Central Plains Bancshares Inc. Common Stock (CPBI)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Central Plains Bancshares is a tiny Nebraska thrift: an $83.2 million market cap, 68 employees, deposits, and loans around Grand Island. At the close on 2026-10-13, the price was $19.95, and FairStock calculates P/B 0.86, P/E 16.91, PEG 0.72, ROE 5.15%, ROCE 0.85%, and a Piotroski F-Score of 4/9. The discount to book catches a Graham eye, but the low return on equity says the bank is not earning much on that book. Filed results show improvement: in fiscal Q1 2027, the quarter ended 2026-06-30, net income was $1.5 million and diluted EPS $0.39, versus net income $988,000 and diluted EPS $0.26 in fiscal Q1 2026, the quarter ended 2025-06-30. FY2026, the fiscal year ended 2026-03-31, had net income $4.0 million and diluted EPS $1.05, up from net income $3.7 million and diluted EPS $0.96 in FY2025, the fiscal year ended 2025-03-31. But FY2024, the fiscal year ended 2024-03-31, had net income $3.8 million and diluted EPS $2.19, so the per-share history is not clean from the provided data. The Lynch category is STALWART, with profit growing 34.4% a year over three years, yet ROE is only 5.15% and Piotroski is 4/9. For a bank, I need CET1, net interest margin, efficiency ratio, and credit metrics; none are given. Beta 0.22 and no dividend make it quiet, defensive, and unproven on capital returns. A 0.86 P/B can be an opportunity if underwriting is sound, but it can also be a value trap if low profitability persists.

In plain English: Central Plains Bancshares is the holding company for a small Nebraska savings bank that takes deposits and makes mostly residential and commercial loans. The business is profitable and recent quarterly earnings improved, but overall profitability is modest and important bank risk details are missing. At $19.95, the stock trades below its accounting value, which may look cheap, though the weak return on that value keeps the picture mixed.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2027 10-Q (period ended 2026-06-30) · fiscal Q3 2026 10-Q (period ended 2025-12-31) · fiscal Q2 2026 10-Q (period ended 2025-09-30) · fiscal Q1 2026 10-Q (period ended 2025-06-30) · FY2026 10-K (period ended 2026-03-31) · FY2025 10-K (period ended 2025-03-31) · FY2024 10-K (period ended 2024-03-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer