Central Plains Bancshares, Inc. Common Stock

CPBI

$21.05

+0.33%

2026-09-03 15:59:50 EDT+$0.07

Financial Services

Banks - Regional

NASDAQ

Active Trading

Central Plains Bancshares, Inc. operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that operates ...

Price Action of CPBI

$21.05

+0.33%+$0.07

High—

Low—

52W High-3.6%

Rel. vol—

Interval

Range4.4h

Volume—SMA5SMA10

—

Central Plains Bancshares, Inc. (NASDAQ: CPBI) is a savings and loan holding company headquartered in Grand Island, Nebraska. It operates as the holding company for Home Federal Savings and Loan Association, commonly known as Home Federal Bank, which was originally chartered in 1935. The company was incorporated in June 2023 ...Central Plains Bancshares, Inc. (NASDAQ: CPBI) is a savings and loan holding company headquartered in Grand Island, Nebraska. It operates as the holding company for Home Federal Savings and Loan Association, commonly known as Home Federal Bank, which was originally chartered in 1935. The company was incorporated in June 2023 as a holding company and completed its initial public offering (IPO) on October 20, 2023, listing its common stock on the Nasdaq Capital Market. As of the latest data, the company has approximately 68-71 full-time employees and a market capitalization of around $86 million. The company provides a range of financial products and services, including checking and savings accounts, certificates of deposit, and various loan products such as residential mortgages, commercial loans, construction loans, agricultural loans, and consumer loans. It also offers electronic banking services, including mobile and online banking, bill pay, and ATM services. Central Plains Bancshares focuses on serving the local communities in Nebraska, emphasizing personalized customer service. The company is committed to supporting the financial needs of individuals, families, and businesses in its region. With a price-to-earnings ratio of about 19.8 and return on equity of 4.6%, the company maintains a stable financial performance. Its revenue per share is approximately $7.76, and its book value per share is around $22.77. The company faces competition from larger financial institutions but differentiates itself through its community-oriented approach and local expertise. Under the leadership of CEO Dannel R. Garness, Central Plains Bancshares aims to continue its legacy of financial stability and community service, while exploring opportunities for growth and expansion in the Nebraska market and beyond.ExpandCollapse

Founded

1935

Employees

CEO

Dannel R. Garness

Full Name

Central Plains Bancshares, Inc. Common Stock

Sector

Financial Services

Industry

Banks - Regional

ROE

5.10%

Market Cap

$0.09B

WACC

14.45%

ROIC

5.28%

Contact Information

https://www.homefederalne.bank

308 382 4000

221 South Locust Street, Grand Island, NE 68801

Key Metrics of CPBI

Snapshot

Latest / TTM · 6 periods

Market Cap

$88.05M

ROCE

1.0%

EV / EBITDA

12.73x

+0.1% YoY

FCF Yield

5.2%

-3.7% YoY

Cash Conversion Cycle

37.7d

Current Ratio

0.00

Quick take

TTM —

Current ratio below 1.0

Positive CCC

Financial Highlights of CPBI

Profitability trend

Latest / TTM · 6 periods

Gross Margin

69.1%

Net Margin

14.3%

P/E Ratio

18.33x

n/a

Debt / Equity

0.00

n/a

Current Ratio

0.00

Dividend Yield

0.0%

Understanding

TTM —

Current ratio below 1.0

Calendar of CPBI

Recent history

Jun 18, 2026
FY2025 · Annual results
EPS $1.05 · Revenue $30.33M
View filing
Feb 11, 2026
Q3 FY2025 · Results reported
EPS $0.31 · Revenue $7.87M
View filing
Nov 13, 2025
Q2 FY2025 · Results reported
EPS $0.23 · Revenue $7.46M
View filing
Aug 12, 2025
Q1 FY2025 · Results reported
EPS $0.26 · Revenue $7.23M
View filing
Jun 26, 2025
FY2024 · Annual results
EPS $0.96 · Revenue $27.31M
View filing
Feb 11, 2025
Q3 FY2024 · Results reported
EPS $0.25 · Revenue $6.90M
View filing

Financial Statements of CPBI

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$30.3M	+11.1%	-1.5%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$4.0M	+9.5%	-18.7%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+69.5%	+0.4%	-5.9%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+16.5%	-0.6%	-19.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+13.2%	-1.4%	-17.5%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$5.8M	+289.4%	-110.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+19.1%	+270.5%	-111.0%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	0.2%	—	—
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	1703.58x	—	—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$558.6M	+9.8%	+0.7%

Actual vs Estimate

A Mar 31Q —

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	—	—	—	—
Revenue Surprise	$30.3M vs $10.1B	-99.7%	—	—

Insider Transactions of CPBI

Acquisitions (A)

Since Jan 10, 2025

Disposals (D)

Since Jan 10, 2025

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Jul 8, 2026	Younes Francis E.	director	Common Stock	—	0	—
May 27, 2025	Garness Daniel R	officer: President & CEO	Stock Options	A	15,000	$14.61
May 27, 2025	Garness Daniel R	officer: President & CEO	Common Stock	A	9,000	—
May 20, 2025	Garness Daniel R	officer: President & CEO	Common Stock	—	0	—
Jan 10, 2025	Kool Bradley M.	officer: 1st VP and CFO	Stock Options	A	20,000	$14.79

Leadership Team of CPBI

5 executives

Name	Title	Compensation	Gender	Year Born	Status
Dannel R. Garness	President, CEO & Director	USD 324,382	Male	1972	Active
Kurt A. Haecker	Executive Vice President & Chief Lending Officer	USD 304,319	Male	1963	Active
Kenneth Wiemers	EVP & Chief Sales Officer	USD 272,155	Male	1971	Active
Lisa A. Harris	Executive Vice President, Chief Operating Officer & Corporate Secretary	USD 242,837	Female	1962	Active
Bradley Kool	Executive VP & CFO	—	Male	1978	Active

Historical Employee Count of CPBI

Current

Change

+0.00%

Minimum

Maximum

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Mar 31, 2026	68	10-K	Jun 18, 2026	View
Mar 31, 2025	68	10-K	Jun 26, 2025	View
Mar 31, 2024	71	10-K	Jun 21, 2024	View

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Central Plains Bancshares, Inc. Common Stock

Price Action of CPBI

Company Overview of CPBI

Contact Information

Key Metrics of CPBI

Financial Highlights of CPBI

Calendar of CPBI

Recent history

FY2025 · Annual results

Q3 FY2025 · Results reported

Q2 FY2025 · Results reported

Q1 FY2025 · Results reported

FY2024 · Annual results

Q3 FY2024 · Results reported

Financial Statements of CPBI

Insider Transactions of CPBI

Leadership Team of CPBI

Historical Employee Count of CPBI

Recent Filings

Related stocksShell Companies

Key Metrics of CPBI

Financial Highlights of CPBI

Calendar of CPBI

Recent history

FY2025 · Annual results

Q3 FY2025 · Results reported

Q2 FY2025 · Results reported

Q1 FY2025 · Results reported

FY2024 · Annual results

Q3 FY2024 · Results reported

Financial Statements of CPBI

Insider Transactions of CPBI

Leadership Team of CPBI

Historical Employee Count of CPBI

Recent Filings