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 PB Ratio is 0.93 as of Jul. 26, 2026, which is 22% above its 10-year median of 0.76. 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 1,516 Banks companies, Central Plains Bancshares ranks better than 66.16% on this metric.
Central Plains Bancshares Inc stock PB Ratio (=0.93) is close to 2-year high of 0.95.
The historical rank and industry rank for Central Plains Bancshares's PB Ratio or its related term are showing as below:
CPBI'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.76 Max: 1.1
Current: 0.93
During the past 4 years, Central Plains Bancshares's highest PB Ratio was 1.10. The lowest was 0.53. And the median was 0.76.
CPBI's PB Ratio is ranked better than 66.16% of 1516
companies
in the Banks industry
Industry Median: 1.12
vs CPBI: 0.93
During the past 12 months, Central Plains Bancshares's average Book Value Per Share Growth Rate was 7.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 31.30% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Central Plains Bancshares was 31.30% per year. The lowest was 31.30% per year. And the median was 31.30% per year.
Back to Basics: PB Ratio
Central Plains Bancshares (NAS:CPBI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Central Plains Bancshares PB Ratio Related Terms
Central Plains Bancshares PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Central Plains Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Central Plains Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Central Plains Bancshares (CPBI) has a PB Ratio of 0.93 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Central Plains Bancshares and its competitors. This is 22% above median its historical median of 0.76. Over the past decade, Central Plains Bancshares' PB Ratio has ranged from 0.53 to 1.10. According to the industry distribution chart, Central Plains Bancshares ranks #513 out of 1516 companies in the Banks industry, placing it in the top 33.8%.
Is Central Plains Bancshares' PB Ratio too high?
Central Plains Bancshares' current PB Ratio of 0.93 is 22% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.10. The Banks industry median PB Ratio is 1.12. Central Plains Bancshares' value of 0.93 is 17% below this industry median. Based on the distribution chart, Central Plains Bancshares ranks #513 out of 1516 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' PB Ratio compare to CYFL and PBKX?
According to the Banks industry distribution chart, Central Plains Bancshares ranks #513 out of 1516 companies for PB Ratio. This puts Central Plains Bancshares in the upper half of its industry. The industry median PB Ratio is 1.12. Central Plains Bancshares' value of 0.93 is 17% below this benchmark. Historically, Central Plains Bancshares' own PB Ratio has ranged from 0.53 to 1.10 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Plains Bancshares's current PB Ratio of 0.93 is 17% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Central Plains Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Plains Bancshares's current PB Ratio is 0.93, which is 22% above median its own 10-year median of 0.76. 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 PB Ratio is 0.93, which is 22% above median its 10-year median of 0.76 and 17% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Central Plains Bancshares (CPBI), the current PB Ratio is 0.93 as of Jul. 26, 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:
PB Ratio: 0.93 (22% above median its 10-year median of 0.76)
GF Value™: $17.03 vs. price of $19.80 (16.3% above fair value)
Industry Position: 17% below the Banks median (#513 of 1516)
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
PB Ratio 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 
