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Central Plains Bancshares, Inc. (CPBI) stock

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NASDAQ: CPBI Nasdaq Regional Banks

Central Plains Bancshares, Inc. is a US-listed company in the regional banks industry. Its financial year ends in March.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$15

Valuation models combined (5)

Base case. Range ~$10–$23. Weighted average of 5 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, price-to-earnings vs peers), the residual income counting double.

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Central Plains Bancshares, Inc. valuation: adjust assumptions and compare models →

The Fundamentalytics view

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Price chart

  • 1 day+0.6%
  • 1 week+1.1%
  • 1 month+3.4%
  • This year+22.6%
  • 1 year+29.2%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

EPS (TTM, diluted)
$1.18

Growth

Share count change
+0.1%

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Leadership
  2. Announcement
  3. Shareholder vote
  4. Announcement
  5. Leadership
  6. Leadership

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Central Plains Bancshares, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Central Plains Bancshares, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.8%: the 10-year Treasury yield (4.9%) plus a beta of 0.63 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$14 ~$8.3–$24 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$10 ~$8.5–$13 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$23 ~$11–$35 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$17 ~$23–$34 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$10 ~$12–$16 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$15 ~$10–$23 5 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Central Plains Bancshares, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

No analyst estimates are published for Central Plains Bancshares, Inc.: too few analysts cover it.

Positioning

Short interest
0.1%
of tradable shares
Days to cover
0.96
at average volume
Short interest, 1 month
+7%
to October 15, 2026
Held by institutions
33%
of shares
Held by insiders
19.2%
of shares
Employees
68
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Return and risk by year

Calendar year 202420252026 to date
Return
CPBI+47%+13%+23%
Industry peers (median)+16%+10%+24%
S&P 500+25%+18%+11%
Months that ended higher
CPBI75%50%82%
S&P 50075%75%46%
Largest fall from a high during the year
CPBI−8%−7%−9%
S&P 500−8%−19%−9%

Worst fall since October 20, 2023: 9% from September 17, 2026 to October 14, 2026. Getting back needed a 10% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$15.56 – $21.46
From 52-week high
−3.3%
vs 50-day average
+0.9%
vs 200-day average
+9.7%
Volatility (1 year)
18%
Beta vs S&P 500
0.17

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Fundamentals

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2026, from the 10-K

What Central Plains Bancshares earned on its loans and securities in FY2026, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $27.7M
  2. Fee and other income $2.7M · 12.5%
  3. Interest paid $9M
  4. Net interest income $18.7M · 87.5%
  5. Revenue $21.3M
  6. Non-interest expense $16M · 75.2%
  7. Credit-loss provisions $306,000 · 1.4%
  8. Pre-tax profit $5M · 23.4%
  9. Income tax $991,000 · 4.6%
  10. Net income $4M · 18.7%

Shares of revenue. Source: Central Plains Bancshares's 10-K for FY2026, as filed with the SEC.

Dividends, buybacks and capital spending

FY2027 Q1 TTM
Buybacks (TTM)
$715,000
Returned to shareholders
11%
of free cash flow
Diluted share count
+0.1%
year over year

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Recent SEC filings

Data status

When each part of this page on Central Plains Bancshares, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Central Plains Bancshares, Inc. in brief

What does Central Plains Bancshares, Inc. do?
Central Plains Bancshares, Inc. is a US-listed company in the regional banks industry. Its financial year ends in March.
What is Central Plains Bancshares, Inc.'s stock ticker?
Central Plains Bancshares, Inc. trades under the ticker CPBI on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
Is Central Plains Bancshares, Inc. buying back stock, and does it pay a dividend?
Central Plains Bancshares, Inc. spent $715,000 on share repurchases over the trailing twelve months, and its diluted share count still rose 0.1% over the year.