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Central Plains Bancshares, Inc (CPBI) Fair Value & Analysis

Financial Services · US · Market cap $78.4M

Price$18.81
Fair Value$11.30
Upside-39.9%
Quality91/100
Evidence: Medium Range $8.47 – $14.12

Fair value as of: Jun 26, 2026

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Analysis

Central Plains Bancshares, Inc (CPBI) currently trades at $18.81, while our model-based Fair Value estimate is $11.30 — implying the stock looks roughly 39.9% overvalued today. We read business quality at 91/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

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.

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Frequently asked questions

Is Central Plains Bancshares, Inc (CPBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $11.30 versus a price of $18.81 — about −40% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CPBI?
Our 21-model fair value for Central Plains Bancshares, Inc is $11.30 (as of Jun 26, 2026), built from audited fundamentals. The current price is $18.81.
What is the quality score of CPBI?
Central Plains Bancshares, Inc has a Quality Score of 91/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.