Comparing Central Plains Bancshares (NASDAQ:CPBI) & Huntington Bancshares (NASDAQ:HBAN)

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

Volatility & Risk

Central Plains Bancshares has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500. Comparatively, Huntington Bancshares has a beta of 0.96, suggesting that its stock price is 4% less volatile than the S&P 500.

Earnings and Valuation

This table compares Central Plains Bancshares and Huntington Bancshares”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	2.51	$3.65 million	$0.99	16.42
Huntington Bancshares	$11.96 billion	1.99	$1.94 billion	$1.35	12.10

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

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Central Plains Bancshares and Huntington Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Central Plains Bancshares	0	1	0	0	2.00
Huntington Bancshares	1	3	16	2	2.86

Huntington Bancshares has a consensus price target of $19.24, suggesting a potential upside of 17.73%. Given Huntington Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Huntington Bancshares is more favorable than Central Plains Bancshares.

Insider and Institutional Ownership

24.3% of Central Plains Bancshares shares are owned by institutional investors. Comparatively, 80.7% of Huntington Bancshares shares are owned by institutional investors. 8.6% of Central Plains Bancshares shares are owned by company insiders. Comparatively, 0.9% of Huntington Bancshares shares are owned 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.

Profitability

This table compares Central Plains Bancshares and Huntington Bancshares’ 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%
Huntington Bancshares	17.36%	11.81%	1.06%

Summary

Huntington Bancshares beats Central Plains Bancshares on 12 of the 15 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 Huntington Bancshares

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. It also provides 24-hour grace, asterisk-free checking, money scout, $50 safety zone, standby cash, early pay, instant access, savings goal getter, and Huntington heads up; digitally powered consumer and business financial solutions to consumer lending, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans, as well as dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services. The company offers equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions, as well as Huntington ChoicePay. In addition, it offers lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The company was founded in 1866 and is headquartered in Columbus, Ohio.