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Central Plains Bancshares, Inc. (CPBI)

Nasdaq: CPBI · Savings Institution, Federally Chartered · Grand Island, NE · filing with the SEC since 2023
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Grade5.6
◀ Past 6.0● Present 4.8▶ Future 6.3
1 est.
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The grade of Central Plains Bancshares, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.6/10
◀ Past6.040% of the headline
● Present4.835% of the headline
▶ Future6.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.7/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 45% of this tense · 87th percentile among 34 sector filers · read for itself

From the record

Central Plains Bancshares, Inc.'s filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.6/10

What has it actually done, year after year?

+19.7% a year over 4 filed years; profitable in 4 of 4.

weight 22% of this tense · 86th percentile among 30 sector filers · read for its customers

From the record

Central Plains Bancshares, Inc.'s 4 filed years say what it did: revenue went from $16 million in fiscal 2023 to $28 million in fiscal 2026, up 19.7% a year; it rose in 3 of 3 years; it never fell from a peak; net income was positive in 4 of 4 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span19.7%top 8% of its family
  • the share of years revenue rosetop 8% of its family
  • the share of filed years with a profittop 30% of its family
  • the deepest fall from a revenue peak0.0%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
0.5/10

How has it treated the people who own it?

Share count grew 49.0% a year. 6% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 5th percentile among 31 sector filers · read for its shareholders

From the record

Over the 2 fiscal years to 2026-03-31, Central Plains Bancshares, Inc.'s diluted share count grew about 49.0% a year, and dividends and buybacks returned about 6% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 2% of its family
  • cash returned against operating cash flowbottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.8/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.2/10

Is it financially healthy right now?

ROE 4%: 4¢ of profit per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar.

weight 45% of this tense · 52nd percentile among 33 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2026-03-31, Central Plains Bancshares, Inc. earned about 4 cents of profit for every dollar of shareholders' money. Leverage: it owed about 84 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 23% of its family
  • return on equitybottom 32% of its family
  • the share count against the year beforebottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.3/10

How strong is its position in its industry?

bottom 44% of 31 in its family; net margin 14.5%.

weight 33% of this tense · 44th percentile among 31 sector filers · read for its customers

From the record

Central Plains Bancshares, Inc.'s standing among 31 graded names in its industry family: revenue of $28 million in fiscal 2026 ranks in the bottom 18% by size; a net margin of 14.5% ranks in the bottom 44%; revenue growth of 19.7% a year over the last 3 filed years ranks in the top 31% (its annual reports).

What it rests on

  • revenue against the family$27.7Mbottom 18% of its family
  • net margin14.5%bottom 44% of its family
  • three-year revenue growth19.7%top 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
4.5/10

What are the people in charge doing?

SI estimate 4.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 29 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 29 members with one.
What the record cannot read
Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title.
How it was reasoned
family median, 29 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Central Plains Bancshares, Inc.'s leadership is put at 4.5 of 10 with a confidence of 20 of 100, because fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 29 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.3/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.5/10

How much room does it have to grow?

top 35% of 25 in its family for room to expand.

weight 33% of this tense · 65th percentile among 25 sector filers · read for itself

From the record

Central Plains Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2026): cash of $30 million against no long-term debt tagged leaves 5.4% of its assets as net cash, top 37% of its family; cash from operations less capital spending is 21% of revenue (top 32%) (its annual report).

What it rests on

  • cash less debt against assets5.4%top 37% of its family
  • cash from operations less capital spending against revenue21.0%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.2/10

What could actually drive growth from here?

top 38% of 30 in its family for growth drivers.

weight 33% of this tense · 62nd percentile among 30 sector filers · read for its customers

From the record

Central Plains Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2026: revenue grew 19.7% a year over the last three filed years against 19.7% over all 4, speeding up (bottom 27% of its family); the newest year grew 12% (top 25%); capital spending grew 42.6% a year (top 16%) (its annual reports). Central Plains Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yearbottom 27% of its family
  • the newest year's revenue growth12.0%top 25% of its family
  • three-year growth of capital spending42.6%top 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.3/10

Did its newest year beat what its own record pointed to?

top 37% of 29 in its family for expectations against reality.

weight 33% of this tense · 63rd percentile among 29 sector filers · read for its shareholders

From the record

Central Plains Bancshares, Inc.'s newest year against its own record: revenue of $28 million in fiscal 2026 came in 9.5% below the $31 million its prior three years' pace pointed to (top 36% of its family); net income of $4 million against a prior three-year average of $3 million (top 43%); a net margin of 14.5% against 14.3% before (top 33%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-9.5%top 36% of its family
  • net income against the prior three years' average+33%top 43% of its family
  • net margin against its prior average+0.2 pointstop 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CPBI · research, not advice