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Upturn AI SWOT - About
Central Plains Bancshares, Inc. Common Stock (CPBI)
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Upturn Advisory Summary
10/14/2025: CPBI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 48.64% | Avg. Invested days 120 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 59.46M USD | Price to earnings Ratio 15.83 | 1Y Target Price 61.12 |
Price to earnings Ratio 15.83 | 1Y Target Price 61.12 | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 10.09 - 15.50 | Updated Date 06/29/2025 |
52 Weeks Range 10.09 - 15.50 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.96 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.33% | Operating Margin (TTM) 22.74% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 4.52% |
Valuation
Trailing PE 15.83 | Forward PE - | Enterprise Value 27783464 | Price to Sales(TTM) 3.15 |
Enterprise Value 27783464 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA 2.39 | Shares Outstanding 3911640 | Shares Floating 2855850 |
Shares Outstanding 3911640 | Shares Floating 2855850 | ||
Percent Insiders 19.1 | Percent Institutions 24.71 |
Upturn AI SWOT
Central Plains Bancshares, Inc. Common Stock
Company Overview
History and Background
Central Plains Bancshares, Inc. operates as the bank holding company for Farmers & Merchants Bank of Ashland. The bank provides various banking products and services to individuals, businesses, and agricultural clients.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides deposit accounts, loans, and other services to individuals and households.
- Agricultural Banking: Specializes in loans and financial services tailored to farmers and agricultural businesses.
Leadership and Structure
The company is led by a board of directors and an executive management team. Details about the specific individuals were not available on the public web search.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available. Competitors include other community and regional banks, as well as national banks offering commercial lending services.
- Agricultural Loans: Loans tailored for farmers and agricultural businesses to finance operations, equipment, and land. Market share data is not publicly available. Competitors include Farm Credit Services and other agricultural lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include all banks and credit unions offering deposit accounts.
Market Dynamics
Industry Overview
The community banking sector is characterized by strong competition, regulatory oversight, and sensitivity to economic conditions and interest rate fluctuations.
Positioning
Central Plains Bancshares positions itself as a community bank focused on serving local businesses and individuals, often emphasizing relationship banking and local decision-making.
Total Addressable Market (TAM)
TAM for banking services includes all potential customers needing financial services within the geographic area served. Central Plains Bancshares' positioning aims to capture a segment of this TAM through personalized service and community focus.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Community focus
- Personalized Service
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Potential dependence on local economy
- Lower brand awareness compared to national banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growing demand for specialized financial services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Other community and regional banks in the area.
Competitive Landscape
Central Plains Bancshares faces competition from other community banks, regional banks, and national banks. Its competitive advantage likely lies in its local market knowledge and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be assessed without specific financial data.
Future Projections: Future growth projections are unavailable without analyst estimates.
Recent Initiatives: Specific strategic initiatives are not available on the public web search.
Summary
Central Plains Bancshares operates as a community bank, focusing on local relationships and specialized services. It faces challenges from larger institutions and economic factors, but opportunities exist through expansion and innovation. Detailed financial information is necessary for a more complete assessment. The companyu2019s strengths lie in its community focus, but it needs to address weaknesses like limited scale to ensure future growth and stability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information on Central Plains Bancshares, Inc.
Disclaimers:
This analysis is based on limited publicly available information. Financial data and analyst estimates were not accessible. The analysis should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Central Plains Bancshares, Inc. Common Stock
Exchange NASDAQ | Headquaters Grand Island, NE, United States | ||
IPO Launch date 2023-10-20 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 68 | Website https://www.homefederalne.bank |
Full time employees 68 | Website https://www.homefederalne.bank | ||
Central Plains Bancshares, Inc. operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that operates as a federally chartered stock savings and loan association in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, commercial non-real estate loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans and consumer loans, such as dental implant loans, automobile loans, energy loans, student loans, recreation vehicles, boat loans, and unsecured preferred lines of credit. In addition, it offers automated teller machines, electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was founded in 1935 and is based in Grand Island, Nebraska.
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