What is Central Plains Bancshares, Inc.'s (CPBI) StockRank?

MoatMap's StockRank for Central Plains Bancshares, Inc. (CPBI) is 44/100, with a Hold signal. This is a composite score combining Quality (36), Value (35), and Momentum (63) factor ranks across MoatMap's 20,000+ stock universe.

Does Central Plains Bancshares, Inc. have an economic moat?

Central Plains Bancshares, Inc. (CPBI) has a Quality factor score of 36/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Central Plains Bancshares, Inc. a buy, hold, or sell?

MoatMap's current signal for Central Plains Bancshares, Inc. (CPBI) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Central Plains Bancshares, Inc. in?

Central Plains Bancshares, Inc. (CPBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CPBI

HOLDREMOVE

Central Plains Bancshares, Inc. · Financial Services · United States · $78M · Avg Vol: $83K/d

StockRank

P/E (TTM)

17.8x

ROE

4.6%

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Central Plains Bancshares is a micro-cap financial institution with low liquidity and no clear competitive moat or asymmetric macro tailwind.

COMPANY DESCRIPTION

Central Plains Bancshares, Inc. is the savings and loan holding company for Home Federal Savings and Loan Association of Grand Island, serving Nebraska communities. The institution's competitive edge is its long-standing local presence, strong capital position, and focus on agricultural and residential mortgage lending. It operates as a traditional, community-oriented regional financial institution.

FINANCIAL SUMMARY (USD)

Year	2023	2024	2025	2026	CAGR
Revenue	0	17.1M	18.8M	21.1M	11.1%
EPS	0.40	2.19	0.96	—	55.2%
Shares	4.1M	4.4M	4.5M	4.5M	+8.5%
Debt	399.1M	385.0M	425.4M	469.7M	5.6%
Equity	38.7M	78.3M	83.3M	89.0M	32.0%
Op CF	4.5M	5.7M	4.5M	6.7M	14.3%
Inv CF	-32.9M	-31.2M	-27.9M	-49.0M	—
Fin CF	26.0M	20.3M	40.7M	43.5M	—

PRICE (1Y)+7.0%

SMA 50SMA 200

$18.69

RSI (14)

58.6

52W High

$18.75

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*31.9

ROE

4.6%20.2

GP/Assets

4.1%48.7

Op. Margin

23.8%40.9

FCF/Assets

—N/A

Piotroski

579.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

17.8x28.0

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.8x75.9

P/S

3.7x45.8

Div Yield

—N/A

Momentum

52W High %

100%93.7

RS 6M

1%69.0

SMA 50/200

1.05x59.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

13%48.3

FUNDAMENTALS

Market Cap

$78M

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CPBI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CPBI	Central Plains Bancshares, Inc.(you)	$78M	44	HOLD
BKSC	Bank of South Carolina Corporation	$86M	41	HOLD
UNB	Union Bankshares, Inc.	$109M	42	HOLD
SSBI	Summit State Bank	$92M	38	HOLD
PROV	Provident Financial Holdings, Inc.	$107M	40	HOLD
WSBK	Winchester Bancorp, Inc.	$116M	41	HOLD
AUBN	Auburn National Bancorporation, Inc.	$87M	34	SELL
FSEA	First Seacoast Bancorp, Inc.	$79M	32	SELL
SRBK	SR Bancorp, Inc.	$140M	41	HOLD
ASRV	AmeriServ Financial, Inc.	$65M	59	HOLD

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

Central Plains Bancshares, Inc. (CPBI) — Stock Score Summary

Central Plains Bancshares, Inc. (CPBI) has a MoatMap StockRank of 44/100 based on Quality (36/100), Value (35/100), and Momentum (63/100) factor scores. The current signal is HOLD. Central Plains Bancshares is a micro-cap financial institution with low liquidity and no clear competitive moat or asymmetric macro tailwind.

Key Financial Metrics

Price	$18.69
Market Cap	$78M
P/E (TTM)	17.81
Price/Book	0.83
Return on Equity	4.6%
Gross Margin	0.0%
Operating Margin	23.8%
Revenue Growth	5.0%

Central Plains Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Central Plains Bancshares, Inc.’s (CPBI) StockRank?: MoatMap’s StockRank for Central Plains Bancshares, Inc. (CPBI) is 44/100, with a Hold signal. It is a composite of Quality (36), Value (35), and Momentum (63) factor ranks across MoatMap’s 20,000+ stock universe.
Does Central Plains Bancshares, Inc. have an economic moat?: Central Plains Bancshares, Inc. (CPBI) has a Quality factor score of 36/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Central Plains Bancshares, Inc. a buy, hold, or sell?: MoatMap’s current signal for Central Plains Bancshares, Inc. (CPBI) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Central Plains Bancshares, Inc. in?: Central Plains Bancshares, Inc. (CPBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).