Central Plains Bancshares (CPBI) Stock Price, News & Analysis

Company Overview

Central Plains Bancshares, Inc. (NASDAQ: CPBI) is a bank holding company headquartered in Beloit, Kansas, serving communities across north-central Kansas. Through its wholly owned subsidiary, Central Plains State Bank, the company offers a range of financial services tailored to the needs of rural and small‐town customers. Its primary focus is on providing personalized banking solutions that support agriculture, small businesses, and consumer clients in its core markets.

The company’s product offering includes traditional deposit accounts such as checking, savings, money market, certificate of deposit and individual retirement accounts. On the lending side, Central Plains State Bank specializes in commercial and agricultural loans, real estate financing and consumer loans, drawing on a deep understanding of the agricultural economy and local business environment. The bank also provides ancillary services such as cash management, online banking, mobile banking and merchant card processing to meet the evolving needs of its customer base.

Founded in 1885, Central Plains State Bank has grown organically and through strategic branch acquisitions to build a network of offices located in Beloit, Osborne, Russell, Great Bend and nearby communities. Over its history, the bank has maintained strong ties to its rural heritage, reinvesting in local economies and participating in community development initiatives. Despite industry consolidation, the company remains committed to its community‐banking roots, emphasizing long‐term relationships and decision‐making at the local level.

Under the leadership of President and Chief Executive Officer Lee T. Johnson and Chief Financial Officer Sarah L. Brown, Central Plains Bancshares emphasizes prudent risk management and customer service excellence. The executive team, together with an experienced board of directors drawn from the company’s market area, focuses on balancing growth with financial stability. Looking ahead, the company aims to leverage digital banking enhancements while preserving the personalized service that has defined its operations for more than a century.

Key Stats

• Today's Range: $14.86 to $14.86
• 50-Day Range: $14.59 to $15.20
• 52-Week Range: $10.23 to $15.50
• Volume: 543 shs
• Average Volume: 6,972 shs
• Market Capitalization: $63.55 million
• P/E Ratio: 15.52
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Central Plains Bancshares Stock Analysis - MarketRank™

Central Plains Bancshares scored higher than 22% of companies evaluated by MarketBeat, and ranked 898th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Central Plains Bancshares.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Central Plains Bancshares is 15.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Central Plains Bancshares is 15.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Central Plains Bancshares has a P/B Ratio of 0.77. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.53% of the float of Central Plains Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Central Plains Bancshares has a short interest ratio ("days to cover") of 4.

Change versus previous month

Short interest in Central Plains Bancshares has recently decreased by 4.71%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Central Plains Bancshares does not currently pay a dividend.

Dividend Growth

Central Plains Bancshares does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.53% of the float of Central Plains Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Central Plains Bancshares has a short interest ratio ("days to cover") of 4.

Change versus previous month

Short interest in Central Plains Bancshares has recently decreased by 4.71%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.93

News Sentiment

Central Plains Bancshares has a news sentiment score of 0.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Central Plains Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Central Plains Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 5.40% of the stock of Central Plains Bancshares is held by insiders.

Percentage Held by Institutions

Only 24.28% of the stock of Central Plains Bancshares is held by institutions.

CPBI Stock Analysis - Frequently Asked Questions

How have CPBI shares performed this year?

Central Plains Bancshares' stock was trading at $14.96 at the start of the year. Since then, CPBI stock has increased by 0.7% and is now trading at $15.0590.

How were Central Plains Bancshares' earnings last quarter?

Central Plains Bancshares, Inc. (NASDAQ:CPBI) issued its quarterly earnings results on Thursday, June, 26th. The company reported $0.23 EPS for the quarter. The firm had revenue of $5.05 million for the quarter. Central Plains Bancshares had a net margin of 13.38% and a trailing twelve-month return on equity of 4.49%.

When did Central Plains Bancshares IPO?

Central Plains Bancshares (CPBI) raised $41 million in an IPO on Friday, October 20th 2023. The company issued 4,130,815 shares at a price of $10.00 per share.

How do I buy shares of Central Plains Bancshares?

Shares of CPBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Central Plains Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Central Plains Bancshares investors own include BTC Digital (BTCT), Arch Capital Group (ACGL), Adobe (ADBE), Analog Devices (ADI), Alnylam Pharmaceuticals (ALNY), Amgen (AMGN) and AstraZeneca (AZN).

Company Calendar

• Last Earnings: 6/26/2025
• Today: 7/13/2025
• Fiscal Year End: 3/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CPBI
• Previous Symbol: NASDAQ:CPBI
• CIK: 1979332
• Web: www.homefederalne.bank
• Phone: 308-382-4000
• Fax: N/A
• Employees: 67
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.97
• Trailing P/E Ratio: 15.52
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.65 million
• Net Margins: 13.38%
• Pretax Margin: 16.56%
• Return on Equity: 4.49%
• Return on Assets: 0.75%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $27.31 million
• Price / Sales: 2.33
• Cash Flow: $1.00 per share
• Price / Cash Flow: 15.08
• Book Value: $19.64 per share
• Price / Book: 0.77

Miscellaneous

• Outstanding Shares: 4,220,000
• Free Float: 3,996,000
• Market Cap: $63.55 million
• Optionable: Not Optionable
• Beta: 0.15