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Central Plains Bancshares, Inc. Common Stock (CPBI)

USD19.99 +0.49 (+2.51%)
US NASDAQ Financial Services Shell Companies
Address 221 South Locust Street 68801
Grand Island, NE, US
CEO Dannel R. Garness
IPO 2023-10-20
CIK 1979332 ISIN US15486W1009

Explore sections of this company profile

Description

Central Plains Bancshares, Inc. delivers a comprehensive suite of banking products and financial services to a diverse clientele, including individual consumers and small to medium-sized commercial enterprises, primarily within Nebraska, United States. Its offerings include standard deposit accounts such as checking, savings, and certificates of deposit. Beyond deposits, the company extends a wide array of credit facilities. These encompass residential mortgages (for one-to-four-family properties), commercial real estate loans, multi-family housing finance, construction and land development funding, and agricultural loans (covering both real estate and non-real estate assets). Additionally, it provides commercial and industrial loans for business operations, and various consumer lending options. Digital banking solutions are also available, featuring mobile and online banking capabilities, bill payment services, and electronic funds transfers. Established in 2023, the institution's headquarters are located in Grand Island, Nebraska.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD19.99 +0.49 (+2.51%)
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Volume Profile
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Liquidity & share structure
Average Volume
3.3K
Beta
0.21
Float Shares
2.86M
Free Float %
68.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.65% +0.22% +5.49% +8.69% +9.97% +10.17% +23.85% +104.84% +104.84% +104.84% +104.84%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
19.99
DCF (Unlevered) 13.03 -34.8%
DCF (Levered) 34.03 +70.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2025-06
Strong Buy 1
Buy 0
Hold 0
Sell 0
Strong Sell 0
Quality scores
Altman Z-Score
0.48
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Shell Companies: +20.6%
    +11.1% Q1'26: +9.1% (vs Q1'25)
  • EPS growth Shell Companies: -12.3%
    +9.4% Q1'26: +9.1% (vs Q1'25)
  • FCF margin FCF growth · Shell Companies: +8.7%
    -17.3% Q1'26: +23.0% (vs Q1'25)
  • EBIT margin Shell Companies: +0.0%
    +16.5% Q1'26: +15.1% (vs Q1'25)
  • ROIC Shell Companies: +0.0%
    +20.9% Q1'26: +127.3% (vs Q1'25)
  • Share dilution Shell Companies: -10.2%
    -0.2% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Shell Companies: 0.00×
    0.03× Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.21) × ERP
WACC = 100% × Ke + 0% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 13.03 Current price: 19.99
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2025
actual
Mar 2026
1 Rev. Ana.
Revenue
27.31M
est: 10.29B (-99.7%)
10.12B
10.12B – 10.12B
-1.7% YoY
EBITDA
4.98M
est: 2.06B (-99.8%)
2.02B
2.02B – 2.02B
-1.7% YoY
EBIT
4.52M
est: 1.79B (-99.7%)
1.76B
1.76B – 1.76B
-1.7% YoY
Net Income
3.65M
— – —
SGA
8.49M
est: 3.08B (-99.7%)
3.03B
3.03B – 3.03B
-1.7% YoY
EPS
0.96
— – —
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-18 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-06-17 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-16 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-15 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-12 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-11 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-10 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-09 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-08 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-05 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-04 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-03 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-02 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-06-01 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-28 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-27 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-26 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-22 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-05-21 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-20 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-19 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-05-18 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-05-15 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-14 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-13 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-12 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-11 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-08 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-07 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-06 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-05 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-04 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-05-01 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-04-30 B 3/5 5/5 2/5 3/5 1/5 2/5 4/5
2026-04-29 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-04-28 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-04-27 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-04-24 B 3/5 4/5 2/5 4/5 1/5 2/5 4/5
2026-04-23 B 3/5 4/5 2/5 4/5 1/5 2/5 4/5
2026-04-22 B 3/5 4/5 2/5 4/5 1/5 2/5 4/5
2026-04-21 B 3/5 4/5 2/5 4/5 1/5 2/5 4/5
2026-04-20 B 3/5 4/5 2/5 4/5 1/5 2/5 4/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 1/5 2/5 4/5
2026-04-16 B+ 3/5 4/5 3/5 4/5 1/5 2/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.70M
OE per share TTM
0.71
Owner's Yield
3.83%
Maintenance CapEx ratio
21.29%
Maint CapEx / Avg PPE
31.9%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
16
Total invested
22.71M
Insider transactions (90d)
0
Beneficial owners (>5%)
6
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Joseph Stilwell 307.3K 7.40% 307.3K IN 2024-11-05
2 Stilwell Activist Fund, L.P. 307.3K 7.40% 307.3K PN 2024-11-05
3 Stilwell Activist Investments, L.P. 307.3K 7.40% 307.3K PN 2024-11-05
4 Stilwell Partners, L.P. 307.3K 7.40% 307.3K PN 2024-11-05
5 Stilwell Value LLC 307.3K 7.40% 307.3K OO 2024-11-05
6 Jason A. Stock 189.2K 4.58% 154.2K 154.2K IN STATE OF DELAWARE, UNITED STATES OF AMERICA 2024-07-22

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
16
+1 vs prev Q
New positions
4
Closed positions
3
Increased
8
Reduced
2
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 STILWELL VALUE LLC 366.9K +— (+0.0%) 6.21M +227.5K (+3.8%) 9.69% +0.019 pp 3.42% +0.778 pp USD14.74 +14.8% 9 qtrs
2 GRAHAM CAPITAL WEALTH MANAGEMENT, LLC 179.9K +89.3K (+98.6%) 3.04M +1.6M (+107.7%) 4.75% +2.365 pp 2.80% +1.304 pp USD16.40 +3.2% 3 qtrs
3 OPPENHEIMER & CLOSE, LLC 175.0K +— (+0.0%) 2.96M +129.5K (+4.6%) 4.62% +0.009 pp 2.02% +0.105 pp USD10.20 +65.9% 9 qtrs
4 VANGUARD GROUP INC 165.8K +1.3K (+0.8%) 2.81M +115.8K (+4.3%) 4.38% +0.044 pp 0.00% +0.000 pp USD14.08 +20.2% 8 qtrs
5 MANGROVE PARTNERS 158.1K -1.8K (-1.1%) 2.68M +69.4K (+2.7%) 4.18% -0.037 pp 0.22% +0.026 pp USD10.29 +64.4% 9 qtrs
6 MINERVA ADVISORS LLC 49.1K +— (+0.0%) 831.1K +30.5K (+3.8%) 1.30% +0.003 pp 0.56% +0.047 pp USD10.20 +65.9% 9 qtrs
7 ALLIANCEBERNSTEIN L.P. 36.5K +36.5K (+100.0%) 618.1K +618.1K (+100.0%) 0.97% +0.965 pp 0.00% +0.000 pp USD16.92 +0.0% 1 qtrs NEW
8 GEODE CAPITAL MANAGEMENT, LLC 35.9K -1.8K (-4.8%) 607.3K -8.9K (-1.4%) 0.95% -0.045 pp 0.00% +0.000 pp USD10.93 +54.8% 9 qtrs
9 CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC. 25.9K +1.1K (+4.5%) 439.0K +38.0K (+9.5%) 0.69% +0.031 pp 0.00% +0.000 pp USD11.43 +48.0% 9 qtrs
10 RENAISSANCE TECHNOLOGIES LLC 23.9K +— (+0.0%) 404.4K +14.8K (+3.8%) 0.63% +0.001 pp 0.00% +0.000 pp USD12.01 +40.9% 8 qtrs
11 STATE STREET CORP 11.6K +— (+0.0%) 196.3K +6.6K (+3.5%) 0.31% +0.001 pp 0.00% +0.000 pp USD14.96 +13.1% 5 qtrs
12 BLACKROCK, INC. 9.1K +366.0 (+4.2%) 153.3K +12.6K (+9.0%) 0.24% +0.010 pp 0.00% +0.000 pp USD12.85 +31.7% 6 qtrs
13 FARMERS & MERCHANTS INVESTMENTS INC 1.8K +— (+0.0%) 31.0K +1.0K (+3.5%) 0.05% +0.000 pp 0.00% +0.000 pp USD14.96 +13.1% 5 qtrs
14 BANK OF AMERICA CORP /DE/ 8.00 +— (+0.0%) 135.00 +6.0 (+4.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.00 +41.0% 9 qtrs
15 UBS GROUP AG 5.00 +5.0 (+100.0%) 85.00 +85.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD16.80 +0.7% 1 qtrs NEW
16 M3F, INC. -42.3K (-100.0%) -684.0K (-100.0%) 0.00% -1.114 pp 0.00% -0.194 pp USD 9 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 13 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 State Street SPDR S&P Emerging Markets Small Cap ETF EWX 0.05% 323.9K 0.65%
2 iShares Micro-Cap ETF IWC 0.01% 222.2K 0.60%
3 Vanguard Extended Market ETF VXF 0.00% 739.4K 0.05%
4 Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO 0.00% 854.67 0.17%
5 Vanguard U.S. Total Market Shares Index ETF VTS.AX 0.00% 4.2K 0.03%
6 Vanguard U.S. Total Market Index ETF VUN.TO 0.00% 11.6K 0.17%
7 Vanguard Total Stock Market ETF VTI 0.00% 1.98M 0.03%
8 Vanguard All-Equity ETF Portfolio VEQT.TO 0.00% 4.3K 0.22%
9 Vanguard Growth ETF Portfolio VGRO.TO 0.00% 2.4K 0.22%
10 Vanguard Balanced ETF Portfolio VBAL.TO 0.00% 953.05 0.22%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-05-27 Garness Daniel R Officer A-Award A Stock Options 15,000 14.61 219.2K 15,000 D
2025-05-20 Garness Daniel R Officer Common Stock 0 0.00 0 D
2025-01-10 Wiemers Kenneth W. Officer A-Award A Stock Options 20,000 14.79 295.8K 20,000 D
2025-01-10 Kunzman Steven D. Director / Officer A-Award A Stock Options 50,000 14.79 739.5K 50,000 D
2025-01-10 Kool Bradley M. Officer A-Award A Stock Options 20,000 14.79 295.8K 20,000 D
2025-01-10 Harris Lisa A. Officer A-Award A Stock Options 30,000 14.79 443.7K 30,000 D
2025-01-10 Haecker Kurt A. Officer A-Award A Stock Options 30,000 14.79 443.7K 30,000 D
2024-11-27 Stump Joseph P. Director A-Award A Common Stock 8,261 0.00 35,761 D
2024-11-27 Slater Tamara L. Director A-Award A Stock Options 20,654 14.40 297.4K 20,654 D
2024-11-27 Schneider Steven G. Director A-Award A Common Stock 8,261 0.00 33,261 D
2024-11-27 Rerucha Russell R. Director A-Award A Stock Options 20,654 14.40 297.4K 20,654 D
2024-11-27 Oltean William D. Director A-Award A Common Stock 8,261 0.00 43,261 D
2024-11-27 Naranjo Daniel D. Director A-Award A Common Stock 8,261 0.00 23,261 D

Executive team

Top executives
EBIT / Employee
70.3K
Shares Outstanding
4.21M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Steven D. Kunzman Chairman of the Board of Directors, Former President and Chief Executive Officer 241.5K 1.9K 369.8K 290.2K 118.6K 36.8K 1.06M 62.33%
2 2025 Kurt A. Haecker Executive Vice President and Chief Lending Officer 186.9K 1.9K 258.8K 174.1K 92.3K 13.6K 727.6K 59.51%
3 2025 Lisa A. Harris Executive Vice President and Chief Operating Officer 153.2K 3.8K 258.8K 174.1K 74.7K 11.2K 675.5K 64.09%
4 2024 Steven D. Kunzman Chairman of the Board of Directors, President and Chief Executive Officer 230.1K 1.9K 123.0K 30.1K 385.0K 0.00%
5 2024 Steven D. Kunzman Chairman of the Board of Directors, Former President and Chief Executive Officer 230.1K 1.9K 123.0K 30.1K 385.0K 0.00%
6 2024 Kurt A. Haecker Executive Vice President and Chief Lending Officer 178.3K 1.9K 95.7K 6.8K 282.8K 0.00%
7 2024 Lisa A. Harris Executive Vice President and Chief Operating Officer 146.1K 2.6K 77.4K 5.4K 231.6K 0.00%
8 2023 Steven D. Kunzman Chairman of the Board of Directors, President and Chief Executive Officer 221.9K 2.0K 81.3K 22.7K 327.8K 0.00%
9 2023 Kurt A. Haecker Executive Vice President and Chief Lending Officer 171.6K 2.0K 63.8K 13.2K 250.6K 0.00%
10 2023 Lisa A. Harris Executive Vice President and Chief Operating Officer 141.1K 3.3K 52.0K 3.8K 200.2K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2025-07-25 DEF 14A
2024-10-24 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-06-18 10-K
2026-05-20 SC 13D/A
2026-05-20 DFAN14A
2026-02-13 SC 13G
2026-02-11 10-Q
2025-11-13 10-Q
2025-08-28 8-K
2025-08-12 10-Q
2025-07-25 DEF 14A
2025-07-23 8-K

Executive team

NameTitleCompensationGender
Kurt A. Haecker Executive Vice President & Chief Lending Officer 294.6K male
Lisa A. Harris Executive Vice President, Chief Operating Officer & Corporate Secretary 242.8K female
Bradley Kool First Vice President & Chief Financial Officer male
Dannel R. Garness President & Chief Executive Officer male
Kenneth Wiemers EVP & Chief Sales Officer male
ESG Rating
B
SHELL COMPANIES
Rank: 490 out of 769
2025
E (Environmental)
76.4 / 63.7
Company / Sector avg.
S (Social)
75.9 / 62.9
Company / Sector avg.
G (Governance)
71.3 / 62.8
Company / Sector avg.
ESG Total
74.5 / 63.2
Company / Sector avg.
ESG Score History SHELL COMPANIES
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits