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Data-driven stock valuation

Central Plains Bancshares, Inc. (CPBI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Central Plains Bancshares, Inc. stock $15.72, price $20.80, that is 24.4% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CP Central Plains Bancshares, Inc. logo Some data Nov 6, 2026

Central Plains Bancshares, Inc.

CPBI · US
Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Healthy Growth (revenue 3y +18.1 %/yr in USD)
Highly profitable · 20.8% net margin (TTM)
Profit last quarter +50% vs. a year ago.
Quality 51/100
Moderate moat 56/100 · thin data
Some data
Fair value $15.72 · Overvalued
Trails peers (2/12)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.46 $9.00 Fair Value $15.72 Oct 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

37‑month range $9.00 – $21.46 · fair‑value band $15.72 – $22.78 · the $20.80 price screens above the $15.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Central Plains Bancshares, Inc. operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that operates as a federally chartered stock savings and loan association in Nebraska, the United States.

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It offers checking and savings accounts and certificates of deposit.

The company also provides one- to four-family residential mortgage loans secured by properties, commercial non-real estate loans, multi-family residential real estate loans, construction and land development loans, and agricultural real estate and non-real estate loans, as well as consumer loans, such as dental implant loans, automobile loans, energy loans, student loans, recreation vehicle loans, boat loans, and unsecured preferred lines of credit.

In addition, it offers automated teller machines and electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was founded in 1935 and is based in Grand Island, Nebraska.

Stock analysis

Central Plains Bancshares, Inc. (CPBI) currently trades at $20.80, while our model-based Fair Value estimate is $15.72, 24% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $22.63 per share, and 1 of the 4 models we run sit above the $20.80 price.

Bear case: the Asset-Based group reads lowest at $15.26, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $15.72 (bear) to $22.78 (bull), the price of $20.80 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Central Plains Bancshares, Inc. Common Stock reported revenue of $30.3M in FY2026 versus $15.7M in FY2022, a compound +17.9%/yr. Reported net income was $4.0M in FY2026, compounding +6.2%/yr from FY2022.

Key figures

Market cap $79.5M Micro · P/E ratio 17.6 · P/S ratio 3.66 · EPS (TTM) $1.18 · Net margin 20.8% · Return on equity 5.2% · Return on assets (EBIT) 0.8% (5-year average) · Operating margin 32.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, CPBI screens cheaper than that median.

Fair Value models

Bear $15.72 Fair Value $15.72 Bull $22.78
Price $20.80 · Downside -24.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.7209 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $16.13 $15.72 $16.14 68
P/E Multiple $10.03 $13.37 $16.72 63
P/B Multiple $23.92 $31.89 $39.87 55
All 4 models by family
Multiples
P/E Multiple $10.03 $13.37 $16.72 63
P/B Multiple $23.92 $31.89 $39.87 55
Asset-Based
NCAV (Graham) $11.39 $15.26 $22.78 51
Economic Profit
Residual Income $16.13 $15.72 $16.14 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 51/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 23
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 81
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 51
Does it invest with discipline instead of growing at any price?
Low Volatility 97
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 77
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+11.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.1%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 17%

CPBI screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

Compare Central Plains Bancshares, Inc. Common Stock with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −24.4% · Below median
Profitability
Return on equity (12 months) 5.2% · Bottom 25%
Return on assets 0.7% · Below median
Net margin (12 months) 20.8% · Bottom 25%
Operating margin (12 months) 32.8% · Below median
Growth and dividend
Revenue growth (quarter YoY) 13.1% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 17.6× · Priciest 25%
P/B 0.89× · Cheaper than median
P/S (12 months) 3.66× · Pricier than median
Price / free cash flow (fiscal year) 13.7× · Pricier than median
EV/EBITDA 12.1× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 8
FUTURE (revenue growth)66 · sector 47
PAST (return on equity)21 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CPBI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CPBI
BNP Paribas SA BNP €91.93 €106.01 +15% vs CPBI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CPBI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CPBI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CPBI
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CPBI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CPBI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CPBI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CPBI

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Central Plains Bancshares, Inc. Common Stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Central Plains Bancshares, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/CPBI

Frequently asked questions

Is Central Plains Bancshares, Inc. (CPBI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $15.72 versus a price of $20.80, about 24% lower (overvalued).
What is the fair value of CPBI?
Our model-based fair value for Central Plains Bancshares, Inc. is $15.72 (as of Nov 6, 2026), built from audited fundamentals. The current price: $20.80.
What is the quality score of CPBI?
Central Plains Bancshares, Inc. has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Central Plains Bancshares, Inc. (CPBI)?
Our model-based price target is the fair value of $15.72 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario $15.72, optimistic scenario $22.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Central Plains Bancshares, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $15.72, about 24% lower versus a price of $20.80 (overvalued). Cautious scenario $15.72, optimistic scenario $22.78. The calculation is refreshed regularly with new filings.
What is the revenue of Central Plains Bancshares, Inc. (CPBI)?
Central Plains Bancshares, Inc. reported trailing-twelve-month revenue of about $21.7M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Central Plains Bancshares, Inc. (CPBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Central Plains Bancshares, Inc. it is $15.72 per share (as of Nov 6, 2026), against a price of $20.80. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Central Plains Bancshares, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CPBI trades above its calculated fair value: price $20.80, fair value $15.72, a gap of about −24% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CPBI?
No. The price is what the market pays today ($20.80); the fair value is what the company's own numbers justify ($15.72). For Central Plains Bancshares, Inc. the two are $5.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Central Plains Bancshares, Inc. Common Stock worth?
The market values Central Plains Bancshares, Inc. at about $79.5M (market capitalisation, as of Nov 6, 2026). Per share that is $20.80; our models calculate a fair value of $15.72 per share.
What do the bullish and bearish scenarios say about CPBI?
Our models span a range for Central Plains Bancshares, Inc.: cautious scenario $15.72, base $15.72, optimistic $22.78 per share (as of Nov 6, 2026, price $20.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CPBI?
Central Plains Bancshares, Inc. trades at a price-to-earnings ratio of 17.6 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.72 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.7, EV/EBITDA 12.1.
How solid is the balance sheet of Central Plains Bancshares, Inc. (CPBI)?
Balance-sheet figures for Central Plains Bancshares, Inc. (as of Nov 6, 2026): return on equity 5.2%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is CPBI from its 52-week high?
Central Plains Bancshares, Inc. trades at $20.80, about 3% below its 52-week high of $21.46 and 34% above the low of $15.56 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.72 is for.
Which stocks are comparable to Central Plains Bancshares, Inc. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Central Plains Bancshares, Inc. Common Stock stock attractive at the current price?
The data as of Nov 6, 2026: price $20.80, calculated fair value $15.72 (−24%), Quality Score 51/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CPBI calculated?
We run Central Plains Bancshares, Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.72 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Central Plains Bancshares, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Central Plains Bancshares, Inc. (CPBI)?
The closing price on Nov 6, 2026 was $20.80. Our model-based fair value is $15.72, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Central Plains Bancshares, Inc. Common Stock right now?
Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Central Plains Bancshares, Inc.

How large is the market capitalisation of Central Plains Bancshares, Inc. (CPBI)?
The market capitalisation of Central Plains Bancshares, Inc. is $79.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Central Plains Bancshares, Inc. (CPBI)?
The price-to-sales ratio of Central Plains Bancshares, Inc. is 3.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Central Plains Bancshares, Inc. (CPBI)?
Earnings per share at Central Plains Bancshares, Inc. are $1.18 (price ÷ EPS = P/E 17.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Central Plains Bancshares, Inc. (CPBI)?
The net margin of Central Plains Bancshares, Inc. is 20.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Central Plains Bancshares, Inc. (CPBI)?
The return on equity (ROE) of Central Plains Bancshares, Inc. is 5.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Central Plains Bancshares, Inc. (CPBI)?
On an EBIT basis the return on assets of Central Plains Bancshares, Inc. is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Central Plains Bancshares, Inc. (CPBI)?
The operating margin of Central Plains Bancshares, Inc. is 32.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Central Plains Bancshares, Inc. (CPBI)?
Revenue at Central Plains Bancshares, Inc. is growing +13.1% versus a year earlier (3y avg +18.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Central Plains Bancshares, Inc. (CPBI)?
Earnings per share at Central Plains Bancshares, Inc. are growing +50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Central Plains Bancshares, Inc. (CPBI) generate?
The free cash flow of Central Plains Bancshares, Inc. is $5.8M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Central Plains Bancshares, Inc. (CPBI) hold?
Central Plains Bancshares, Inc. holds more cash than debt, $7.3M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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