CPBI (Central Plains Bancshares) Owner Earnings per Share (TTM): (As of Jun. 2026)

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CPBI Central Plains Bancshares Inc CPBI
35 GF Score
Price $20.96
GF Value $17.58
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Central Plains Bancshares Owner Earnings per Share (TTM)?

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Central Plains Bancshares does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.


The historical rank and industry rank for Central Plains Bancshares's Owner Earnings per Share (TTM) or its related term are showing as below:



CPBI's Price-to-Owner-Earnings is not ranked *
in the Banks industry.
Industry Median: 10.55
* Ranked among companies with meaningful Price-to-Owner-Earnings only.

Central Plains Bancshares's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was $0.39. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.18. It's PE Ratio (TTM) ratio for today is 17.76.

Central Plains Bancshares's EPS without NRI for the three months ended in Jun. 2026 was $0.39. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $1.18. It's PE Ratio without NRI ratio for today is 17.78.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Central Plains Bancshares Owner Earnings per Share (TTM) Related Terms


Central Plains Bancshares Owner Earnings per Share (TTM) Historical Data

* Premium members only.

The historical data trend for Central Plains Bancshares's Owner Earnings per Share (TTM) can be seen below:

* 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 Owner Earnings per Share (TTM) Chart

Central Plains Bancshares Annual Data
Trend Mar23 Mar24 Mar25 Mar26
Owner Earnings per Share (TTM)
0.00 0.00 0.00 0.00

Central Plains Bancshares Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Owner Earnings per Share (TTM) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

CPBI vs JUVF, CZNL, SOBS: Owner Earnings per Share (TTM) Comparison

For the Banks - Regional subindustry, Central Plains Bancshares's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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 Price-to-Owner-Earnings vs Banks Industry

For the Banks industry and Financial Services sector, Central Plains Bancshares's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Central Plains Bancshares's Price-to-Owner-Earnings falls into.


CPBI
35GF Score
Central Plains Bancshares Inc CPBI
Owner Earnings per Share (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Central Plains Bancshares Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Central Plains Bancshares does not have enough data to calculate Owner Earnings per Share (TTM). Please check Wal-Mart Stores Inc, as your reference.

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 $20.96 is trading 19.2% above its estimated GF Value™ of $17.58. GuruFocus considers Central Plains Bancshares to be Modestly Overvalued.

Key valuation signals for CPBI:

  • Owner Earnings per Share (TTM):
  • GF Value™: $17.58 vs. price of $20.96 (19.2% above fair value)
  • GF Score™: 35/100 with 4 warning signs

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 Business Description

Address 221 South Locust Street, Grand Island, NE, USA, 68801
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

Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.96
Price
$17.58
GF Value