Central Plains Bancshares FY 2025 Earnings: Revenue Up 9.6%, Net Income Down 2.8%

Central Plains Bancshares reported FY 2025 earnings with revenue of $18.9m, up 9.6% from FY 2024, and net income of $3.65m, down 2.8% from FY 2024. EPS was $0.96, down from $2.19 in FY 2024. Net interest margin increased to 3.56%, while non-performing loans rose to 0.36%.

Central Plains Bancshares (NASDAQ:CPBI) has released its full-year 2025 financial results, providing investors with a snapshot of the company's performance. The bank reported a revenue of $18.9 million, a 9.6% increase from the previous year [1]. Despite the revenue growth, net income declined to $3.65 million, a 2.8% decrease from FY 2024 [1]. The earnings per share (EPS) also fell to $0.96 from $2.19 in the preceding year [1].

The bank's net interest margin (NIM) improved to 3.56%, up from 3.36% in FY 2024 [1]. However, the non-performing loans ratio increased to 0.36%, compared to 0.17% in the previous year [1]. These changes suggest that while the bank's interest income is growing, its non-performing loans are also rising, potentially impacting profitability.

The share price of Central Plains Bancshares has remained broadly unchanged from a week ago, reflecting the mixed signals in the earnings report [1]. The company's management and analysts have highlighted the importance of considering investment risks, with one warning sign identified in the financial analysis [1].

Separately, Prosperity Bancshares, a regional bank, reported its first-quarter 2025 earnings, exceeding analyst expectations with an EPS of $1.37 [2]. However, revenue slightly missed projections, coming in at $306.68 million against an anticipated $307.93 million [2]. Analysts from Jefferies and Raymond James maintain a positive outlook on Prosperity Bancshares, citing its strong capital position and potential for net interest margin (NIM) expansion [2]. The bank's net income rose to $130 million, marking a 17.9% increase from the previous year [2].

References:
[1] https://uk.finance.yahoo.com/news/central-plains-bancshares-full-2025-132647749.html
[2] https://ca.investing.com/news/insider-trading-news/holmes-ned-s-director-at-prosperity-bancshares-sells-76k-in-stock-93CH-4080915