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Central Plains Bancshares, Inc. Common Stock logo

Central Plains Bancshares, Inc. Common Stock

CPBI

NASDAQFinancial ServicesBanks - Regional

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Latest quote

$20.99

+$0.001 · +0.00%

Aug 21, 3:55 PM ET

CPBI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

67

Undervalued

Momentum

53

Neutral

Sentiment

57

Mixed

Risk resilience

75

Moderate Risk

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Company profile

Company website

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. The company provides deposits accounts, including checking and savings accounts and certificates of deposit. It 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, the company offers automated teller machines and electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. Central Plains Bancshares, Inc. was founded in 1935 and is headquartered in Grand Island, Nebraska.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Dannel R. Garness
Listed since
Oct 20, 2023
Employees
68

Market position

Volume
368
0.11× average
Average volume
3.28K
Average daily volume
Market cap
87.72M USD
Beta
0.18
Market reference 1

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%68%34%0%Gross margin, FY2021: 93.84%Gross margin, FY2022: 69.50%Gross margin, FY2023: 72.38%Gross margin, FY2024: 69.19%Gross margin, FY2025: 69.47%Operating margin, FY2021: 23.88%Operating margin, FY2022: 10.66%Operating margin, FY2023: 19.47%Operating margin, FY2024: 16.56%Operating margin, FY2025: 16.45%Net margin, FY2021: 20.08%Net margin, FY2022: 8.94%Net margin, FY2023: 15.78%Net margin, FY2024: 13.38%Net margin, FY2025: 13.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.84%. Gross margin FY2022 69.50%. Gross margin FY2023 72.38%. Gross margin FY2024 69.19%. Gross margin FY2025 69.47%. Operating margin FY2021 23.88%. Operating margin FY2022 10.66%. Operating margin FY2023 19.47%. Operating margin FY2024 16.56%. Operating margin FY2025 16.45%. Net margin FY2021 20.08%. Net margin FY2022 8.94%. Net margin FY2023 15.78%. Net margin FY2024 13.38%. Net margin FY2025 13.19%.

Income trends

Revenue

30.33M USD+11.05%

Operating income

4.99M USD+10.35%

Net income

4M USD+9.47%
Income trends across reported periods33.2M USD21.73M USD10.25M USD−1.22M USDRevenue, FY2021: 15.68M USDRevenue, FY2022: 18.42M USDRevenue, FY2023: 23.82M USDRevenue, FY2024: 27.31M USDRevenue, FY2025: 30.33M USDOperating income, FY2021: 3.74M USDOperating income, FY2022: 1.96M USDOperating income, FY2023: 4.64M USDOperating income, FY2024: 4.52M USDOperating income, FY2025: 4.99M USDNet income, FY2021: 3.15M USDNet income, FY2022: 1.65M USDNet income, FY2023: 3.76M USDNet income, FY2024: 3.65M USDNet income, FY2025: 4M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 15.68M USD. Revenue FY2022 18.42M USD. Revenue FY2023 23.82M USD. Revenue FY2024 27.31M USD. Revenue FY2025 30.33M USD. Operating income FY2021 3.74M USD. Operating income FY2022 1.96M USD. Operating income FY2023 4.64M USD. Operating income FY2024 4.52M USD. Operating income FY2025 4.99M USD. Net income FY2021 3.15M USD. Net income FY2022 1.65M USD. Net income FY2023 3.76M USD. Net income FY2024 3.65M USD. Net income FY2025 4M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue30.33M USD27.31M USD23.82M USD18.42M USD15.68M USD
Cost of goods sold9.3M USD8.41M USD6.58M USD5.62M USD965K USD
Gross profit21.07M USD18.9M USD17.24M USD12.8M USD14.71M USD
Selling, general, and administrative3.37M USD8.49M USD7.47M USD6.18M USD6.65M USD
Operating expenses16.04M USD14.38M USD12.6M USD10.84M USD10.97M USD
Interest income27.67M USD24.7M USD20.96M USD16.14M USD13.17M USD
Interest expense8.99M USD8.21M USD6.49M USD2.74M USD1.08M USD
Depreciation and amortization965K USD455K USD518K USD503K USD497K USD
Operating income4.99M USD4.52M USD4.64M USD1.96M USD3.74M USD
Net income4M USD3.65M USD3.76M USD1.65M USD3.15M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.39

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.430.350.270.2Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 0.25, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 11, 2025: actual 0.25, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 26, 2025: actual 0.23, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 0.26, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual 0.23, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 11, 2026: actual 0.31, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Jun 18, 2026: actual 0.25, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 12, 2026: actual 0.39, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates8.66M7.92M7.18M6.43MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 6.77M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 11, 2025: actual 6.9M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 26, 2025: actual 7.11M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 7.23M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual 7.46M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 11, 2026: actual 7.87M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Jun 18, 2026: actual 7.76M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 12, 2026: actual 8.33M USD, estimate —, surprise —, Comparison unavailable.

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