Central Plains Bancshares (NASDAQ:CPBI) versus Heartland BancCorp. (OTCMKTS:HLAN) Head-To-Head Review

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	13.34%	4.52%	0.76%
Heartland BancCorp.	17.00%	N/A	N/A

Risk and Volatility

Central Plains Bancshares has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500. Comparatively, Heartland BancCorp. has a beta of 0.03, indicating that its share price is 97% less volatile than the S&P 500.

Institutional & Insider Ownership

24.3% of Central Plains Bancshares shares are held by institutional investors. Comparatively, 7.5% of Heartland BancCorp. shares are held by institutional investors. 8.6% of Central Plains Bancshares shares are held by insiders. Comparatively, 22.7% of Heartland BancCorp. shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Central Plains Bancshares and Heartland BancCorp.”s 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	2.51	$3.65 million	$0.99	16.39
Heartland BancCorp.	$119.21 million	2.74	$20.26 million	$9.76	16.39

Heartland BancCorp. has higher revenue and earnings than Central Plains Bancshares. Heartland BancCorp. 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

Heartland BancCorp. beats Central Plains Bancshares on 6 of the 10 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 Heartland BancCorp.

Heartland BancCorp operates as the bank holding company for Heartland Bank that provides various banking and financial services to individual and corporate customers. The company offers personal and business checking and savings accounts. It also provides various lending solutions comprising agricultural loans, commercial and business lending, home and personal loans, and title services. In addition, the company offers online banking, treasury management, credit and debit card, and mobile wallet services. Further, it provides education planning, insurance, wealth management, and retirement planning services. Heartland BancCorp was founded in 1911 and is based in Whitehall, Ohio.