Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Central Plains BancsharesCPBI -1.54%35 FCF Margin % is 65.17% as of Mar. 2026, which is 225% above its 10-year median of 20.07. GuruFocus rates CPBI with a GF Score™ of 35/100 and a GF Value™ of $17.03 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,499 Banks companies, Central Plains Bancshares ranks better than 51.83% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Central Plains Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Central Plains Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 65.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Central Plains Bancshares and its competitors. This is 225% above median its historical median of 20.07. According to the industry distribution chart, Central Plains Bancshares ranks #722 out of 1499 companies in the Banks industry, placing it in the top 48.2%.
Is Central Plains Bancshares' FCF Margin % too high?
Central Plains Bancshares' current FCF Margin % of 65.17% is 225% above median its 10-year median of 20.07. The Banks industry median FCF Margin % is 26.45. Central Plains Bancshares' value of 65.17% is 146.4% above this industry median. Based on the distribution chart, Central Plains Bancshares ranks #722 out of 1499 companies in the Banks industry, which is above 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' FCF Margin % compare to CYFL and PBKX?
According to the Banks industry distribution chart, Central Plains Bancshares ranks #722 out of 1499 companies for FCF Margin %. This puts Central Plains Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.45. Central Plains Bancshares' value of 65.17% is 146.4% above this benchmark. While the company's 10-year median is 20.07 vs. the industry median of 26.45, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.45, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Plains Bancshares's current FCF Margin % of 65.17% is 146.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Central Plains Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Plains Bancshares's current FCF Margin % is 65.17%, which is 225% above median its own 10-year median of 20.07. 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 $17.03, compared to a current price of $19.80 — trading 16.3% above its estimated fair value. The current FCF Margin % is 65.17%, which is 225% above median its 10-year median of 20.07 and 146.4% above the Banks industry median of 26.45. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Central Plains Bancshares (CPBI), the current FCF Margin % is 65.17% as of Mar. 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 $19.80 is trading 16.3% above its estimated GF Value™ of $17.03.
GuruFocus considers Central Plains Bancshares to be Modestly Overvalued.
Key valuation signals for CPBI:
FCF Margin %: 65.17% (225% above median its 10-year median of 20.07)
GF Value™: $17.03 vs. price of $19.80 (16.3% above fair value)
Industry Position: 146.4% above the Banks median (#722 of 1499)
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.
35GF Score
Get the complete analysis for CPBI
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CPBI has been successfully added to your 
