Capitol Federal Financial (NASDAQ:CFFN) vs. Central Plains Bancshares (NASDAQ:CPBI) Head to Head Analysis

Central Plains Bancshares (NASDAQ:CPBI) and Capitol Federal Financial (NASDAQ:CFFN) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, valuation, profitability, earnings and risk.

Valuation & Earnings

This table compares Central Plains Bancshares and Capitol Federal Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Central Plains Bancshares	$30.33 million	2.84	$4.00 million	$1.18	17.51
Capitol Federal Financial	$445.56 million	2.37	$86.40 million	$0.69	12.19

Capitol Federal Financial has higher revenue and earnings than Central Plains Bancshares. Capitol Federal Financial is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Central Plains Bancshares has a beta of 0.21, suggesting that its stock price is 79% less volatile than the S&P 500. Comparatively, Capitol Federal Financial has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for Central Plains Bancshares and Capitol Federal Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Central Plains Bancshares	0	1	0	0	2.00
Capitol Federal Financial	0	2	1	1	2.75

Capitol Federal Financial has a consensus target price of $9.25, suggesting a potential upside of 9.99%. Given Capitol Federal Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Capitol Federal Financial is more favorable than Central Plains Bancshares.

Profitability

This table compares Central Plains Bancshares and Capitol Federal Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	14.33%	5.14%	0.83%
Capitol Federal Financial	19.39%	8.39%	0.89%

Institutional and Insider Ownership

24.3% of Central Plains Bancshares shares are held by institutional investors. Comparatively, 88.5% of Capitol Federal Financial shares are held by institutional investors. 8.6% of Central Plains Bancshares shares are held by company insiders. Comparatively, 2.8% of Capitol Federal Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Capitol Federal Financial beats Central Plains Bancshares on 11 of the 15 factors compared between the two stocks.

About Central Plains Bancshares

Central Plains Bancshares is a bank holding company whose principal subsidiary, Central Plains Bank, provides community banking services. Its offerings include deposit accounts, consumer and business loans, and other banking services for individuals, businesses, and local organizations. The company serves communities in Nebraska through its banking operations. As a community-focused institution, Central Plains Bank supports customers’ everyday banking needs and local business activity.

About Capitol Federal Financial

Capitol Federal Financial is the holding company for Capitol Federal Savings Bank, a community bank headquartered in Topeka, Kansas. Founded in 1893, the bank has a long history of serving individuals and businesses in Kansas. The bank offers deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. Its lending services include residential mortgages and home equity loans, as well as selected commercial and consumer lending products. Capitol Federal primarily serves customers through branches and other banking channels across Kansas, including communities in the Topeka, Lawrence, Wichita, and Kansas City areas.