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CPBI

Central Plains Bancshares, Inc. Common Stock

CPBI

Central Plains Bancshares, Inc. Common Stock • NASDAQ
$16.05 ▲ 0.19% (+0.03)
Market Cap $67.72 M
52w High $16.70
52w Low $13.00
Dividend Yield 0%
P/E 16.72
Volume 10
Outstanding Shares 4.22M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $5.175M ▲ $3.938M ▲ $882K ▼ 17.043% ▼ $0.23 ▼ $283K ▲
Q1-2025 $5.148M ▲ $3.804M ▲ $988K ▲ 19.192% ▲ $0.26 ▲ $0
Q4-2024 $4.907M ▲ $3.73M ▼ $848K ▼ 17.281% ▼ $0.22 ▼ $0 ▼
Q3-2024 $4.722M ▲ $4.722M ▲ $951K ▼ 20.14% ▼ $0.25 $1.191M ▲
Q2-2024 $4.678M $3.402M $952K 20.351% $0.25 $0

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $8.889M ▼ $510.003M ▲ $423.823M ▲ $86.18M ▲
Q1-2025 $69.017M ▼ $500.877M ▼ $416.231M ▼ $84.646M ▲
Q4-2024 $80.805M ▲ $508.702M ▲ $425.37M ▲ $83.332M ▲
Q3-2024 $63.246M ▲ $484.294M ▲ $403.028M ▲ $81.266M ▼
Q2-2024 $9.879M $482.027M $400.4M $81.627M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $882K ▼ $1.13M ▲ $-7.268M ▲ $7.107M ▲ $969K ▲ $888K ▲
Q1-2025 $988K ▲ $-96K ▼ $-12.975M ▼ $-7.691M ▼ $-20.762M ▼ $-765K ▼
Q4-2024 $848K ▼ $2.081M ▲ $-1.945M ▲ $21.908M ▲ $22.044M ▲ $-647K ▲
Q3-2024 $951K ▼ $674K ▼ $-6.911M ▲ $2.996M ▼ $-3.241M ▼ $-1.48M ▼
Q2-2024 $952K $1.199M $-9.444M $12.612M $4.367M $-975K

Five-Year Company Overview

Income Statement

Income Statement Over the last several years, the company’s income statement looks very small and fairly flat. Revenue has not really grown, and profitability appears to hover around break-even, with only modest signs of improvement in underlying margins. This suggests a business still in an early or transitional phase rather than a scaled, high-earning bank. The lack of clear, consistent profits means earnings quality and stability remain key areas to watch.

Balance Sheet

Balance Sheet The balance sheet looks conservative and gradually stronger. Total assets have been edging up year by year, and equity has also built up, which points to a slow but steady strengthening of the capital base. There is essentially no financial debt, which reduces balance sheet risk but also signals the bank is not using much leverage for growth. Cash levels are modest but have improved, so liquidity appears adequate, though not abundant.

Cash Flow

Cash Flow Cash generation has been close to neutral, with operating cash flow hovering around break-even and free cash flow not showing a big surplus. Capital spending has been small, which fits a relatively simple banking model with limited physical expansion so far. This pattern implies the bank is largely self-funding but does not yet have a large cash cushion from operations to fuel aggressive growth. Future trends in cash flow, especially after deploying IPO proceeds, will matter more than the recent history.

Competitive Edge

Competitive Edge The bank’s edge is its deep roots in its local Nebraska markets, where it has operated for many decades and holds a leading share of deposits in its core county. It competes less on cutting-edge technology and more on relationships, local knowledge, and in-person service, particularly for consumers, small businesses, and agricultural clients. This community focus is hard for large national banks to fully replicate, but it also means CPBI is geographically concentrated and exposed to the health of its local economy. Competition from bigger regional and digital-only banks remains an ongoing pressure, especially on pricing and technology expectations.

Innovation and R&D

Innovation and R&D Innovation at CPBI is practical rather than flashy. The bank uses standard online and mobile banking tools, mobile deposits, bill pay, and Zelle to meet everyday customer needs, wrapped in a strong emphasis on security. It does not appear to build proprietary technology or invest heavily in formal research and development; instead, it adopts widely available solutions and integrates them into a high-touch, community model. The key risk is falling behind if digital expectations accelerate, while the opportunity lies in selectively upgrading digital offerings and partnerships (like investment services and specialized lending programs) without losing the personal feel.

Summary

CPBI is essentially a traditional community bank that has recently come to public markets, with small, steady operations, conservative finances, and limited but improving profitability. The story is less about rapid growth today and more about how effectively the bank can use its long-standing local franchise, clean balance sheet, and new capital to expand in a disciplined way. Its strengths are community trust, relationship-based lending, and a simple, low-debt structure; its main challenges are scale, geographic concentration, and keeping pace with digital banking trends. Future performance will likely hinge on credit quality, interest rate conditions, local economic health, and management’s execution on measured expansion and technology upgrades.