Central Plains Bancshares, Inc. (CPBI) Fair Value 2026

CPBI · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Central Plains Bancshares, Inc. (CPBI) trades at $20.94, versus a $11.90 median fair value across its 5 active models — 43.1% below the current price. QOC: 7.8/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
CPBI
Price
$20.94
Quality Score
7.8/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Central Plains Bancshares, Inc. (CPBI) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Central Plains Bancshares, Inc. (CPBI) appears overvalued as of : the median of 5 independent fair value estimates is $11.90, 43.1% below the current price of $20.94. Estimates range from $10.18 to $17.81. CPBI scores 7.8/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CPBI’s -43.1% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Central Plains Bancshares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CPBI?

5 Intrinsic Value Models vs. Current Price ($20.94)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $10.18 -51.4%
Ensemble · Medium Conviction
 $11.90 -43.1%
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What Is CPBI's Fair Value Range?

Spread across 5 independent models · $10.18 to $17.81

CirclFi's 5 active models place Central Plains Bancshares, Inc. (CPBI) between $10.18 and $17.81 per share, a spread of 64% of the median. The median of that range — $11.90 — is the fair value CirclFi publishes for CPBI, against a current price of $20.94.

Low · EPVHigh · FTNN
$10.18median $11.90$17.81
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$10.18
Most bullish modelFTNN Topology$17.81
Model agreement0 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CPBI, not a CirclFi price target. How each model works →

What Is Central Plains Bancshares, Inc. (CPBI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Central Plains Bancshares, Inc.'s intrinsic value is estimated at $11.90. Trading at its current price of $20.94, the valuation engine raises significant caution: 5 of 5 models flag downside risk, projecting a median implied return of -43.1%. Notably, FTNN sees the most upside at -14.9% (fair value: $17.81), while EPV is the most conservative at -51.4% ($10.18). The spread between these extremes — +36.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CPBI?

5 of 13 models are currently active for CPBI. All 5 active models suggest the stock trades above fair value. Taken together, their median fair value for CPBI is $11.90 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CPBI Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CPBI ranks #202 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Central Plains Bancshares, Inc.'s positioning within the Banks - Regional segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is CPBI a Value Trap?

CirclFi's Value Trap algorithm assigns CPBI a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Central Plains Bancshares, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Central Plains Bancshares, Inc. earns a quality score of 7.8/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +36.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CPBI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CPBI's 5 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Central Plains Bancshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

SFSTSouthern First Bancshares, Inc.QOC 7.9HFBLHome Federal Bancorp, Inc. of LouisianaQOC 7.8CCFNMuncy Columbia Financial CorporationQOC 7.9BPRNPrinceton Bancorp, Inc.QOC 7.8JUVFJuniata Valley Financial Corp.QOC 7.9BKUBankUnited, Inc.QOC 7.8CULLCullman Bancorp, Inc.QOC 7.2FCAPFirst Capital, Inc.QOC 8.7DCOMDime Commercial Bancshares, Inc.QOC 8.3ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: SFST · HFBL · CCFN · BPRN · JUVF · BKU · CULL · FCAP · DCOM · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CPBI?

7 companies across all industries closest to CPBI’s Quality of Company score of 7.8/10.

GPNGlobal Payments Inc.QOC 7.8MTNVail Resorts, Inc.QOC 7.8EMBCEmbecta Corp.QOC 7.8MUSAMurphy USA Inc.QOC 7.8DYNRDynaResource, Inc.QOC 7.8LZLegalZoom.com, Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GPN · MTN · EMBC · MUSA · DYNR · LZ · NVDA

Where Does CPBI Sit in CirclFi's Banks - Regional Rankings?

CPBI is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Central Plains Bancshares, Inc.’s Valuation?

What is Central Plains Bancshares, Inc.'s intrinsic value in 2026?

CirclFi puts Central Plains Bancshares, Inc. (CPBI)'s intrinsic value at $11.90 — the median of 5 independent model estimates as of 2026-08-27, ranging from $10.18 to $17.81. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CPBI overvalued or undervalued right now?

At $20.94, 0 of 5 active models suggest CPBI may be undervalued, while 5 indicate potential overvaluation. The median of all 5 fair value estimates is $11.90, 43.1% below the current price of $20.94 — a consensus view that CPBI is overvalued. The assessment depends on which methodology best fits Central Plains Bancshares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for CPBI?

Central Plains Bancshares, Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CPBI?

CirclFi analyzes CPBI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CPBI?

Of the 5 models currently active on CPBI, FTNN Topology is the most bullish at $17.81 per share, and Earnings Power Value (EPV) is the most bearish at $10.18. CirclFi's published fair value for CPBI is the median of that range, $11.90, not either extreme. The gap between the two ends equals 64% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CPBI a value trap in 2026?

Central Plains Bancshares, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Central Plains Bancshares, Inc. (CPBI) has a median fair value of $11.90 — 43.1% below the current price of $20.94 — as of 2026-08-27.” Source: circlfi.com/stock/CPBI/ · Methodology
Primary sources for this CPBI valuation
  • Financial statements: Central Plains Bancshares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001979332) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CPBI as of ; valuations recomputed .

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