Head-To-Head Review: Central Plains Bancshares (NASDAQ:CPBI) versus FirstSun Capital Bancorp (NASDAQ:FSUN)

Central Plains Bancshares (NASDAQ:CPBI) and FirstSun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, profitability, valuation, risk, institutional ownership and earnings.

Profitability

This table compares Central Plains Bancshares and FirstSun Capital Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	12.78%	4.42%	0.74%
FirstSun Capital Bancorp	15.94%	9.00%	1.17%

Risk & Volatility

Central Plains Bancshares has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500. Comparatively, FirstSun Capital Bancorp has a beta of 0.96, suggesting that its stock price is 4% less volatile than the S&P 500.

Insider and Institutional Ownership

24.3% of Central Plains Bancshares shares are held by institutional investors. 8.6% of Central Plains Bancshares shares are held by company insiders. Comparatively, 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Central Plains Bancshares and FirstSun Capital Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Central Plains Bancshares	$19.41 million	3.48	$3.65 million	$0.97	16.52
FirstSun Capital Bancorp	$549.33 million	1.65	$75.63 million	$3.16	10.29

FirstSun Capital Bancorp has higher revenue and earnings than Central Plains Bancshares. FirstSun Capital Bancorp is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Central Plains Bancshares and FirstSun Capital Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Central Plains Bancshares	0	1	0	0	2.00
FirstSun Capital Bancorp	0	1	4	0	2.80

FirstSun Capital Bancorp has a consensus price target of $42.50, indicating a potential upside of 30.69%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe FirstSun Capital Bancorp is more favorable than Central Plains Bancshares.

Summary

FirstSun Capital Bancorp beats Central Plains Bancshares on 11 of the 14 factors compared between the two stocks.

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.

About FirstSun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.