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Central Plains Bancshares, Inc. (CPBI) vs Fifth District Bancorp, Inc. (FDSB)

Central Plains Bancshares, Inc. and Fifth District Bancorp, Inc. are both Banks Regional companies. Central Plains Bancshares, Inc. and Fifth District Bancorp, Inc. are of similar size ($88.4M and $82.6M). Central Plains Bancshares, Inc. trades at the lower P/E: 16.8× against 49.7×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against −6.98%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs 6.97%) and the higher return on invested capital (6.28% vs 1.10%). Across the 16 metrics below, Central Plains Bancshares, Inc. leads on 13 and Fifth District Bancorp, Inc. on 3.

Valuation

Metric CPBI FDSB Banks Regional median
P/E 16.81 49.71 11.98
P/S 2.41 3.47 2.34
P/B 0.84 0.64 1.19
Price to free cash flow 11.90 65.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.95% 2.01% 8.23%
Free cash flow yield 8.40% 1.53% 9.08%

Profitability

Metric CPBI FDSB Banks Regional median
Gross margin 70.23% 62.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.33% 6.97% 18.66%
Free cash flow margin 20.28% 5.31% 21.11%
Return on equity 5.15% 1.27% 10.65%
Return on assets 0.85% 0.31% 1.13%
Return on invested capital 6.28% 1.10% 8.35%

Growth

Metric CPBI FDSB Banks Regional median
Revenue growth (TTM) 12.14% (6.98%) 6.98%
EPS growth (last fiscal year) 9.38% 480.95% 18.88%
Revenue growth, 5-year CAGR — — 12.38%
Net income growth, 5-year CAGR — — 9.71%

Health

Metric CPBI FDSB Banks Regional median
Debt to equity 0.00 0.05 0.22
Current ratio 1.02 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPBI FDSB Banks Regional median
Dividend yield — — 2.57%
Payout ratio — — 0.30

Size

Metric CPBI FDSB Banks Regional median
Market cap 82.57m 88.43m 913.33m

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