst consensus and ratings may be limited due to the company's size and coverage.
- Forward-looking statements are subject to risks and uncertainties.