Critical Survey: Central Plains Bancshares (NASDAQ:CPBI) vs. BNCCORP (OTCMKTS:BNCC)

Central Plains Bancshares (NASDAQ:CPBI) and BNCCORP (OTCMKTS:BNCC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, risk, earnings and institutional ownership.

Institutional & Insider Ownership

24.3% of Central Plains Bancshares shares are owned by institutional investors. 8.6% of Central Plains Bancshares shares are owned by company insiders. Comparatively, 28.4% of BNCCORP shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings for Central Plains Bancshares and BNCCORP, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Central Plains Bancshares	0	1	0	0	2.00
BNCCORP	0	0	0	0	0.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	13.11%	4.59%	0.76%
BNCCORP	15.52%	8.75%	0.89%

Volatility & Risk

Central Plains Bancshares has a beta of 0.19, indicating that its share price is 81% less volatile than the S&P 500. Comparatively, BNCCORP has a beta of 0.36, indicating that its share price is 64% less volatile than the S&P 500.

Earnings and Valuation

This table compares Central Plains Bancshares and BNCCORP”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	$27.31 million	2.88	$3.65 million	$1.03	18.17
BNCCORP	$57.17 million	2.10	$8.77 million	$2.59	13.11

BNCCORP has higher revenue and earnings than Central Plains Bancshares. BNCCORP 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.

Summary

BNCCORP beats Central Plains Bancshares on 8 of the 12 factors compared between the two stocks.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.

About BNCCORP

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 7 locations in Arizona, North Dakota, Illinois, and Kansas. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.