Central Plains Bancshares, Inc. (CPBI) vs NSTS Bancorp, Inc. (NSTS)

Central Plains Bancshares, Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. Central Plains Bancshares, Inc. is the larger, with a market value of $83.9M against $74.1M — 1.1× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Central Plains Bancshares, Inc. trades at 16.6×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 7.00%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs −0.31%) and the higher return on invested capital (6.28% vs −0.09%). Across the 15 metrics below, Central Plains Bancshares, Inc. leads on 9 and NSTS Bancorp, Inc. on 6.

Valuation

Metric CPBI NSTS Banks Regional median
P/E 16.64 n/m 12.15
P/S 2.39 4.99 2.37
P/B 0.83 0.87 1.21
Price to free cash flow 11.78 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.56 1.48 2.27
Earnings yield 6.01% (0.06%) 8.11%
Free cash flow yield 8.49% 22.83% 8.98%

Profitability

Metric CPBI NSTS Banks Regional median
Gross margin 70.23% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.33% (0.31%) 18.66%
Free cash flow margin 20.28% 113.89% 21.18%
Return on equity 5.15% (0.05%) 10.64%
Return on assets 0.85% (0.02%) 1.13%
Return on invested capital 6.28% (0.09%) 8.33%

Growth

Metric CPBI NSTS Banks Regional median
Revenue growth (TTM) 12.14% 7.00% 6.61%
EPS growth (last fiscal year) 9.38% 50.00% —
Revenue growth, 5-year CAGR — 11.74% 12.30%
Net income growth, 5-year CAGR — 0.00% 9.71%

Health

Metric CPBI NSTS Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 1.02 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPBI NSTS Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric CPBI NSTS Banks Regional median
Market cap 83.86m 74.12m 921.07m

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