CPBI · NASDAQ · Banks - Regional

Central Plains Bancshares (CPBI)

Owns Home Federal Bank, a deposit-taking lender serving Nebraska communities.

$21.13
At close+0.08 (+0.38%)
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Central Plains Bancshares, Inc. Common StockCPBIFinancials

Owns Home Federal Bank, which takes deposits and originates residential mortgages, commercial real-estate loans, and other business and consumer loans. The franchise operates through branches across central and south-central Nebraska.

Operates through Home Federal Bank, which accepts public deposits and originates one-to-four-family residential mortgages and commercial real-estate loans. Its lending also includes commercial and industrial, multifamily, construction and land-development, agricultural, and consumer loans. Checking, savings, certificate-of-deposit accounts, and electronic banking complement the lending business.

Created as the public holding company in the 2023 mutual-to-stock conversion, the company owns Home Federal Savings. The franchise is concentrated in Nebraska, with full-service locations in Grand Island, Hastings, Lexington, Lincoln, Holdrege, and Superior. Its operating model depends on gathering local deposits and placing those funds into loans in its primary market area.

Company facts

CEODannel R. Garness
ListedOct 20, 2023
ExchangeNASDAQ
HeadquartersGrand Island, NE
CountryUnited States
Employees73
CIK0001979332
ISINUS15486W1009

Market cap$87.8M
EPS (ttm)$1.17
P/E (ttm)17.93
ROE5.1%
P/B0.8813
P/S2.79
Dividend yieldDiv yield
Beta0.18vs XLF 0.05

No analyst consensus on record.

EPSReportedEstimate

Sep '23Feb '24Jun '25Aug '25Nov '25Feb '26Jun '26Aug '26
Reported$0.24$0.31$0.23$0.26$0.23$0.31$0.25$0.39
Estimate
Surprise

RevenueReportedEstimate

Sep '23Feb '24Jun '25Aug '25Nov '25Feb '26Jun '26Aug '26
Reported$6.3M$5.0M$6.6M$5.2M$7.9M$8.3M
Estimate
Surprise
Estimate
Reported$0.39
Estimate
Reported$8.3M
View details

Debt to equity0.00%

ProfitabilityRevenueNet incomeNet margin

Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26
Revenue$6.8M$6.9M$7.1M$7.2M$7.5M$7.9M$7.8M$8.3M
Net income$952.0K$951.0K$848.0K$988.0K$882.0K$1.2M$955.0K$1.5M
Net margin14.1%13.8%11.9%13.7%11.8%14.9%12.3%17.9%

GrowthOperating income

Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26
Operating income$1.2M$1.2M$1.1M$1.2M$1.1M$1.5M$1.2M$1.8M
YoY growth−6.1%+3.1%−0.6%+10.7%−3.6%+23.8%+10.0%+50.4%

Balance sheet, Jun 30, 2026Cash & short-term investments $69.1M · Total debt $0 · Total assets $562.4M · Shareholders' equity $90.3M

Revenue
$8.3M
Operating income
$1.8M
Net income
$1.5M
View details

No dividends on record.

Institutions16 holders · as of Mar 31, 202631.84%1.33M shares
Insiders12 holders · as of Jun 27, 20258.31%346.5K shares
Strategic holders1 holder · as of Jul 22, 20244.53%189.2K shares
Otherremainder55.32%2.31M shares

4.17M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Stilwell Value LLCInstitution
8.79%366,90113Fas of Mar 31, 2026
Home Federal Savings & Loan Assocation of Grand Island Employee Stock Ownership Plan TrustInstitution
7.87%328,19513Gfiled Feb 13, 2026
M3 Funds, LLCStrategic
4.53%189,15313Gfiled Jul 22, 2024
Graham Capital Wealth Management, LLCInstitution
4.26%177,65213Fas of Mar 31, 2026
Oppenheimer & Close, LLCInstitution
3.95%165,00713Fas of Mar 31, 2026
See all 25

13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more

Insider tradesForm 4

Nothing filed in the last 12 months.

View details

Compare

CompanyPriceChange
Central Plains Bancshares$21.13+0.38%$87.8M17.92.8+26.6%
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Median12.611.92.2+8.6%