What is Central Plains's earnings per share (EPS)?

Central Plains (CPBI) reported diluted earnings per share of $1.05 for fiscal year 2026. This represents a 9.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Central Plains Financials

CPBI

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE March

This page shows Central Plains (CPBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CPBI FY2025 2026-06-18

Central Plains runs a balance-sheet-heavy lending model where thin asset returns and funding needs matter more than reported revenue growth.

FY2025 looked less like an earnings breakdown and more like a funding-shape shift: operating cash flow still ran ahead of net income at $4.5M, but free cash flow fell to -$3.1M because reinvestment outpaced internally generated cash. Cash still ended the year at $28.7M after $40.7M of financing inflows, which suggests expansion relied more on outside funding than on retained cash generation.

Revenue growth is a less revealing lens here for judging economics than asset efficiency: with assets reaching $508.7M, return on assets was only 0.7% in FY2025. That tells you this business lives on thin returns across a large balance sheet, so small shifts in funding cost or asset yield can change profit faster than revenue growth suggests.

The reported debt-to-equity ratio is far lower than in FY2023, reflecting a thicker equity cushion rather than a low-debt model. Even after that improvement, liabilities still stood at $425.4M, so the company remains a liability-funded balance sheet with earnings capacity tied closely to how efficiently those obligations are deployed.

Financial Health Signals

Financial Health Score 41/100

Scored as: Banks peer group

Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Central Plains's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

5/6

Central Plains passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.67x

For every $1 of reported earnings, Central Plains generates $1.67 in operating cash flow ($6.7M OCF vs $4.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$27.7M

YoY+12.0%

Central Plains generated $27.7M in revenue in fiscal year 2026. This represents an increase of 12.0% from the prior year.

EBITDA

N/A

Net Income

$4.0M

YoY+9.5%

Central Plains reported $4.0M in net income in fiscal year 2026. This represents an increase of 9.5% from the prior year.

EPS (Diluted)

$1.05

YoY+9.4%

Central Plains earned $1.05 per diluted share (EPS) in fiscal year 2026. This represents an increase of 9.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$5.8M

YoY+289.4%

Central Plains generated $5.8M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 289.4% from the prior year.

Cash & Debt

$29.9M

YoY+4.3%

Central Plains held $29.9M in cash against $0 in long-term debt as of fiscal year 2026.

Dividends Per Share

N/A

Shares Outstanding

YoY-0.8%

Central Plains had 4M shares outstanding in fiscal year 2026. This represents a decrease of 0.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

14.5%

YoY-0.3pp

Central Plains's net profit margin was 14.5% in fiscal year 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the prior year.

Return on Equity

4.5%

YoY+0.1pp

Central Plains's ROE was 4.5% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$679K

YoY+64.4%

Central Plains spent $679K on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 64.4% from the prior year.

Capital Expenditures

$878K

YoY-88.3%

Central Plains invested $878K in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents a decrease of 88.3% from the prior year.

CPBI Income Statement

Metric	FY26	FY25	FY24	FY23
Revenue	$27.7M+12.0%	$24.7M+17.8%	$21.0M+29.9%	$16.1M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	$8.8M+11.1%	$7.9M+13.5%	$6.9M+24.0%	$5.6M
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$9.0M+9.5%	$8.2M+26.6%	$6.5M+136.8%	$2.7M
Income Tax	$991K+14.0%	$869K-0.9%	$877K+176.7%	$317K
Net Income	$4.0M+9.5%	$3.7M-2.8%	$3.8M+128.4%	$1.6M
EPS (Diluted)	$1.05+9.4%	$0.96-56.2%	$2.19	N/A

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Revenue	$7.1M-0.6%	$7.2M+5.7%	$6.8M+3.1%	$6.6M+2.9%	$6.4M+2.4%	$6.2M+1.6%	$6.1M+4.0%	$5.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.2M-0.9%	$2.2M+2.2%	$2.2M+4.3%	$2.1M-2.6%	$2.2M+10.9%	$1.9M+0.5%	$1.9M+5.2%	$1.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.4M+3.0%	$2.3M+5.3%	$2.2M+5.3%	$2.1M+1.3%	$2.1M-2.5%	$2.1M+1.1%	$2.1M+7.5%	$1.9M
Income Tax	$217K-27.7%	$300K+28.8%	$233K-3.3%	$241K+11.1%	$217K-9.6%	$240K+17.1%	$205K-1.0%	$207K
Net Income	$955K-18.7%	$1.2M+33.2%	$882K-10.7%	$988K+16.5%	$848K-10.8%	$951K-0.1%	$952K+5.4%	$903K
EPS (Diluted)	N/A	$0.31+34.8%	$0.23-11.5%	$0.26	N/A	$0.250.0%	$0.25+4.2%	$0.24

CPBI Balance Sheet

Metric	FY26	FY25	FY24	FY23
Total Assets	$558.6M+9.8%	$508.7M+9.8%	$463.3M+5.8%	$437.8M
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$29.9M+4.3%	$28.7M+150.4%	$11.5M-30.8%	$16.6M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	$469.7M+10.4%	$425.4M+10.5%	$385.0M-3.5%	$399.1M
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$89.0M+6.8%	$83.3M+6.5%	$78.3M+102.4%	$38.7M
Retained Earnings	$54.4M+7.4%	$50.7M+7.5%	$47.1M+7.7%	$43.8M

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Total Assets	$558.6M+4.3%	$535.7M+5.0%	$510.0M+1.8%	$500.9M-1.5%	$508.7M+5.0%	$484.3M+0.5%	$482.0M+3.3%	$466.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$29.9M+6.5%	$28.1M+216.2%	$8.9M+12.2%	$7.9M-72.4%	$28.7M+332.1%	$6.6M-32.8%	$9.9M+79.2%	$5.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$469.7M+4.8%	$448.0M+5.7%	$423.8M+1.8%	$416.2M-2.1%	$425.4M+5.5%	$403.0M+0.7%	$400.4M+3.4%	$387.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$89.0M+1.4%	$87.8M+1.8%	$86.2M+1.8%	$84.6M+1.6%	$83.3M+2.5%	$81.3M-0.4%	$81.6M+3.1%	$79.2M
Retained Earnings	$54.4M+1.7%	$53.5M+2.1%	$52.4M+1.7%	$51.6M+1.8%	$50.7M+1.5%	$49.9M+1.9%	$49.0M+2.0%	$48.0M

CPBI Cash Flow Statement

Metric	FY26	FY25	FY24	FY23
Operating Cash Flow	$6.7M+49.9%	$4.5M-21.9%	$5.7M+27.6%	$4.5M
Capital Expenditures	$878K-88.3%	$7.5M+229.9%	$2.3M+652.8%	$303K
Free Cash Flow	$5.8M+289.4%	-$3.1M-189.5%	$3.4M-17.8%	$4.2M
Investing Cash Flow	-$49.0M-75.5%	-$27.9M+10.4%	-$31.2M+5.4%	-$32.9M
Financing Cash Flow	$43.5M+7.1%	$40.7M+100.0%	$20.3M-21.9%	$26.0M
Dividends Paid	N/A	N/A	N/A	N/A
Share Buybacks	$679K+64.4%	$413K	N/A	N/A

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Operating Cash Flow	$3.4M+47.1%	$2.3M+102.4%	$1.1M+1277.1%	-$96K-104.6%	$2.1M+208.8%	$674K-43.8%	$1.2M+137.4%	$505K
Capital Expenditures	-$94K-256.7%	$60K-75.2%	$242K-63.9%	$670K-75.4%	$2.7M+26.6%	$2.2M-0.9%	$2.2M+362.6%	$470K
Free Cash Flow	$3.3M+46.9%	$2.2M+150.8%	$888K+215.9%	-$766K-18.4%	-$647K+56.3%	-$1.5M-51.8%	-$975K-2885.7%	$35K
Investing Cash Flow	-$22.0M-229.8%	-$6.7M+8.0%	-$7.3M+44.0%	-$13.0M-567.1%	-$1.9M+71.9%	-$6.9M+26.8%	-$9.4M+1.6%	-$9.6M
Financing Cash Flow	$20.5M-13.2%	$23.6M+232.3%	$7.1M+192.4%	-$7.7M-135.1%	$21.9M+631.2%	$3.0M-76.2%	$12.6M+299.7%	$3.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$135K-30.4%	$194K+115.6%	$90K-65.4%	$260K-5.8%	$276K	N/A	N/A	N/A

CPBI Financial Ratios

Metric	FY26	FY25	FY24	FY23
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	14.5%-0.3pp	14.8%-3.1pp	17.9%+7.7pp	10.2%
Return on Equity	4.5%+0.1pp	4.4%-0.4pp	4.8%+0.5pp	4.3%
Return on Assets	0.7%0.0pp	0.7%-0.1pp	0.8%+0.4pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	5.28+0.2	5.10+0.2	4.92-5.4	10.32
FCF Margin	21.0%+33.4pp	-12.4%-28.8pp	16.4%-9.5pp	25.8%

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	13.4%-3.0pp	16.4%+3.4pp	13.0%-2.0pp	15.0%+1.8pp	13.3%-2.0pp	15.2%-0.3pp	15.5%+0.2pp	15.3%
Return on Equity	1.1%-0.3pp	1.3%+0.3pp	1.0%-0.1pp	1.2%+0.1pp	1.0%-0.1pp	1.2%0.0pp	1.2%+0.0pp	1.1%
Return on Assets	0.2%-0.1pp	0.2%+0.1pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.28+0.2	5.10+0.2	4.920.0	4.92-0.2	5.10+0.1	4.96+0.1	4.91+0.0	4.89
FCF Margin	45.9%+14.8pp	31.1%+18.0pp	13.1%+24.7pp	-11.6%-1.5pp	-10.1%+13.6pp	-23.7%-7.8pp	-15.9%-16.4pp	0.6%

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Frequently Asked Questions

What is Central Plains's annual revenue?

Central Plains (CPBI) reported $27.7M in total revenue for fiscal year 2026. This represents a 12.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Central Plains's revenue growing?

Central Plains (CPBI) revenue grew by 12% year-over-year, from $24.7M to $27.7M in fiscal year 2026.

Is Central Plains profitable?

Yes, Central Plains (CPBI) reported a net income of $4.0M in fiscal year 2026, with a net profit margin of 14.5%.

What is Central Plains's net profit margin?

Central Plains (CPBI) had a net profit margin of 14.5% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

What is Central Plains's return on equity (ROE)?

Central Plains (CPBI) has a return on equity of 4.5% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is Central Plains's free cash flow?

Central Plains (CPBI) generated $5.8M in free cash flow during fiscal year 2026. This represents a 289.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Central Plains's operating cash flow?

Central Plains (CPBI) generated $6.7M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Central Plains's total assets?

Central Plains (CPBI) had $558.6M in total assets as of fiscal year 2026, including both current and long-term assets.

What are Central Plains's capital expenditures?

Central Plains (CPBI) invested $878K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

Does Central Plains buy back shares?

Yes, Central Plains (CPBI) spent $679K on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does Central Plains have outstanding?

Central Plains (CPBI) had 4M shares outstanding as of fiscal year 2026.

What is Central Plains's debt-to-equity ratio?

Central Plains (CPBI) had a debt-to-equity ratio of 5.28 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Central Plains's return on assets (ROA)?

Central Plains (CPBI) had a return on assets of 0.7% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is Central Plains's Piotroski F-Score?

Central Plains (CPBI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Central Plains's earnings high quality?

Central Plains (CPBI) has an earnings quality ratio of 1.67x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Central Plains?

Central Plains (CPBI) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.