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CENTRAL PLAINS BANCSHARES IN (CPBI) Stock Fundamental Analysis

NASDAQ:CPBI - Nasdaq - US15486W1009 - Common Stock - Currency: USD

14.9804  +0.08 (+0.54%)

Fundamental Rating

2

Overall CPBI gets a fundamental rating of 2 out of 10. We evaluated CPBI against 402 industry peers in the Banks industry. CPBI has a bad profitability rating. Also its financial health evaluation is rather negative. CPBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CPBI had positive earnings in the past year.
In the past year CPBI had a positive cash flow from operations.
CPBI Yearly Net Income VS EBIT VS OCF VS FCFCPBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2M 4M 6M 8M 10M

1.2 Ratios

CPBI has a Return On Assets (0.77%) which is comparable to the rest of the industry.
With a Return On Equity value of 4.56%, CPBI is not doing good in the industry: 76.98% of the companies in the same industry are doing better.
With an excellent Return On Invested Capital value of 2.11%, CPBI belongs to the best of the industry, outperforming 99.50% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CPBI is in line with the industry average of 2.37%.
The last Return On Invested Capital (2.11%) for CPBI is above the 3 year average (1.26%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.77%
ROE 4.56%
ROIC 2.11%
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.76%
ROE(5y)N/A
ROIC(3y)1.26%
ROIC(5y)N/A
CPBI Yearly ROA, ROE, ROICCPBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2 4 6 8

1.3 Margins

CPBI has a worse Profit Margin (14.63%) than 74.26% of its industry peers.
CPBI has a Operating Margin of 48.37%. This is amongst the best in the industry. CPBI outperforms 99.75% of its industry peers.
Industry RankSector Rank
OM 48.37%
PM (TTM) 14.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CPBI Yearly Profit, Operating, Gross MarginsCPBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CPBI is destroying value.
CPBI has more shares outstanding than it did 1 year ago.
CPBI has a better debt/assets ratio than last year.
CPBI Yearly Shares OutstandingCPBI Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 1M 2M 3M 4M
CPBI Yearly Total Debt VS Total AssetsCPBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

Based on the Altman-Z score of -0.59, we must say that CPBI is in the distress zone and has some risk of bankruptcy.
CPBI's Altman-Z score of -0.59 is amongst the best of the industry. CPBI outperforms 99.26% of its industry peers.
CPBI has a Debt/Equity ratio of 4.85. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.85, CPBI is doing worse than 97.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.85
Debt/FCF N/A
Altman-Z -0.59
ROIC/WACC0.65
WACC3.23%
CPBI Yearly LT Debt VS Equity VS FCFCPBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 20M 40M 60M

2.3 Liquidity

A Current Ratio of 0.02 indicates that CPBI may have some problems paying its short term obligations.
CPBI has a Current ratio of 0.02. This is amongst the best in the industry. CPBI outperforms 99.01% of its industry peers.
CPBI has a Quick Ratio of 0.02. This is a bad value and indicates that CPBI is not financially healthy enough and could expect problems in meeting its short term obligations.
CPBI has a Quick ratio of 0.02. This is amongst the best in the industry. CPBI outperforms 99.01% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
CPBI Yearly Current Assets VS Current LiabilitesCPBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 100M 200M 300M

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2

3. Growth

3.1 Past

CPBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.50%, which is quite impressive.
The Revenue has grown by 29.20% in the past year. This is a very strong growth!
EPS 1Y (TTM)127.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.17%
Revenue 1Y (TTM)29.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CPBI Yearly Revenue VS EstimatesCPBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 5M 10M 15M 20M
CPBI Yearly EPS VS EstimatesCPBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.77 indicates a correct valuation of CPBI.
Compared to the rest of the industry, the Price/Earnings ratio of CPBI indicates a slightly more expensive valuation: CPBI is more expensive than 69.80% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. CPBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.77
Fwd PE N/A
CPBI Price Earnings VS Forward Price EarningsCPBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

99.75% of the companies in the same industry are more expensive than CPBI, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.45
CPBI Per share dataCPBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CPBI!.
Industry RankSector Rank
Dividend Yield N/A

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CENTRAL PLAINS BANCSHARES IN

NASDAQ:CPBI (3/7/2025, 8:15:55 PM)

14.9804

+0.08 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners24.2%
Inst Owner Change36.6%
Ins Owners9.96%
Ins Owner Change48.32%
Market Cap63.52M
AnalystsN/A
Price TargetN/A
Short Float %0.61%
Short Ratio3.43
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 15.77
Fwd PE N/A
P/S 2.51
P/FCF N/A
P/OCF 16.46
P/B 0.78
P/tB 0.79
EV/EBITDA 4.45
EPS(TTM)0.95
EY6.34%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.63
FCFYN/A
OCF(TTM)0.91
OCFY6.08%
SpS5.98
BVpS19.17
TBVpS19.08
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 4.56%
ROCE 14.45%
ROIC 2.11%
ROICexc 2.14%
ROICexgc 2.16%
OM 48.37%
PM (TTM) 14.63%
GM N/A
FCFM N/A
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.76%
ROE(5y)N/A
ROIC(3y)1.26%
ROIC(5y)N/A
ROICexc(3y)1.31%
ROICexc(5y)N/A
ROICexgc(3y)1.32%
ROICexgc(5y)N/A
ROCE(3y)11.6%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 4.85
Debt/FCF N/A
Debt/EBITDA 30.83
Cap/Depr 1235.09%
Cap/Sales 25.82%
Interest Coverage 1.56
Cash Conversion 30.17%
Profit Quality N/A
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z -0.59
F-Score8
WACC3.23%
ROIC/WACC0.65
Cap/Depr(3y)184.12%
Cap/Depr(5y)N/A
Cap/Sales(3y)4.6%
Cap/Sales(5y)N/A
Profit Quality(3y)163.94%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)127.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.49%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y136.73%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y27.7%
OCF growth 3YN/A
OCF growth 5YN/A