CENTRAL PLAINS BANCSHARES IN (CPBI) Fundamental Analysis & Valuation

NASDAQ:CPBI • US15486W1009

Current stock price

17.77 USD
+0.66 (+3.86%)
Last:

This CPBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CPBI Profitability Analysis

1.1 Basic Checks

  • In the past year CPBI was profitable.
  • In the past year CPBI had a positive cash flow from operations.
CPBI Yearly Net Income VS EBIT VS OCF VS FCFCPBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 0 5M 10M

1.2 Ratios

  • CPBI has a worse Return On Assets (0.73%) than 70.26% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.44%, CPBI is doing worse than 83.95% of the companies in the same industry.
  • CPBI has a Return On Invested Capital of 2.02%. This is amongst the best in the industry. CPBI outperforms 98.68% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CPBI is in line with the industry average of 2.66%.
  • The 3 year average ROIC (1.59%) for CPBI is below the current ROIC(2.02%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.73%
ROE 4.44%
ROIC 2.02%
ROA(3y)0.64%
ROA(5y)N/A
ROE(3y)4.48%
ROE(5y)N/A
ROIC(3y)1.59%
ROIC(5y)N/A
CPBI Yearly ROA, ROE, ROICCPBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • CPBI's Profit Margin of 13.79% is on the low side compared to the rest of the industry. CPBI is outperformed by 81.05% of its industry peers.
  • In the last couple of years the Profit Margin of CPBI has declined.
  • The Operating Margin of CPBI (46.92%) is better than 99.21% of its industry peers.
  • CPBI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 46.92%
PM (TTM) 13.79%
GM N/A
OM growth 3Y13.61%
OM growth 5YN/A
PM growth 3Y-13.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CPBI Yearly Profit, Operating, Gross MarginsCPBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 10 20 30 40

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2

2. CPBI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CPBI is destroying value.
  • CPBI has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, CPBI has a worse debt to assets ratio.
CPBI Yearly Shares OutstandingCPBI Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 1M 2M 3M 4M
CPBI Yearly Total Debt VS Total AssetsCPBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • CPBI has an Altman-Z score of -0.56. This is a bad value and indicates that CPBI is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.56, CPBI belongs to the top of the industry, outperforming 99.21% of the companies in the same industry.
  • CPBI has a debt to FCF ratio of 258.50. This is a negative value and a sign of low solvency as CPBI would need 258.50 years to pay back of all of its debts.
  • CPBI has a Debt to FCF ratio of 258.50. This is amonst the worse of the industry: CPBI underperforms 86.32% of its industry peers.
  • CPBI has a Debt/Equity ratio of 5.01. This is a high value indicating a heavy dependency on external financing.
  • CPBI's Debt to Equity ratio of 5.01 is on the low side compared to the rest of the industry. CPBI is outperformed by 96.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.01
Debt/FCF 258.5
Altman-Z -0.56
ROIC/WACC0.51
WACC3.99%
CPBI Yearly LT Debt VS Equity VS FCFCPBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 20M 40M 60M 80M

2.3 Liquidity

  • CPBI has a Current Ratio of 0.07. This is a bad value and indicates that CPBI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CPBI has a better Current ratio (0.07) than 99.47% of its industry peers.
  • A Quick Ratio of 0.07 indicates that CPBI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.07, CPBI belongs to the top of the industry, outperforming 99.47% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
CPBI Yearly Current Assets VS Current LiabilitesCPBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CPBI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.56% over the past year.
  • CPBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.00% yearly.
  • Looking at the last year, CPBI shows a quite strong growth in Revenue. The Revenue has grown by 11.33% in the last year.
  • The Revenue has been growing by 20.93% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)7.56%
EPS 3Y8%
EPS 5YN/A
EPS Q2Q%24.6%
Revenue 1Y (TTM)11.33%
Revenue growth 3Y20.93%
Revenue growth 5YN/A
Sales Q2Q%14.91%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CPBI Yearly Revenue VS EstimatesCPBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 5M 10M 15M 20M 25M

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1

4. CPBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.42, the valuation of CPBI can be described as rather expensive.
  • Based on the Price/Earnings ratio, CPBI is valued expensively inside the industry as 80.53% of the companies are valued cheaper.
  • CPBI is valuated rather cheaply when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.42
Fwd PE N/A
CPBI Price Earnings VS Forward Price EarningsCPBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CPBI is valued cheaply inside the industry as 99.74% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, CPBI is valued expensively inside the industry as 81.05% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 43.96
EV/EBITDA 3.13
CPBI Per share dataCPBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CPBI Dividend Analysis

5.1 Amount

  • No dividends for CPBI!.
Industry RankSector Rank
Dividend Yield 0%

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CPBI Fundamentals: All Metrics, Ratios and Statistics

CENTRAL PLAINS BANCSHARES IN

NASDAQ:CPBI (3/23/2026, 4:54:11 PM)

17.77

+0.66 (+3.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners29.48%
Inst Owner Change7.13%
Ins Owners9.82%
Ins Owner Change0%
Market Cap74.81M
Revenue(TTM)28.22M
Net Income(TTM)3.89M
AnalystsN/A
Price TargetN/A
Short Float %0.17%
Short Ratio1.37
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.42
Fwd PE N/A
P/S 2.65
P/FCF 43.96
P/OCF 13.85
P/B 0.85
P/tB 0.86
EV/EBITDA 3.13
EPS(TTM)1.02
EY5.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.4
FCFY2.28%
OCF(TTM)1.28
OCFY7.22%
SpS6.7
BVpS20.85
TBVpS20.75
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.87
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 4.44%
ROCE 14.59%
ROIC 2.02%
ROICexc 2.13%
ROICexgc 2.15%
OM 46.92%
PM (TTM) 13.79%
GM N/A
FCFM 6.03%
ROA(3y)0.64%
ROA(5y)N/A
ROE(3y)4.48%
ROE(5y)N/A
ROIC(3y)1.59%
ROIC(5y)N/A
ROICexc(3y)1.66%
ROICexc(5y)N/A
ROICexgc(3y)1.68%
ROICexgc(5y)N/A
ROCE(3y)12.75%
ROCE(5y)N/A
ROICexgc growth 3Y28.59%
ROICexgc growth 5YN/A
ROICexc growth 3Y28.73%
ROICexc growth 5YN/A
OM growth 3Y13.61%
OM growth 5YN/A
PM growth 3Y-13.12%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 5.01
Debt/FCF 258.5
Debt/EBITDA 31.33
Cap/Depr 460.77%
Cap/Sales 13.11%
Interest Coverage 1.54
Cash Conversion 38.46%
Profit Quality 43.72%
Current Ratio 0.07
Quick Ratio 0.07
Altman-Z -0.56
F-Score7
WACC3.99%
ROIC/WACC0.51
Cap/Depr(3y)718.14%
Cap/Depr(5y)N/A
Cap/Sales(3y)13.71%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.56%
EPS 3Y8%
EPS 5YN/A
EPS Q2Q%24.6%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.33%
Revenue growth 3Y20.93%
Revenue growth 5YN/A
Sales Q2Q%14.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.98%
EBIT growth 3Y37.39%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-189.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-21.88%
OCF growth 3Y-3.23%
OCF growth 5YN/A

CENTRAL PLAINS BANCSHARES IN / CPBI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CENTRAL PLAINS BANCSHARES IN (CPBI) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CPBI.


Can you provide the valuation status for CENTRAL PLAINS BANCSHARES IN?

ChartMill assigns a valuation rating of 1 / 10 to CENTRAL PLAINS BANCSHARES IN (CPBI). This can be considered as Overvalued.


How profitable is CENTRAL PLAINS BANCSHARES IN (CPBI) stock?

CENTRAL PLAINS BANCSHARES IN (CPBI) has a profitability rating of 3 / 10.


What is the valuation of CENTRAL PLAINS BANCSHARES IN based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CENTRAL PLAINS BANCSHARES IN (CPBI) is 17.42 and the Price/Book (PB) ratio is 0.85.


What is the financial health of CENTRAL PLAINS BANCSHARES IN (CPBI) stock?

The financial health rating of CENTRAL PLAINS BANCSHARES IN (CPBI) is 2 / 10.