Central Plains Bancshares, Inc. Common Stock (CPBI) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-68.2%

$6.61

vs $20.75 price

Levered DCF

$12.45

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

0.49

Distress zone

Rating

B-

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
P/E	16.14×	15.54×	9.32×	20.22×	10.58×
P/B	0.73×	0.68×	0.45×	0.87×	0.87×
P/S	2.14×	2.08×	1.47×	1.82×	2.14×
EV / EBITDA	9.67×	5.67×	4.64×	6.86×	7.9×
Gross margin	69.5%	69.2%	72.4%	69.5%	93.8%
Operating margin	16.5%	16.6%	19.5%	10.7%	23.9%
Net margin	13.2%	13.4%	15.8%	8.9%	20.1%
Current ratio	1,703.58×	0×	0.2×	88.59×	0.08×
Debt / equity	0×	0×	0×	0×	0×
Interest coverage	0.56×	0.55×	0.71×	0.72×	3.47×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Return on equity	4.5%	4.4%	4.8%	4.3%	8.2%
Return on invested capital	4.7%	0.0%	19.3%	0.4%	-1.3%
Return on assets	0.7%	0.7%	0.8%	0.4%	0.8%
Free cash flow yield	9.0%	-5.4%	9.8%	12.5%	12.0%
Earnings yield	6.2%	6.4%	10.7%	4.9%	9.4%
Enterprise value	$57.6M	$28.2M	$23.9M	$16.9M	$33.5M
Net debt / EBITDA	-1.22×	-5.76×	-2.16×	-6.72×	0×
Cash conversion cycle (days)	-29	-33	-182	6,722	0