Central Plains Bancshares, Inc.(CPBI)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 16 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
CPBI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Central Plains Bancshares, Inc. (CPBI), a Financials sector company. CPBI is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 16 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q4 2026), Central Plains Bancshares, Inc. reports quarterly revenue of $5.4M, net income of $955.0K, free cash flow of $3.3M. Top institutional holders of CPBI by reported 13-F value include Stilwell Value, GRAHAM CAPITAL WEALTH MANAGEMENT,, Oppenheimer & Close,, based on the most recent SEC filings. CPBI trades on the Nasdaq exchange and files with the SEC under CIK 1979332. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CPBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Central Plains Bancshares, Inc. directly from SEC EDGAR.
Revenue
Q4 2026
$5.4M
Net Income
Q4 2026
$955.0K
Free Cash Flow
Q4 2026
$3.3M
ROIC
Q4 2026
1.3%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+9.5% YoYEPS (Diluted)
+9.4% YoYTotal Assets
+9.8% YoYOp. Cash Flow
+49.9% YoY| Metric | FY 2026 | FY 2025 |
|---|---|---|
| Net Income | $4.0M +9.5% | $3.7M |
| EPS (Diluted) | $1.05 +9.4% | $0.96 |
| Total Assets | $558.6M +9.8% | $508.7M |
| Operating Cash Flow | $6.7M +49.9% | $4.5M |
AI Insight: CPBI Financial Trends
Equity base grew 14% from Q1 2024 to Q1 2026, but profitability remains flat at $1M per quarter with volatile operating cash flow.
• Equity expanded from $78M (Q1 2024) to $89M (Q1 2026), a 14% increase over two years.
• Net income held steady at $1M per quarter across most periods, showing consistent but minimal earnings generation.
• Operating cash flow swung from $3M (Q1 2026) to negative $0M (Q2 2025), signaling inconsistent cash conversion.
⚠ Operating cash flow volatility—negative in Q2 2025—raises concerns about cash generation quality and working capital management.
⚠ Flat net income of $1M despite growing equity base suggests deteriorating return on equity.
AI Insight: CPBI Ratio Trends
Central Plains Bancshares profitability metrics remain depressed, with ROE and ROIC materially below 2024 levels and showing no recovery trend.
• ROE declined from 4.6% in Q1 2024 to 4.3% in Q1 2026, marking a 30bp contraction over two years.
• ROIC fell from 5.5% in Q1 2024 to 5.3% in Q1 2026, with Q1 2025 and Q3 2025 dipping to 5.1% and 5.2% respectively.
• ROA held flat at 0.7%–0.8% throughout the period, showing no improvement in asset productivity.
⚠ Q1 2025 and Q3 2025 showed material drops in ROE (4.1%) and ROIC (5.1%–5.2%), suggesting cyclical or operational headwinds.
⚠ Latest quarter (Q1 2026) shows slight recovery in ROE to 4.3%, but remains 30bp below early 2024 baseline.
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Available Research
13F Pro tracks comprehensive data for Central Plains Bancshares, Inc. including:
Top Institutional Holders of CPBI
Stilwell Value LLC
$6.3M366,901 shGRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$3.0M177,652 shOppenheimer & Close, LLC
$2.8M165,007 shMANGROVE PARTNERS IM, LLC
$2.7M158,097 shVANGUARD CAPITAL MANAGEMENT LLC
$2.6M153,775 shALLIANCEBERNSTEIN L.P.
$2.2M128,549 shMinerva Advisors LLC
$840.4K49,117 shGEODE CAPITAL MANAGEMENT, LLC
$619.2K36,173 shRENAISSANCE TECHNOLOGIES LLC
$408.9K23,900 shVANGUARD FIDUCIARY TRUST CO
$318.7K18,629 sh
| Fund | Value | Shares |
|---|---|---|
| Stilwell Value LLC | $6.3M | 366,901 |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $3.0M | 177,652 |
| Oppenheimer & Close, LLC | $2.8M | 165,007 |
| MANGROVE PARTNERS IM, LLC | $2.7M | 158,097 |
| VANGUARD CAPITAL MANAGEMENT LLC | $2.6M | 153,775 |
| ALLIANCEBERNSTEIN L.P. | $2.2M | 128,549 |
| Minerva Advisors LLC | $840.4K | 49,117 |
| GEODE CAPITAL MANAGEMENT, LLC | $619.2K | 36,173 |
| RENAISSANCE TECHNOLOGIES LLC | $408.9K | 23,900 |
| VANGUARD FIDUCIARY TRUST CO | $318.7K | 18,629 |
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Popular Research
Is CPBI a good stock to buy?
13F Pro's AI-powered analysis of Central Plains Bancshares, Inc. (CPBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CPBI are available on the CPBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CPBI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CPBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Central Plains Bancshares, Inc.'s investment landscape.