Central Plains Bancshares, Inc. Common Stock (CPBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Central Plains Bancshares, Inc. Common Stock stock (CPBI) is currently trading at $17.28. Central Plains Bancshares, Inc. Common Stock PE ratio is 16.61. Central Plains Bancshares, Inc. Common Stock PS ratio (Price-to-Sales) is 3.46. Analyst consensus price target for CPBI is $61.12. WallStSmart rates CPBI as Hold.
- CPBI PE ratio analysis and historical PE chart
- CPBI PS ratio (Price-to-Sales) history and trend
- CPBI intrinsic value — DCF, Graham Number, EPV models
- CPBI stock price prediction 2025 2026 2027 2028 2029 2030
- CPBI fair value vs current price
- CPBI insider transactions and insider buying
- Is CPBI undervalued or overvalued?
- Central Plains Bancshares, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- CPBI Piotroski F-Score and Altman Z-Score
- CPBI analyst price target and Smart Rating
Central Plains Bancshares, Inc.
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CPBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Central Plains Bancshares, Inc. Common Stock (CPBI)
CPBI trades at a significant discount to its Graham intrinsic value of $48.20, offering a 63% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Central Plains Bancshares, Inc. Common Stock (CPBI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Central Plains Bancshares, Inc. Common Stock (CPBI) Key Strengths (4)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $27 kept per $100 revenue
Strong earnings growth at 25.20% per year
Strong profitability: $19 kept per $100 revenue
Supporting Valuation Data
Central Plains Bancshares, Inc. Common Stock (CPBI) Areas to Watch (5)
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 3.46x sales
Solid revenue growth at 17.50% per year
Central Plains Bancshares, Inc. Common Stock (CPBI) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.5/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin, EPS Growth. Valuation metrics including Price/Book (0.82) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 27.40%, Profit Margin at 18.70%. Growth metrics are encouraging with EPS Growth at 25.20%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Institutional Own.. Some valuation metrics including Price/Sales (3.46) suggest expensive pricing. Growth concerns include Revenue Growth at 17.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.61%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.61% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Operating Margin) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CPBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CPBI's Price-to-Sales ratio of 3.46x trades at a 35% premium to its historical average of 2.57x (81th percentile). The current valuation is 4% below its historical high of 3.6x set in Mar 2026, and 97% above its historical low of 1.76x in May 2024. Over the past 12 months, the PS ratio has expanded from ~2.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Central Plains Bancshares, Inc. Common Stock (CPBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Central Plains Bancshares, Inc. Common Stock is a strong growth company balancing expansion with improving profitability. Revenue reached 21M with 18% growth year-over-year. Profit margins of 18.7% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 461.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Central Plains Bancshares, Inc. Common Stock.
Bottom Line
Central Plains Bancshares, Inc. Common Stock offers an attractive blend of growth (18% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Central Plains Bancshares, Inc. Common Stock(CPBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. The company is headquartered in Grand Island, Nebraska.