Central Plains Bancshares (NASDAQ:CPBI) and Heritage Southeast Bancorporation (OTCMKTS:HSBI) Head to Head Analysis

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	13.97%	4.63%	0.78%
Heritage Southeast Bancorporation	20.73%	N/A	N/A

Valuation & Earnings

This table compares Central Plains Bancshares and Heritage Southeast Bancorporation”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Central Plains Bancshares	$1.26 million	50.31	$3.76 million	N/A	N/A
Heritage Southeast Bancorporation	$75.43 million	0.00	$13.81 million	$2.19	N/A

Heritage Southeast Bancorporation has higher revenue and earnings than Central Plains Bancshares.

Insider & Institutional Ownership

24.3% of Central Plains Bancshares shares are owned by institutional investors. Comparatively, 0.2% of Heritage Southeast Bancorporation shares are owned by institutional investors. 5.4% of Central Plains Bancshares shares are owned by insiders. Comparatively, 29.6% of Heritage Southeast Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Central Plains Bancshares has a beta of 0.22, indicating that its stock price is 78% less volatile than the S&P 500. Comparatively, Heritage Southeast Bancorporation has a beta of 0.85, indicating that its stock price is 15% less volatile than the S&P 500.

Summary

Heritage Southeast Bancorporation beats Central Plains Bancshares on 5 of the 8 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 Heritage Southeast Bancorporation

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank that provides a range of commercial and consumer banking products and services primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. The company offers checking and savings, money market, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; personal lines of credit; accounts receivable financing; credit and debit cards; and mobile, online, and telephone banking services, as well as cash management, courier, and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.