CPBI
Central Plains Bancshares, Inc.16.47
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
69.39MP/E (TTM)
17.16Basic EPS (TTM)
0.96Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
Central Plains Bancshares filed its Q3 10-Q for the period ended September 30, 2025, but the document provides only cover page details without consolidated financial statements, MD&A, or key metrics like revenue, EPS, or cash flows. No topline, profitability, liquidity, or segment data appears in the provided filing. Non-GAAP metrics not disclosed in the 10-Q. Balance sheet and income details absent. Competition pressures local banking margins.
8-K
Annual meeting elects directors
Central Plains Bancshares, Inc. held its Annual Meeting of Stockholders on August 26, 2025, electing William D. Oltean and Tamara L. Slater to three-year board terms with strong support—1.89 million and 1.89 million votes for, respectively, against 177,230 and 183,761 withheld. Shareholders ratified Plante & Moran, PLLC as independent auditors for the year ending March 31, 2026, with 2.66 million votes in favor versus 92,469 against. No surprises here. Broker non-votes totaled 682,778 for director elections.
10-Q
Q2 FY2025 results
Central Plains Bancshares filed its 10-Q for the quarter ended June 30, 2025, but the document provided lacks the consolidated financial statements, MD&A, and notes needed for analysis. Without access to revenue, profitability, or balance sheet figures, key metrics like y/y or q/q changes in earnings or liquidity cannot be assessed. Non-GAAP metrics are not disclosed in the 10-Q. The filing confirms the company as an emerging growth company with 4,219,323 common shares outstanding as of August 12, 2025. No material M&A, debt details, or regulatory updates appear in the visible sections. Central Plains faces risks from interest rate volatility in banking.
8-K
Execs' change-in-control extended
Central Plains Bancshares extended the change-in-control agreements for two key executives at its subsidiary Home Federal Savings and Loan Association—Lisa Harris, EVP and COO, and Kurt Haecker, EVP and Chief Lending Officer—pushing expiration to October 24, 2028, effective July 22, 2025. No other modifications were made. This secures executive retention amid potential ownership shifts. Agreements unchanged otherwise.
10-K
FY2025 results
Central Plains Bancshares wrapped FY2025 with assets climbing 9.8% to $508.7 million, fueled by a 10.9% deposit surge to $416.2 million that outpaced the 5.8% loan portfolio growth to $402.2 million; yet net income dipped 2.8% to $3.7 million as non-interest expenses jumped 14.1% on hiring and public company costs. Q4 momentum shone through agriculture loans exploding 117.5% y/y to $42.8 million, driving overall loan expansion, while net interest margin edged up 20 basis points to 3.56% amid higher yields on fixed-rate residential mortgages. Commercial real estate held steady at 29.9% of loans, but non-performing assets ticked up to 0.36% from 0.17%, signaling mild quarterly deterioration. Liquidity remains robust with $28.7 million in cash equivalents and $45.5 million borrowing capacity, supporting no dividends or buybacks beyond the initial 28,139 shares repurchased. No annual guidance disclosed in the 10-K. Rising interest rates could squeeze margins further.
IPO
Employees
Sector
Industry
CFBK
CF Bankshares Inc.
24.36+0.43
CPF
Central Pacific Financial Corp
32.61+0.05
CSBB
CSB Bancorp, Inc.
54.00+2.50
CWBC
Community West Bancshares
24.06-0.14
FBSI
First Bancshares, Inc.
33.57+1.57
HBCP
Home Bancorp, Inc.
60.75-0.03
HOMB
Home BancShares, Inc.
28.70-0.05
NWBI
Northwest Bancshares, Inc.
12.71-0.07
SFBS
ServisFirst Bancshares, Inc.
74.76+1.00
SPFI
South Plains Financial, Inc.
40.90-0.21