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

As of Sep 23, 2026: fair value of Central Plains Bancshares, Inc. $11.24, price $20.15, upside -44.2%, quality 29 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US15486W1009

CP Central Plains Bancshares, Inc. logo Some data Sep 23, 2026

Central Plains Bancshares, Inc.

CPBI · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $11.24 · Strongly overvalued (−44%)
!Quality 29/100
!Expensive Growth (revenue 3y +20.3 %/yr)
✓Solidly profitable · 18.7% net margin (TTM)
!negative free cash flow
!Trails peers (2/11)
!Moderate moat 52/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 18 out of 100
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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 $11.24 Oct 2023 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

35‑month range $9.00 – $21.46 · fair‑value band $8.38 – $13.81 · the $20.15 price screens above the $11.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. It offers checking and savings accounts and certificates of deposit.

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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. 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. Common Stock (CPBI) currently trades at $20.15, while our model-based Fair Value estimate is $11.24, implying the stock looks roughly 79.3% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $13.28 per share, and 0 of the 4 models we run sit above the $20.15 price.

Bear case: the Multiples group reads lowest at $11.30, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $8.38 (bear) to $13.81 (bull), the price of $20.15 sits above 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 29/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Central Plains Bancshares, Inc. Common Stock reported revenue of $27.3M in FY2025 versus $15.7M in FY2022, a compound +20.3%/yr. Reported net income was $3.7M in FY2025, compounding +5.1%/yr from FY2022.

Key figures

Market cap $76.9M · P/E ratio 19.6 · P/S ratio 2.62 · EPS (TTM) $1.03 · Net margin 13.4% · Return on equity 4.6% · Return on assets (EBIT) 0.8% · Operating margin 27.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −44%, CPBI screens richer than that median.

Fair Value models

Bear $8.38 Fair Value $11.24 Bull $13.81
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.03 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $13.40 $12.84 $10.32 68
P/E Multiple $8.47 $11.30 $14.12 63
P/B Multiple $11.08 $14.77 $18.46 55
All 4 models by family
Multiples
P/E Multiple $8.47 $11.30 $14.12 63
P/B Multiple $11.08 $14.77 $18.46 55
Asset-Based
NCAV (Graham) $9.91 $13.28 $19.82 51
Economic Profit
Residual Income $13.40 $12.84 $10.32 68

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Quality Score breakdown

Overall quality 29/100

Of which business quality 27 · Market factors (momentum, volatility) 74

Profitability 23
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 27
Earnings quality: real cash, not paper profit
Fin. Strength 19
Balance sheet, leverage, solvency risk
Investment 22
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 60
Price trend over the last 3–12 months (market factor)
52W Momentum 69
Distance to the 52-week high (market factor)
Net Issuance 36
Share count: buybacks or dilution?

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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. 57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.7%
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.
+20.3%
What shareholders gained per year (last 3 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 3 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.
+15.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘ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 79% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 28 · Bottom 25%
Fair Value upside −44% · Bottom 25%
Profitability
Return on equity (TTM) 5% · Bottom 25%
Return on assets 1% · Below median
Net margin (TTM) 19% · Bottom 25%
Operating margin (TTM) 27% · Below median
Growth and dividend
Revenue growth 18% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 19.6× · Priciest 25%
P/B 0.92× · Cheaper than median
P/S (TTM) 3.70× · Pricier than median
EV/EBITDA 9.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)88 · sector 45
PAST (return on equity)18 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Central Plains Bancshares, Inc. Common Stock · Fair Value
$11.24 −79%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $11.24 versus a price of $20.15, about −44% upside (overvalued).
What is the fair value of CPBI?
Our model-based fair value for Central Plains Bancshares, Inc. Common Stock is $11.24 (as of Sep 23, 2026), built from audited fundamentals. The current price: $20.15.
What is the quality score of CPBI?
Central Plains Bancshares, Inc. Common Stock has a Quality Score of 29/100. 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 $11.24 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $8.38, optimistic scenario $13.81. 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 $11.24, about −44% upside versus a price of $20.15 (overvalued). Cautious scenario $8.38, optimistic scenario $13.81. The calculation is refreshed regularly with new filings.
What is the revenue of Central Plains Bancshares, Inc. (CPBI)?
Central Plains Bancshares, Inc. Common Stock reported trailing-twelve-month revenue of about $20.8M (latest available figure, as of Sep 23, 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. Common Stock it is $11.24 per share (as of Sep 23, 2026), against a price of $20.15. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Central Plains Bancshares, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CPBI trades above its calculated fair value: price $20.15, fair value $11.24, a gap of about −44% (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 ($20.15); the fair value is what the company's own numbers justify ($11.24). For Central Plains Bancshares, Inc. Common Stock the two are $8.91 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. Common Stock at about $76.9M (market capitalisation, as of Sep 23, 2026). Per share that is $20.15; our models calculate a fair value of $11.24 per share.
What do the bullish and bearish scenarios say about CPBI?
Our models span a range for Central Plains Bancshares, Inc. Common Stock: cautious scenario $8.38, base $11.24, optimistic $13.81 per share (as of Sep 23, 2026, price $20.15). 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. Common Stock trades at a price-to-earnings ratio of 19.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.24 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.7, EV/EBITDA 9.7.
How solid is the balance sheet of Central Plains Bancshares, Inc. (CPBI)?
Balance-sheet figures for Central Plains Bancshares, Inc. Common Stock (as of Sep 23, 2026): return on equity 4.6%. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is CPBI from its 52-week high?
Central Plains Bancshares, Inc. Common Stock trades at $20.15, about 6% below its 52-week high of $21.46 and 29% above the low of $15.56 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $11.24 is for.
Which stocks are comparable to Central Plains Bancshares, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $20.15, calculated fair value $11.24 (−44%), Quality Score 29/100, 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. Common Stock through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.24, 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 13.0 % above its aggregate fair value. Central Plains Bancshares, Inc. Common Stock 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 Sep 23, 2026 was $20.15. Our model-based fair value is $11.24, about −44% upside (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?
The price sits above even our optimistic bull case ($13.81). The favourable scenario is already priced in. Weak quality (29/100) and above fair value at the same time, the margin of safety is missing on both counts. 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. Common Stock

How large is the market capitalisation of Central Plains Bancshares, Inc. (CPBI)?
The market capitalisation of Central Plains Bancshares, Inc. Common Stock is $76.9M. 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. Common Stock is 2.62 (P/E × margin). 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. Common Stock are $1.03 (price ÷ EPS = P/E 19.6). 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. Common Stock is 13.4% (fiscal year 2025). 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. Common Stock is 4.6% (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. Common Stock is 0.8% (avg 4y). 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. Common Stock is 27.4% (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. Common Stock is growing +17.5% versus a year earlier (3y avg +20.3%). 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. Common Stock are growing +25.2% 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. Common Stock is −$3.1M (fiscal year 2025). 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. Common Stock holds more cash than debt, $28.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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