Central Plains Bancshares, Inc. financial statements
Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data Central Plains Bancshares, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2024
FY2024
FY2025
FY2026
Interest expense
2.74
6.49
8.21
8.99
Pre-tax income
1.96
4.64
4.52
4.99
Income tax
0.32
0.88
0.87
0.99
Net income
1.65
3.76
3.65
4
EPS, basic
2.19
0.96
1.06
EPS, diluted
2.19
0.96
1.05
Shares, basic (weighted)
1.72
3.82
3.79
Shares, diluted (weighted)
1.72
3.82
3.81
Balance sheet
FY2024
FY2024
FY2025
FY2026
Cash and equivalents
16.6
11.5
28.7
29.9
Property, plant and equipment
4.1
5.87
12.9
12.8
Total assets
438
463
509
559
Total liabilities
399
385
425
470
Total debt
0
0
0
0
Paid-in capital
39.3
39.3
39.7
Retained earnings
43.8
47.1
50.7
54.4
Other comprehensive income
-5.11
-5.07
-3.62
-2.25
Shareholders' equity
38.7
78.3
83.3
89
Total equity
38.7
78.3
83.3
89
Total liabilities and equity
438
463
509
559
Shares outstanding
0
4.13
4.23
4.2
Cash flow statement
FY2024
FY2024
FY2025
FY2026
Net income
1.65
3.76
3.65
4
Depreciation and amortization
0.31
0.16
0.46
0.97
Stock-based compensation
0.19
0.76
Deferred income tax
0.08
0.05
0.26
0.11
Cash from operations
4.47
5.71
4.46
6.69
Capital expenditures
-0.3
-2.28
-7.53
-0.88
Purchases of investments
-11.6
-6.2
-10.4
Sales and maturities of investments
11.9
9.03
8.34
8.49
Cash from investing
-32.9
-31.2
-27.9
-49
Stock issued
39.4
Share buybacks
-0.41
-0.68
Cash from financing
26
20.3
40.7
43.5
Net change in cash
-2.42
-5.11
17.2
1.25
Free cash flow
4.17
3.43
-3.07
5.81
Interest paid
1.93
5.27
8.39
8.98
Income taxes paid
0.23
0.75
0.3
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $19.80 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
19.7%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
5.0%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.8%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
9.5%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
34.4%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
9.4%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
49.9%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
14.3%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 3y
11.7%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
6.8%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
32.0%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
9.8%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
8.5%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-0.1%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.00x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
0.0%
Total debt / total assets.
Liabilities / assets
83.9%
Total liabilities / total assets.
Net debt
-$34.4M
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
3.2%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$1.18
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$1.67
Free cash flow / diluted weighted shares.
Operating cash flow per share
$1.72
Cash from operations / diluted weighted shares.
Book value per share
$21.59
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Share buybacks / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$82.6M
Share price x shares outstanding.
Enterprise value
$48.2M
Market cap + total debt - cash - short-term investments.
P/E
18.3x
Market cap / net income. Only when net income is positive.
P/B
0.91x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.91x
Market cap / tangible book value, when positive.
P/FCF
13.0x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
12.5x
Market cap / cash from operations, when positive.
EV/FCF
7.56x
Enterprise value / free cash flow, when both are positive.
FCF yield
7.7%
Free cash flow / market cap.
Earnings yield
5.5%
Net income / market cap (the inverse of P/E).
Shareholder yield
0.9%
(Dividends paid + share buybacks) / market cap.
Was Central Plains Bancshares, Inc. profitable in fiscal 2026?
Yes. Net income was $4.0M, a net margin of -.
How much free cash flow did Central Plains Bancshares, Inc. generate in fiscal 2026?
Cash from operations of $6.7M minus capital expenditures of $878.0K left free cash flow of $5.8M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.