Central Plains Bancshares, Inc.

CPBINasdaq

Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕

Financials

SEC XBRL · annual

	FY25	FY24	FY23
Revenue	—	—	—
Operating income	—	—	—
Net income	$3.7M	$3.8M	$1.6M
Total assets	$508.7M	$463.3M	$437.8M
Total liabilities	$425.4M	$385.0M	$399.1M
Equity	$83.3M	$78.3M	$38.7M
EPS (diluted)	$0.96	$2.19	—
Shares out.	4.2M	4.1M	0

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025

Operating margin: —
Net margin: —
Return on equity: 4.4%
Return on assets: 0.7%
Return on capital (ROCE): —
Liabilities / assets: 83.6%
Debt / equity: 5.10×
Book value / share: $19.73
Revenue growth (YoY): —
Net income growth (YoY): −2.8%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025

Accruals / assets: −0.2%clean
Piotroski F-Score: 3/6weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score

/ 100

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 warning● 2 good

High leverage (liabilities > 70% of assets)
Positive operating cash flow
Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Stilwell JosephActivist (13D)May 20, 2026
Home Federal Savings & Loan Association Of Grand Island Employee Stock Ownership Plan TrustPassive (13G)Feb 13, 2026
M3 Partners LpPassive (13G)May 15, 2025

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly

Settlement	Shares short	Days to cover	Δ vs prior
May 15, 2026	9,413	4.0	+3.6%
Apr 30, 2026	9,084	3.5	+39.8%
Apr 15, 2026	6,500	4.1	+8.8%
Mar 31, 2026	5,975	1.2	-4.1%
Mar 13, 2026	6,230	1.4	+17.9%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

DFAN14AMay 20, 2026
SCHEDULE 13D/AMay 20, 2026
SCHEDULE 13GFeb 13, 2026
10-QFeb 11, 2026
10-QNov 13, 2025
8-KAug 28, 2025
10-QAug 12, 2025
DEF 14AJul 25, 2025
8-KJul 23, 2025
4FORM 4Jun 27, 2025
10-KJun 26, 2025
11-KCENTRAL PLAINS BANCSHARES, INC. FORM 11-K DECEMBER 31, 2024Jun 18, 2025
3FORM 3Jun 16, 2025
SCHEDULE 13D/AJun 11, 2025
SCHEDULE 13G/AMay 15, 2025

Event-driven situations (2)

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