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Why CPBI Stock Traded Steady Today — RQD Quant Desk Flash
$20.62 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $20.58
Central Plains Bancshares Inc. (CPBI) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C- • HOLD / WATCH
Cap $86.0M
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Click Any Pre-Computed AI Quant Specialist Briefing on CPBI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is CPBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-01, Central Plains Bancshares Inc. (NASDAQ: CPBI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $20.62 (0.00% 1D, market cap $86.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, CPBI ranks #475 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CPBI compare to FDSB and CLST in the Financials sector?
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Within the Financials sector (Savings Institutions), CPBI carries a Roarable C- (61/100 RQD), trailing P/E of 21.5x, gross margin of —, and ROIC of 4.6%. By comparison, FDSB (Fifth District Bancorp Inc.) holds a C- grade (59/100 RQD, P/E 22.3x, ROIC 3.2%, cap $91.4M) and CLST (Catalyst Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 35.0x, ROIC 2.5%, cap $71.7M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CPBI?
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Per CPBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001979332), Central Plains Bancshares Inc. generated $0 in revenue, $4.0M in net income, and $5.8M in free cash flow against $535.7M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $20.58 (-0.19%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.1% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C-
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw C- · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+1.4% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPBI)Realized 20D OHLCV Swing Band: ±2.9%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY CPBI SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)
SEC XBRL FY 2025 (10-K): 0.1% FCF Margin ($5.8M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C-$20.00+0% Next Q
53
Q2 (-2Q)Grade C$20.00+3.8% Next Q
56
Q3 (-1Q)Grade C$20.75-0.6% Next Q
58
CurrentGrade C-$20.62+0.5% Hist 90D α
61
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the CPBI Bull Thesis Could Fail
Even with a 61/100 (C-) score, CPBI faces multiple-compression risk if 21.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($20.58) or 200D SMA ($18.90) invalidates the momentum regime and cuts Target Base ($20.90) toward Bear Floor ($16.30).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CPBI Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CPBI Stock Traded Steady Today — RQD Quant Desk Flash
Central Plains Bancshares Inc. (CPBI) slipped 0.00% to $20.62, trading at 81% of its 52-week range ($15.56 – $21.84). Solid steady margins (5% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 81% of its 52-week range ($15.56 – $21.84) with RSI-14 at 54.6 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±2.9% around $20.62 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $5.8M annual free cash flow.
Live CPBI Headlines & Catalysts
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPBI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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CPBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.51%▼ DESCENDING CHANNEL
2026-10-30O $20.73H $20.73L $20.62C $20.62VOL 1.3K
RES: $21.27SUP: $18.92SMA50: $20.58SMA200: $18.90
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
CPBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
15.2%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on CPBI today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for CPBI. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CPBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPBI)
Financials Rank #475 of 1096
⚔️ FDSB vs CPBI Full Matrix →
1. Head-to-Head Financials Peer Comparison (CPBI vs. FDSB, CLST, BYFC, HFBL)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Central Plains Bancshares Inc. (CPBI) ranks #475 by composite RQD confidence (61/100, grade C-) and #976 by equity capitalization ($86.0M). Within this direct 5-issuer industry benchmark cohort, HFBL leads on earnings valuation at 17.4x trailing P/E, while HFBL leads on capital efficiency and profitability with 6.7% ROIC and — gross margin. HFBL currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CPBI at 61/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CPBI
ACTIVE
Central Plains Bancshares Inc. | C- | 61/100 | 21.5x | — | 4.6% | 0.00% | $86.0M | Benchmark Subject |
| FDSB Fifth District Bancorp Inc. | C- | 59/100 | 22.3x | — | 3.2% | +0.51% | $91.4M | /fdsb-vs-cpbi → |
| CLST Catalyst Bancorp Inc. | D+ | 57/100 | 35.0x | — | 2.5% | +3.07% | $71.7M | /clst-vs-cpbi → |
| BYFC Broadway Financial Corporation (Class A) | E | 31/100 | — | — | -9.4% | +0.26% | $106.5M | /byfc-vs-cpbi → |
| HFBL Home Federal Bancorp Inc. of Louisiana | B- | 70/100 | 17.4x | — | 6.7% | -1.67% | $67.8M | /hfbl-vs-cpbi → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0001979332In its most recent audited fiscal period (FY2025, filed 2026-03-31), Central Plains Bancshares Inc. (CPBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $4.0M, operating cash flow of $6.7M, and free cash flow of $5.8M (+289.4% YoY). On the balance sheet, CPBI closed FY2025 with $535.7M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2026-03-31 | $0 | $4.0M | $6.7M | $5.8M | $535.7M | — |
| FY2024 (FY) | 2025-03-31 | $0 | $3.7M | $4.5M | -$3.1M | $484.3M | — |
| FY2023 (FY) | 2024-03-31 | $0 | $3.8M | $5.7M | $5.7M | — | — |
3. CPBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs CPBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Central Plains Bancshares Inc. (NASDAQ: CPBI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $20.62 (0.00% 1D, market cap $86.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, CPBI ranks #475 in composite RQD confidence.
How does CPBI compare to FDSB and CLST in the Financials sector?
Within the Financials sector (Savings Institutions), CPBI carries a Roarable C- (61/100 RQD), trailing P/E of 21.5x, gross margin of —, and ROIC of 4.6%. By comparison, FDSB (Fifth District Bancorp Inc.) holds a C- grade (59/100 RQD, P/E 22.3x, ROIC 3.2%, cap $91.4M) and CLST (Catalyst Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 35.0x, ROIC 2.5%, cap $71.7M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).
What are the biggest fundamental strengths and SEC risk factors for CPBI?
Per CPBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001979332), Central Plains Bancshares Inc. generated $0 in revenue, $4.0M in net income, and $5.8M in free cash flow against $535.7M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is CPBI trading relative to its 50-day, 200-day, and 52-week technical levels?
CPBI last traded at $20.62 (0.00% on volume of 3,559 shares), positioning the stock +0.19% above its 50-day simple moving average ($20.58) and +9.10% above its 200-day simple moving average ($18.90). Across its 52-week range of $15.56 to $21.84, CPBI sits at the 80.6% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±2.9% ($20.02 to $21.22).
CPBI Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CPBI stock moving today?
Why CPBI Stock Traded Steady Today — RQD Quant Desk Flash. Solid steady margins (5% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.