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Central Plains BancsharesCPBI -1.54%35 Return-on-Tangible-Equity is 4.34% as of Mar. 2026, which is 6% below its 10-year median of 4.60. GuruFocus rates CPBI with a GF Scoreâ„¢ of 35/100 and a GF Valueâ„¢ of $17.03 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, Central Plains Bancshares ranks worse than 85.05% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Central Plains Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $3.82 Mil. Central Plains Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $87.96 Mil. Therefore, Central Plains Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.34%.
The historical rank and industry rank for Central Plains Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CPBI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.31 Med: 4.6 Max: 6.48
Current: 4.66
During the past 4 years, Central Plains Bancshares's highest Return-on-Tangible-Equity was 6.48%. The lowest was 4.31%. And the median was 4.60%.
CPBI's Return-on-Tangible-Equity is ranked worse than 85.05% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs CPBI: 4.66
Central Plains Bancshares (NAS:CPBI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Central Plains Bancshares Return-on-Tangible-Equity Related Terms
Central Plains Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Central Plains Bancshares's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
CPBI vs CYFL, PBKX, REDW: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Central Plains Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Central Plains Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Central Plains Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.34% mean?
Central Plains Bancshares (CPBI) has a Return-on-Tangible-Equity of 4.34% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Central Plains Bancshares and its competitors. This is near median its historical median of 4.60. Over the past decade, Central Plains Bancshares' Return-on-Tangible-Equity has ranged from 4.31 to 6.48. According to the industry distribution chart, Central Plains Bancshares ranks #1291 out of 1518 companies in the Banks industry, placing it in the top 85%.
Is Central Plains Bancshares' Return-on-Tangible-Equity too high?
Central Plains Bancshares' current Return-on-Tangible-Equity of 4.34% is near median its 10-year median of 4.60. Over the past 10 years, this metric has ranged from a low of 4.31 to a high of 6.48. The Banks industry median Return-on-Tangible-Equity is 11.27. Central Plains Bancshares' value of 4.34% is 61.5% below this industry median. Based on the distribution chart, Central Plains Bancshares ranks #1291 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Central Plains Bancshares has a GF Scoreâ„¢ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Plains Bancshares' Return-on-Tangible-Equity compare to CYFL and PBKX?
According to the Banks industry distribution chart, Central Plains Bancshares ranks #1291 out of 1518 companies for Return-on-Tangible-Equity. This places Central Plains Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.27. Central Plains Bancshares' value of 4.34% is 61.5% below this benchmark. Historically, Central Plains Bancshares' own Return-on-Tangible-Equity has ranged from 4.31 to 6.48 over the past decade. While the company's 10-year median is 4.60 vs. the industry median of 11.27, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.27, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Plains Bancshares's current Return-on-Tangible-Equity of 4.34% is 61.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Central Plains Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Plains Bancshares's current Return-on-Tangible-Equity is 4.34%, which is near median its own 10-year median of 4.60. 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 Return-on-Tangible-Equity is 4.34%, which is near median its 10-year median of 4.60 and 61.5% below the Banks industry median of 11.27. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Central Plains Bancshares (CPBI), the current Return-on-Tangible-Equity is 4.34% 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:
Return-on-Tangible-Equity: 4.34% (near median its 10-year median of 4.60)
GF Value™: $17.03 vs. price of $19.80 (16.3% above fair value)
Industry Position: 61.5% below the Banks median (#1291 of 1518)
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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