CPBI

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Central Plains Bancshares, Inc.

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Key Metrics

Previous Close: $20.92
52-Week Range: $15.40 – $21.84
Market Cap: $81.53M
P/E (TTM): 17.77
EPS (TTM): 1.18
Dividend Yield: —

Advanced Metrics

Price/Book: 0.91
PEG Ratio: —
Return on Equity: 5.15%
Return on Assets: 0.85%
Gross Margin: 0.00%
Operating Margin: 32.77%
Profit Margin: 20.75%
Current Ratio: —
Debt/Equity: —
Total Debt: $0.00
Free Cash Flow: —
Revenue Growth: 13.10%
Earnings Growth: 50.00%
Enterprise Value: $46.90M

CPBI Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Revenue	$0.00	$17.07M	$18.84M	$21.07M
Cost of Revenue	$5.61M	$6.95M	—	—
Gross Profit	-$5.61M	-$6.95M	—	—
Selling, General & Admin	$3.27M	$9.48M	$11.07M	$12.34M
Operating Expenses	$6.15M	$3.66M	—	—
Operating Income	-$11.75M	-$10.61M	—	—
EBITDA	$5.21M	$11.64M	—	—
Pretax Income	$1.96M	$4.64M	$4.52M	$4.99M
Income Tax	$317.00K	$877.00K	$869.00K	$991.00K
Net Income	$1.65M	$3.76M	$3.65M	$4.00M
Diluted EPS	0.40	2.19	0.96	—
Diluted Shares	4.13M	1.72M	3.82M	—

CPBI Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Cash & Equivalents	$16.56M	$11.45M	$28.68M	$29.93M
Receivables	$350.63M	$2.25M	$3.10M	$3.26M
Current Assets	$367.19M	$388.68M	—	—
Total Assets	$437.79M	$463.28M	$508.70M	$558.65M
Current Liabilities	$4.14M	$5.79M	—	—
Total Liabilities	$399.13M	$385.00M	$425.37M	$469.66M
Retained Earnings	$43.77M	$47.13M	$50.65M	$54.40M
Shareholders' Equity	$38.67M	$78.28M	$83.33M	$88.99M
Working Capital	$363.05M	$382.88M	—	—

CPBI Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Operating Cash Flow	$4.47M	$5.71M	$4.46M	$6.69M
Capital Expenditure	-$303.00K	-$2.28M	-$7.53M	-$878.00K
Free Cash Flow	$4.17M	$3.43M	-$3.07M	$5.81M
Depreciation & Amortisation	$503.00K	$518.00K	$455.00K	$965.00K
Stock-Based Compensation	$0.00	$161.00K	$360.00K	$970.00K
Investing Cash Flow	-$32.93M	-$31.16M	-$27.90M	-$48.98M
Financing Cash Flow	$26.04M	$20.34M	$40.67M	$43.54M
Share Repurchases	—	$0.00	-$413.00K	-$679.00K
Net Change in Cash	-$2.42M	-$5.11M	$17.23M	$1.25M

CPBI Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$4.99M	$5.08M	$5.19M	$5.49M	$5.31M
Selling, General & Admin	$2.99M	$3.04M	$3.05M	$3.07M	$3.18M
Pretax Income	$1.06M	$1.23M	$1.11M	$1.48M	$1.17M
Income Tax	$217.00K	$241.00K	$233.00K	$300.00K	$217.00K
Net Income	$848.00K	$988.00K	$882.00K	$1.18M	$955.00K
Diluted EPS	—	0.26	0.23	0.31	—
Diluted Shares	—	3.80M	3.81M	3.81M	—

CPBI Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$28.68M	$7.92M	$8.89M	$28.11M	$29.93M
Receivables	$3.10M	$3.10M	$3.81M	$3.32M	$3.26M
Total Assets	$508.70M	$500.88M	$510.00M	$535.74M	$558.65M
Total Debt	—	$8.47M	$8.50M	—	—
Total Liabilities	$425.37M	$416.23M	$423.82M	$447.98M	$469.66M
Retained Earnings	$50.65M	$51.55M	$52.41M	$53.51M	$54.40M
Shareholders' Equity	$83.33M	$84.65M	$86.18M	$87.76M	$88.99M
Net Debt	—	$546.00K	—	—	—

CPBI Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$2.08M	-$96.00K	$1.13M	$2.29M	$3.37M
Capital Expenditure	-$2.73M	-$670.00K	-$242.00K	-$60.00K	—
Free Cash Flow	-$647.00K	-$766.00K	$888.00K	$2.23M	$3.46M
Depreciation & Amortisation	$66.00K	$195.00K	$283.00K	$259.00K	$228.00K
Stock-Based Compensation	$216.00K	$234.00K	$242.00K	$247.00K	$247.00K
Investing Cash Flow	-$1.95M	-$12.97M	-$7.27M	-$6.69M	-$22.05M
Financing Cash Flow	$21.91M	-$7.69M	$7.11M	$23.62M	$20.50M
Share Repurchases	-$276.00K	-$260.00K	-$90.00K	-$194.00K	-$135.00K
Net Change in Cash	$22.04M	-$20.76M	$969.00K	$19.22M	$1.82M

Market Snapshot

About

Central Plains Bancshares, Inc. is a bank holding company headquartered in Broken Arrow, Oklahoma, operating through its subsidiary Central National Bank. The company provides traditional community banking services including commercial and consumer lending, deposit products, and treasury management services to individuals and businesses primarily in Oklahoma. Central Plains focuses on relationship banking with personalized service to customers in its market areas. The bank offers standard products such as checking and savings accounts, certificates of deposit, commercial real estate loans, and agricultural lending.