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Central Plains BancsharesCPBI 35 EV-to-OCF is 4.96 as of Sep. 09, 2026, which is 29% below its 10-year median of 6.95. GuruFocus rates CPBI with a GF Score™ of 35/100 and a GF Value™ of $17.71 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,487 Banks companies, Central Plains Bancshares ranks worse than 52.45% on this metric.
The historical rank and industry rank for Central Plains Bancshares's EV-to-OCF or its related term are showing as below:
CPBI'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.53 Med: 6.95 Max: 16.94
Current: 4.96
During the past 4 years, the highest EV-to-OCF of Central Plains Bancshares was 16.94. The lowest was 3.53. And the median was 6.95.
CPBI's EV-to-OCF is ranked worse than 52.45% of 1487
companies
in the Banks industry
Industry Median: 4.06
vs CPBI: 4.96
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Central Plains Bancshares (NAS:CPBI) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Central Plains Bancshares's PE Ratio (TTM) for today is calculated as:
Central Plains Bancshares's share price for today is $20.989.
Central Plains Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.180.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Central Plains Bancshares EV-to-OCF Related Terms
Central Plains Bancshares EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Central Plains Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Central Plains Bancshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Central Plains Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Central Plains Bancshares's EV-to-OCF falls into.
Central Plains Bancshares's current Enterprise Value is $32.67 Mil.
Central Plains Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.58 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Central Plains Bancshares (CPBI) has a EV-to-OCF of 4.96 as of Sep. 09, 2026. This is 29% below median its historical median of 6.95. Over the past decade, Central Plains Bancshares' EV-to-OCF has ranged from 3.53 to 16.94. According to the industry distribution chart, Central Plains Bancshares ranks #780 out of 1487 companies in the Banks industry, placing it in the top 52.5%.
Is Central Plains Bancshares' EV-to-OCF too high?
Central Plains Bancshares' current EV-to-OCF of 4.96 is 29% below median its 10-year median of 6.95. Over the past 10 years, this metric has ranged from a low of 3.53 to a high of 16.94. The Banks industry median EV-to-OCF is 4.06. Central Plains Bancshares' value of 4.96 is 22.2% above this industry median. Based on the distribution chart, Central Plains Bancshares ranks #780 out of 1487 companies in the Banks industry, which is below the industry midpoint. Overall, Central Plains Bancshares has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Plains Bancshares' EV-to-OCF compare to FBSI and FSEA?
According to the Banks industry distribution chart, Central Plains Bancshares ranks #780 out of 1487 companies for EV-to-OCF. This places Central Plains Bancshares in the lower half of its industry. The industry median EV-to-OCF is 4.06. Central Plains Bancshares' value of 4.96 is 22.2% above this benchmark. Historically, Central Plains Bancshares' own EV-to-OCF has ranged from 3.53 to 16.94 over the past decade. While the company's 10-year median is 6.95 vs. the industry median of 4.06, Central Plains Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.06, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Plains Bancshares's current EV-to-OCF of 4.96 is 22.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Plains Bancshares's current EV-to-OCF is 4.96, which is 29% below median its own 10-year median of 6.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Plains Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Central Plains Bancshares (CPBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.71, compared to a current price of $20.99 — trading 18.5% above its estimated fair value. The current EV-to-OCF is 4.96, which is 29% below median its 10-year median of 6.95 and 22.2% above the Banks industry median of 4.06. Central Plains Bancshares' overall GF Score™ is 35/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Central Plains Bancshares (CPBI), the current EV-to-OCF is 4.96 as of Sep. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Central Plains Bancshares (CPBI) Overvalued in 2026?
Based on GuruFocus' analysis, Central Plains Bancshares stock appears to be overvalued.
The current stock price of $20.99 is trading 18.5% above its estimated GF Value™ of $17.71.
GuruFocus considers Central Plains Bancshares to be Modestly Overvalued.
Key valuation signals for CPBI:
EV-to-OCF: 4.96 (29% below median its 10-year median of 6.95)
GF Value™: $17.71 vs. price of $20.99 (18.5% above fair value)
Industry Position: 22.2% above the Banks median (#780 of 1487)
No single metric tells the full story. See the CPBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Plains Bancshares Inc operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that provides mortgage, consumer, commercial real estate, and commercial loans. The bank business consists mainly of accepting deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in primary market area, as well as commercial real estate loans. The company's revenue is derived from the business of banking.
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