Central Plains Bancshares (CPBI) & The Competition Critical Review

Earnings and Valuation

This table compares Central Plains Bancshares and its peers revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Central Plains Bancshares	$27.31 million	$3.65 million	15.50
Central Plains Bancshares Competitors	$1.06 billion	$174.52 million	12.69

Central Plains Bancshares’ peers have higher revenue and earnings than Central Plains Bancshares. Central Plains Bancshares is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares Central Plains Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	13.38%	4.49%	0.75%
Central Plains Bancshares Competitors	16.48%	10.31%	1.07%

Volatility and Risk

Central Plains Bancshares has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500. Comparatively, Central Plains Bancshares’ peers have a beta of 0.62, indicating that their average stock price is 38% less volatile than the S&P 500.

Institutional and Insider Ownership

24.3% of Central Plains Bancshares shares are held by institutional investors. Comparatively, 59.2% of shares of all “BANKS – MIDWEST” companies are held by institutional investors. 5.4% of Central Plains Bancshares shares are held by company insiders. Comparatively, 5.7% of shares of all “BANKS – MIDWEST” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Central Plains Bancshares peers beat Central Plains Bancshares on 8 of the 9 factors compared.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.