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Central Plains BancsharesCPBI -1.54%35 Net Margin % is 17.99% as of Mar. 2026, which is 7% below its 10-year median of 19.40. 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 1,522 Banks companies, Central Plains Bancshares ranks worse than 73.26% on this metric.
The historical rank and industry rank for Central Plains Bancshares's Net Margin % or its related term are showing as below:
CPBI'
s Net Margin % Range Over the Past 10 Years
Min: 18.98 Med: 19.4 Max: 22.02
Current: 18.98
CPBI's Net Margin % is ranked worse than 73.26% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs CPBI: 18.98
Central Plains Bancshares (NAS:CPBI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Central Plains Bancshares Net Margin % Related Terms
Central Plains Bancshares Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Central Plains Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Central Plains Bancshares's Net 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 Net Margin % of 17.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Central Plains Bancshares and its competitors. This is near median its historical median of 19.40. Over the past decade, Central Plains Bancshares' Net Margin % has ranged from 18.98 to 22.02. According to the industry distribution chart, Central Plains Bancshares ranks #1115 out of 1522 companies in the Banks industry, placing it in the top 73.3%.
Is Central Plains Bancshares' Net Margin % too high?
Central Plains Bancshares' current Net Margin % of 17.99% is near median its 10-year median of 19.40. Over the past 10 years, this metric has ranged from a low of 18.98 to a high of 22.02. The Banks industry median Net Margin % is 27.06. Central Plains Bancshares' value of 17.99% is 33.5% below this industry median. Based on the distribution chart, Central Plains Bancshares ranks #1115 out of 1522 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' Net Margin % compare to CYFL and PBKX?
According to the Banks industry distribution chart, Central Plains Bancshares ranks #1115 out of 1522 companies for Net Margin %. This places Central Plains Bancshares in the lower half of its industry. The industry median Net Margin % is 27.06. Central Plains Bancshares' value of 17.99% is 33.5% below this benchmark. Historically, Central Plains Bancshares' own Net Margin % has ranged from 18.98 to 22.02 over the past decade. While the company's 10-year median is 19.40 vs. the industry median of 27.06, Central Plains Bancshares has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Plains Bancshares's current Net Margin % of 17.99% is 33.5% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Central Plains Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Plains Bancshares's current Net Margin % is 17.99%, which is near median its own 10-year median of 19.40. 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 Net Margin % is 17.99%, which is near median its 10-year median of 19.40 and 33.5% below the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Central Plains Bancshares (CPBI), the current Net Margin % is 17.99% 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:
Net Margin %: 17.99% (near median its 10-year median of 19.40)
GF Value™: $17.03 vs. price of $19.80 (16.3% above fair value)
Industry Position: 33.5% below the Banks median (#1115 of 1522)
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
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