NASDAQ : CPBI
Central Plains Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 20.62 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 80.17M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 26.06M | 25.10M | 22.25M | 18.96M | 14.67M | 12.13M |
| Interest Income on Investments | 2.71M | 2.57M | 2.46M | 2.00M | 1.48M | 1.04M |
| Total Interest Income | 28.77M | 27.66M | 24.70M | 20.96M | 16.14M | 13.17M |
| Interest Paid on Deposits | 9.30M | 8.93M | 8.12M | 6.38M | 2.38M | 1.08M |
| Interest Paid on Borrowings | 57.00K | 59.00K | 99.00K | 105.00K | 362.00K | |
| Total Interest Expense | 9.36M | 8.99M | 8.21M | 6.49M | 2.74M | 1.08M |
| Net Interest Income | 19.41M | 18.67M | 16.49M | 14.47M | 13.40M | 12.09M |
| Other Non-Interest Income | 1.52M | 1.53M | 1.48M | 1.89M | 1.51M | 1.41M |
| Total Non-Interest Income | 2.66M | 2.67M | 2.61M | 2.85M | 2.28M | 2.51M |
| Revenues Before Loan Losses | 22.07M | 21.34M | 19.10M | 17.33M | 15.68M | 14.60M |
| Provision for Loan Losses | 360.00K | 306.00K | 200.00K | 88.00K | 2.88M | -114.00K |
| Revenue | 21.71M | 21.04M | 18.90M | 17.24M | 12.80M | 14.71M |
| Salaries and Employee Benefits | 8.68M | 8.55M | 7.72M | 6.79M | 5.61M | 6.11M |
| Occupancy Expenses | 1.49M | 1.44M | 975.00K | 966.00K | 984.00K | 917.00K |
| Federal Deposit Insurance | 215.00K | 207.00K | 192.00K | 241.00K | 171.00K | 135.00K |
| Selling, General & Administrative | 5.45M | 5.58M | 5.23M | 4.36M | 3.86M | 3.59M |
| Other Non-Interest Expense | 271.00K | 268.00K | 261.00K | 252.00K | 223.00K | 215.00K |
| Total Non-Interest Expense | 16.10M | 16.04M | 14.38M | 12.60M | 10.84M | 10.97M |
| EBT Excluding Unusual Items | 5.61M | 4.99M | 4.52M | 4.64M | 1.96M | 3.74M |
| Pretax Income | 5.61M | 4.99M | 4.52M | 4.64M | 1.96M | 3.74M |
| Income Tax Expense | 1.11M | 991.00K | 869.00K | 877.00K | 317.00K | 595.00K |
| Net Income | 4.50M | 4.00M | 3.65M | 3.76M | 1.65M | 3.15M |
| Net Income to Common | 4.50M | 4.00M | 3.65M | 3.76M | 1.65M | 3.15M |
| Basic Shares Outstanding | 3.79M | 3.79M | 3.82M | 1.72M | ||
| Diluted Shares Outstanding | 3.82M | 3.81M | 3.82M | 1.72M | ||
| EPS (Basic) | 1.19 | 1.06 | 0.96 | 2.19 | ||
| EPS (Diluted) | 1.18 | 1.05 | 0.96 | 2.19 | ||
| Effective Tax Rate | 19.73% | 19.86% | 19.21% | 18.92% | 16.15% | 15.90% |
Balance sheet
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 34.44M | 29.93M | 28.68M | 11.45M | 16.56M | 18.98M |
| Investment Securities | 7.56M | 8.66M | 8.56M | 8.66M | 9.34M | 10.09M |
| Mortgage-Backed Securities | 56.06M | 55.19M | 52.34M | 53.48M | 50.56M | 65.65M |
| Total Investments | 63.62M | 63.85M | 60.90M | 62.14M | 59.90M | 75.74M |
| Gross Loans | 447.52M | 448.41M | 402.21M | 380.25M | 353.75M | 311.54M |
| Allowance for Loan Losses | -5.89M | -5.81M | -5.44M | -5.86M | -5.41M | -4.93M |
| Other Adjustments to Gross Loans | -84.00K | -60.00K | -18.00K | |||
| Net Loans | 441.55M | 442.54M | 396.76M | 374.39M | 348.34M | 306.61M |
| Property, Plant & Equipment | 12.53M | 12.76M | 12.94M | 5.87M | 4.10M | 4.29M |
| Accrued Interest Receivable | 3.25M | 3.26M | 3.10M | 2.25M | 1.73M | 1.34M |
| Long-Term Deferred Tax Assets | 2.27M | 2.23M | 2.70M | 3.34M | 3.29M | 2.86M |
| Other Real Estate Owned & Foreclosed | 235.00K | |||||
| Other Long-Term Assets | 4.11M | 3.45M | 3.01M | 3.25M | 3.07M | 3.06M |
| Total Assets | 562.42M | 558.65M | 508.70M | 463.28M | 437.79M | 413.38M |
| Accounts Payable | 2.32M | 3.97M | 3.14M | 2.45M | 1.56M | 2.04M |
| Interest Bearing Deposits | 359.32M | 360.40M | 323.11M | 273.87M | 317.70M | 289.72M |
| Institutional Deposits | 38.75M | 35.45M | 28.59M | 34.38M | ||
| Non-Interest Bearing Deposits | 67.78M | 64.50M | 64.50M | 66.89M | 73.25M | 75.28M |
| Total Deposits | 465.84M | 460.36M | 416.20M | 375.14M | 390.95M | 365.00M |
| Current Portion of Leases | 43.00K | |||||
| Accrued Interest Payable | 1.51M | 1.73M | 1.72M | 1.89M | 668.00K | 215.00K |
| Long-Term Leases | 152.00K | |||||
| Pension & Post-Retirement Benefits | 690.00K | 1.24M | 2.00M | 2.78M | 2.82M | 4.43M |
| Other Long-Term Liabilities | 1.77M | 2.17M | 2.32M | 2.74M | 3.12M | 3.29M |
| Total Liabilities | 472.13M | 469.66M | 425.37M | 385.00M | 399.13M | 374.98M |
| Common Stock | 41.00K | 41.00K | 41.00K | 41.00K | ||
| Additional Paid-In Capital | 39.74M | 39.67M | 39.27M | 39.32M | ||
| Retained Earnings | 55.76M | 54.40M | 50.65M | 47.13M | 43.77M | 42.13M |
| Comprehensive Income & Other | -5.26M | -5.13M | -6.63M | -8.21M | -5.11M | -3.73M |
| Shareholders' Equity | 90.28M | 88.99M | 83.33M | 78.28M | 38.67M | 38.40M |
| Total Liabilities & Equity | 562.42M | 558.65M | 508.70M | 463.28M | 437.79M | 413.38M |
| Total Debt | 195.00K | |||||
| Net Cash (Debt) | 34.44M | 29.73M | 28.68M | 11.45M | 16.56M | 18.98M |
| Net Cash Per Share | 9.03 | 7.80 | 7.52 | 6.67 | ||
| Filing Date Shares Outstanding | 3.89M | 3.90M | 3.92M | 3.80M | ||
| Total Common Shares Outstanding | 3.90M | 3.91M | 3.91M | 3.80M | ||
| Book Value Per Share | 23.17 | 22.77 | 21.31 | 20.60 | ||
| Tangible Book Value | 90.28M | 88.99M | 83.33M | 78.28M | 38.67M | 38.40M |
| Tangible Book Value Per Share | 23.17 | 22.77 | 21.31 | 20.60 |
Cash flow statement
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 4.50M | 4.00M | 3.65M | 3.76M | 1.65M | 3.15M |
| Depreciation & Amortization | 995.00K | 965.00K | 455.00K | 518.00K | 503.00K | 497.00K |
| Gain (Loss) on Sale of Assets | 96.00K | 96.00K | ||||
| Gain (Loss) on Sale of Investments | -58.00K | -19.00K | 71.00K | 160.00K | 305.00K | 772.00K |
| Provision for Credit Losses | 360.00K | 306.00K | 200.00K | 88.00K | 2.88M | -114.00K |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 377.00K | 371.00K | 215.00K | 195.00K | 97.00K | 473.00K |
| Accrued Interest Receivable | -151.00K | -155.00K | -852.00K | -522.00K | -382.00K | -84.00K |
| Change in Accounts Payable | -1.08M | 1.00K | -516.00K | -541.00K | -1.45M | 352.00K |
| Change in Other Net Operating Assets | 95.00K | -201.00K | 409.00K | 214.00K | -153.00K | -435.00K |
| Other Operating Activities | 710.00K | 712.00K | 855.00K | 646.00K | 678.00K | 837.00K |
| Operating Cash Flow | 6.58M | 6.69M | 4.46M | 5.71M | 4.47M | 4.92M |
| Capital Expenditures | -210.00K | -878.00K | -7.53M | -2.28M | -303.00K | -255.00K |
| Investment in Securities | -1.72M | -1.91M | 2.22M | -2.42M | 12.04M | 4.22M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -34.20M | -46.16M | -22.57M | -26.44M | -44.61M | -52.53M |
| Other Investing Activities | -27.00K | -27.00K | -28.00K | -21.00K | -63.00K | 68.00K |
| Investing Cash Flow | -36.16M | -48.98M | -27.90M | -31.16M | -32.93M | -48.49M |
| Issuance of Common Stock | 14.00K | 39.36M | ||||
| Repurchase of Common Stock | -715.00K | -679.00K | -413.00K | -3.31M | ||
| Net Increase (Decrease) in Deposit Accounts | 65.21M | 44.16M | 41.06M | -15.81M | 25.95M | 34.87M |
| Other Financing Activities | 52.00K | 63.00K | 28.00K | 87.00K | 89.00K | 528.00K |
| Financing Cash Flow | 56.09M | 43.54M | 40.67M | 20.34M | 26.04M | 35.40M |
| Net Cash Flow | 26.52M | 1.25M | 17.23M | -5.11M | -2.42M | -8.17M |
| Free Cash Flow | 6.37M | 5.81M | -3.07M | 3.43M | 4.17M | 4.67M |
| Free Cash Flow Margin | 29.36% | 27.61% | -16.23% | 19.88% | 32.58% | 31.72% |
| Free Cash Flow Per Share | 1.67 | 1.52 | -0.80 | 2.00 | ||
| Cash Interest Paid | 9.23M | 8.98M | 8.39M | 5.26M | 1.93M | 1.13M |
| Cash Income Tax Paid | 789.00K | 789.00K | 448.00K | 750.00K | 225.00K | 375.00K |
Ratios
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 80.68M | 66.98M | 63.29M | 42.22M | ||
| Last Close Price | 20.75 | 17.11 | 14.92 | 10.22 | ||
| PE Ratio | 17.58 | 16.74 | 17.32 | 11.23 | ||
| PS Ratio | 3.72 | 3.18 | 3.35 | 2.45 | ||
| PB Ratio | 0.90 | 0.75 | 0.76 | 0.54 | ||
| P/FCF Ratio | 12.66 | 11.53 | 12.32 | |||
| P/OCF Ratio | 12.25 | 10.02 | 14.19 | 7.40 | ||
| Debt / Equity Ratio | 0.00 | |||||
| Debt / FCF Ratio | 0.03 | |||||
| Net Debt / Equity Ratio | -0.38 | -0.33 | -0.34 | -0.15 | -0.43 | -0.49 |
| Net Debt / FCF Ratio | -5.40 | -5.12 | 9.35 | -3.34 | -3.97 | -4.07 |
| Return on Equity (ROE) | 5.15% | 4.64% | 4.52% | 6.43% | 4.27% | |
| Return on Assets (ROA) | 0.85% | 0.75% | 0.75% | 0.83% | 0.39% | |
| Earnings Yield | 5.69% | 5.97% | 5.77% | 8.90% | ||
| FCF Yield | 7.90% | 8.67% | -4.85% | 8.12% | ||
| Buyback Yield / Dilution | -0.06% | 0.15% | -122.15% |