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Upturn AI SWOT - About
Central Plains Bancshares, Inc. Common Stock (CPBI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/10/2025: CPBI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 38.86% | Avg. Invested days 188 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/10/2025 |
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. is a bank holding company that provides community banking services. Specific founding year and detailed milestones require further dedicated research as it's a smaller, privately held entity.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including checking accounts, savings accounts, loans (commercial, agricultural, and consumer), and other related services to individuals and businesses.
Leadership and Structure
Information on specific leadership team and organizational structure requires further dedicated research as it's a smaller, privately held entity.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (equipment, real estate, working capital). Market share data is not readily available due to the bank's size and regional focus. Competitors include other community banks, regional banks, and national banks.
- Agricultural Loans: Loans to farmers and ranchers. Market share data is not readily available. Competitors include Farm Credit Services, other community banks, and regional banks.
- Consumer Loans: Loans to individuals for personal needs (auto, home improvement, etc.). Market share data is not readily available. Competitors include credit unions, other community banks, and national banks.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing competition, regulatory scrutiny, and technological advancements. Consolidation is a continuing trend.
Positioning
Central Plains Bancshares likely focuses on building strong relationships with local customers and providing personalized service, differentiating itself from larger national banks.
Total Addressable Market (TAM)
TAM is difficult to estimate without specific geographic data. Central Plains Bancshares likely focuses on capturing market share within its specific operating region.
Upturn SWOT Analysis
Strengths
- Strong local relationships
- Personalized customer service
- Community focus
- Quick decision-making
Weaknesses
- Limited geographic reach
- Smaller loan portfolio
- Less technological resources
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased lending to underserved populations
- Adoption of new technologies
- Partnerships with fintech companies
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Requires specific geographic data to identify key competitors. Common competitors include regional and other local community banks.
Competitive Landscape
Central Plains Bancshares competes with other community banks and larger regional or national banks. Its competitive advantage lies in personalized service and local relationships.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable.
Future Projections: Data unavailable.
Recent Initiatives: Data unavailable.
Summary
As a privately held company, Central Plains Bancshares likely focuses on its local community and strives to provide personalized service. Limited information is available, which makes assessing their performance challenging. They should focus on strengthening their digital offerings and navigating the complex regulatory environment. Key to success will be maintaining customer relationships and managing credit risk effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website (if available)
- Industry reports on community banking
- General news sources
Disclaimers:
Data for Central Plains Bancshares is limited due to its private status. The analysis is based on general knowledge of the community banking industry and publicly available information. Market share data is estimated.
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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