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Central Plains Bancshares, Inc. (CPBI) vs FIRST US BANCSH (FUSB)

Central Plains Bancshares, Inc. and FIRST US BANCSH are both Banks Regional companies. Central Plains Bancshares, Inc. and FIRST US BANCSH are of similar size ($86.8M and $84.5M). FIRST US BANCSH trades at the lower P/E: 11.9× against 17.5×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 3.13%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs 12.2%) and the lower return on invested capital (6.28% vs 15.4%). Across the 16 metrics below, Central Plains Bancshares, Inc. leads on 9 and FIRST US BANCSH on 7.

Valuation

Metric CPBI FUSB Banks Regional median
P/E 17.48 11.88 12.02
P/S 2.51 1.39 2.36
P/B 0.87 0.92 1.23
Price to free cash flow 12.38 8.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.72% 8.41% 8.21%
Free cash flow yield 8.08% 11.56% 9.23%

Profitability

Metric CPBI FUSB Banks Regional median
Gross margin 70.23% 65.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.33% 12.15% 18.82%
Free cash flow margin 20.28% 17.36% 17.97%
Return on equity 5.15% 7.75% 10.28%
Return on assets 0.85% 0.67% 1.13%
Return on invested capital 6.28% 15.39% 8.45%

Growth

Metric CPBI FUSB Banks Regional median
Revenue growth (TTM) 12.14% 3.13% 6.37%
EPS growth (last fiscal year) 9.38% (24.81%) 18.85%
Revenue growth, 5-year CAGR — 6.78% 12.65%
Net income growth, 5-year CAGR — 17.22% 9.81%

Health

Metric CPBI FUSB Banks Regional median
Debt to equity 0.00 0.11 0.17
Current ratio 1.02 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPBI FUSB Banks Regional median
Dividend yield — 1.71% 2.49%
Payout ratio — 0.21 0.29

Size

Metric CPBI FUSB Banks Regional median
Market cap 86.82m 84.47m 934.85m

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