📊 CPBI Key Takeaways
Is Central Plains Bancshares, Inc. (CPBI) a Good Investment?
Central Plains Bancshares exhibited explosive 937% YoY revenue growth, but this failed to translate to earnings growth with net income remaining flat, signaling serious operational challenges. The interest coverage ratio of 0.6x is a critical red flag indicating the company struggles to cover interest obligations from operating income. Weak ROE (4.5%) and ROA (0.7%) further demonstrate inefficient capital deployment despite balance sheet strength.
Central Plains Bancshares shows adequate core financial stability, with positive net income, positive free cash flow, and a solid equity base relative to assets. However, the quality of growth looks weak: revenue surged sharply while net income was flat, EPS fell materially, and profitability ratios such as ROE and ROA remain modest for a banking institution. The fundamentals suggest a stable but not especially compelling operating profile unless returns improve meaningfully.
Central Plains Bancshares, Inc. Key Strengths (CPBI)
- Strong balance sheet structure with zero long-term debt and low leverage (0.00x debt-to-equity)
- Substantial asset base of $558.6M reflecting significant business expansion
- Positive free cash flow of $5.8M with healthy 21% FCF margin demonstrates cash generation capability
- Positive net income and operating income indicate the business is currently profitable
- Balance sheet capitalization appears reasonable, with $87.76M of equity supporting $535.74M of assets
- Operating cash flow and free cash flow are positive, indicating underlying cash generation
CPBI Stock Risks: Central Plains Bancshares, Inc. Investment Risks
- Critical interest coverage of 0.6x indicates severe difficulty servicing interest obligations and potential solvency stress
- Revenue surged 937% YoY while net income remained flat, revealing profit margin compression or significant one-time integration costs
- Weak profitability metrics (ROE 4.5%, ROA 0.7%) indicate poor capital efficiency relative to asset base
- Revenue growth appears low quality because earnings did not scale with revenue and diluted EPS declined sharply
- Low ROE of 3.5% and ROA of 0.6% indicate weak capital efficiency and modest asset profitability
- Interest coverage of 0.6x suggests limited earnings cushion relative to interest burden or potentially strained net interest dynamics
Key Metrics to Watch
- Interest coverage ratio trend - sustained ratios below 1.0x signal escalating financial distress
- Net income growth rate versus revenue growth - must demonstrate earnings can scale with revenue expansion
- Cost-to-income ratio and loan loss provisions - to diagnose operational efficiency decline and credit quality deterioration
- ROE and ROA improvement
- Diluted EPS growth versus revenue growth
Central Plains Bancshares, Inc. (CPBI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 21.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CPBI Profit Margin, ROE & Profitability Analysis
CPBI vs Finance Sector: How Central Plains Bancshares, Inc. Compares
How Central Plains Bancshares, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Central Plains Bancshares, Inc. Stock Overvalued? CPBI Valuation Analysis 2026
Based on fundamental analysis, Central Plains Bancshares, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Central Plains Bancshares, Inc. Balance Sheet: CPBI Debt, Cash & Liquidity
CPBI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Central Plains Bancshares, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.96 reflects profitable operations.
CPBI Revenue Growth, EPS Growth & YoY Performance
Central Plains Bancshares, Inc. Dividends, Buybacks & Capital Allocation
CPBI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Central Plains Bancshares, Inc. (CIK: 0001979332)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CPBI
What is the AI rating for CPBI?
Central Plains Bancshares, Inc. (CPBI) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 71% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CPBI's key strengths?
Claude: Strong balance sheet structure with zero long-term debt and low leverage (0.00x debt-to-equity). Substantial asset base of $558.6M reflecting significant business expansion. ChatGPT: Positive net income and operating income indicate the business is currently profitable. Balance sheet capitalization appears reasonable, with $87.76M of equity supporting $535.74M of assets.
What are the risks of investing in CPBI?
Claude: Critical interest coverage of 0.6x indicates severe difficulty servicing interest obligations and potential solvency stress. Revenue surged 937% YoY while net income remained flat, revealing profit margin compression or significant one-time integration costs. ChatGPT: Revenue growth appears low quality because earnings did not scale with revenue and diluted EPS declined sharply. Low ROE of 3.5% and ROA of 0.6% indicate weak capital efficiency and modest asset profitability.
What is CPBI's revenue and growth?
Central Plains Bancshares, Inc. reported revenue of $27.7M.
Does CPBI pay dividends?
Central Plains Bancshares, Inc. does not currently pay dividends.
Where can I find CPBI SEC filings?
Official SEC filings for Central Plains Bancshares, Inc. (CIK: 0001979332) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CPBI's EPS?
Central Plains Bancshares, Inc. has a diluted EPS of $1.05.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CPBI's fundamental grade?
Based on our AI fundamental analysis in August 2026, Central Plains Bancshares, Inc. has a C grade with 71% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CPBI stock overvalued or undervalued?
Valuation metrics for CPBI: ROE of 4.5% (sector avg: 12%), net margin of 14.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CPBI's AI grade for 2026?
Our dual AI analysis gives Central Plains Bancshares, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CPBI's free cash flow?
Central Plains Bancshares, Inc.'s operating cash flow is $6.7M, with capital expenditures of $878.0K. FCF margin is 21.0%.
How does CPBI compare to other Finance stocks?
Vs Finance sector averages: Net margin 14.5% (avg: 25%), ROE 4.5% (avg: 12%), current ratio N/A (avg: 1.2).