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Upturn AI Summary - About
Central Plains Bancshares, Inc. Common Stock(CPBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CPBI
11/06/2026: CPBI (4-star) is currently NOT-A-BUY. Pass it for now.
Central Plains Bancshares, Inc. is a small-cap community bank based in Nebraska that operates through its subsidiary, Home Federal Bank. The company has a long history and a stable, relationship-based business model centered on local lending and deposits. Its primary investment story revolves around steady regional banking activity and capital management initiatives, such as share repurchases. However, investors should monitor risks such as its narrow geographic focus, limited market liquidity, and sensitivity to interest rate fluctuations. It may best suit value-oriented investors who favor traditional, community-based financial institutions. The key developments to watch include loan portfolio growth, net interest margin trends, and the execution of ongoing capital return programs.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a small-cap, traditional community bank with limited scope for rapid, hyper-growth. |
| Momentum investor | Mixed fit | Momentum may be inconsistent due to low trading volume and small-cap status, dependent on specific news cycles. |
| Value investor | Strong fit | Trading at a discount to book value may appeal to value investors looking for steady, traditional financial institutions. |
| Dividend investor | Mixed fit | Current dividend yield is low or non-existent, making it less attractive for income-focused investors. |
| Low-risk investor | Mixed fit | While the business model is traditional and stable, small-cap stocks generally carry higher volatility risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap stocks with lower liquidity are prone to significant price swings. |
| Valuation risk | Medium | Price relative to book value and earnings may fluctuate based on interest rate outlooks. |
| Competition risk | High | Intense competition from larger banks and fintech platforms could erode market share. |
| Business quality | Medium | The company relies on a narrow regional footprint, which limits its operational diversity. |
| Dividend income | Low / none | The company has not established a history of significant dividend payments. |
| Execution risk | Medium | Success depends on management's ability to maintain loan quality while navigating economic shifts in Nebraska. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 73.98% | Avg. Invested days 103 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 80.87M USD | Price to earnings Ratio 17.63 | 1Y Target Price 61.12 |
Price to earnings Ratio 17.63 | 1Y Target Price 61.12 | ||
Volume (30-day avg) 2.8K shares | Beta 0.21 | 52 Weeks Range 15.56 - 21.83 | Updated Date 11/08/2026 |
52 Weeks Range 15.56 - 21.83 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.18 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential, commercial, and consumer loans minus interest paid to depositors. | The primary way they make money is by charging more for loans than they pay for customer deposits. |
| Fee Income | Account maintenance fees, payment services, and other banking service fees. | They generate modest additional revenue through service fees on checking and banking accounts. |
Valuation
Trailing PE 17.63 | Forward PE - | Enterprise Value 27.78M | Price to Sales(TTM) 3.73 |
Enterprise Value 27.78M | Price to Sales(TTM) 3.73 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA 2.39 | Shares Outstanding 3.89M | Shares Floating 2.80M |
Shares Outstanding 3.89M | Shares Floating 2.80M | ||
Percent Insiders 19.18 | Percent Institutions 33 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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