📊 CPBI Key Takeaways
Investment Thesis
Central Plains Bancshares exhibits concerning operational efficiency despite strong revenue growth, with an interest coverage ratio of 0.6x indicating potential debt servicing challenges. The dramatic 56.2% YoY decline in diluted EPS despite flat net income growth suggests significant share dilution or structural profitability deterioration that overshadows the 846.5% revenue increase.
CPBI Strengths
- Strong revenue growth of 846.5% YoY indicates substantial business expansion
- Positive free cash flow generation of $2.3M demonstrates some cash conversion capability
- Zero long-term debt provides balance sheet flexibility and reduces financial risk
- Operating margin of 18.6% shows reasonable operational efficiency in core banking activities
CPBI Risks
- Interest coverage ratio of 0.6x is critically low and suggests insufficient earnings to service debt obligations
- EPS decline of 56.2% despite flat net income indicates severe shareholder dilution from new share issuance
- Very low ROE of 3.5% and ROA of 0.6% demonstrate poor capital efficiency relative to industry standards
- Massive revenue growth of 846.5% appears unsustainable and likely reflects non-recurring items or significant acquisition activity
- Total liabilities of $448M against stockholders equity of $87.8M represents high financial leverage at 5.1x
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 2.0x for financial stability
- Earnings per share growth - monitor for continued dilution patterns
- Return on equity and return on assets - need improvement toward 10%+ and 1%+ respectively
- Debt-to-liabilities ratio sustainability as bank continues growth trajectory
- Composition of revenue growth - distinguish between organic growth and acquisition-driven expansion
CPBI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CPBI Profitability Ratios
CPBI vs Default Sector
How Central Plains Bancshares, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CPBI Balance Sheet & Liquidity
CPBI 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 $2.19 reflects profitable operations.
CPBI Growth Metrics (YoY)
CPBI Capital Allocation
CPBI SEC Filings
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 an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CPBI's key strengths?
Strong revenue growth of 846.5% YoY indicates substantial business expansion. Positive free cash flow generation of $2.3M demonstrates some cash conversion capability.
What are the risks of investing in CPBI?
Interest coverage ratio of 0.6x is critically low and suggests insufficient earnings to service debt obligations. EPS decline of 56.2% despite flat net income indicates severe shareholder dilution from new share issuance.
What is CPBI's revenue and growth?
Central Plains Bancshares, Inc. reported revenue of $20.5M.
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 $0.80.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.