Central Pacific Financial Corp. (CPF)

NYQ – Real Time Price. Currency in USD

37.85

+0.09 (0.24%)

At close: Jun 26, 2026, 4:00 PM EDT

37.85

+0.00 (0.00%)

After-hours: Jun 26, 2026, 5:05 PM EDT

Stock details

Previous close: 37.85$
Day's range: 37.39 - 38.02$
52-week range: 25.62 - 38.02$
Volume: 473 476
Average volume: 219 952
Beta: 0.59
EPS (TTM): 3.01
PE ratio (TTM): 12.63
Forward P/E: 11.59
Market cap: 987 931 467
Shares outstanding: 26 101 228
Dividend yield: $2.99 (2.99%)
Next earnings date: 2026-07-29
Sector: Financials
Industry: Banks - Regional

About the company

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money mark... read more

CEO: Arnold Martines
Country: United States
IPO Date
Employees: 763
Fiscal Year End: January - December
Website: https://www.cpb.bank

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: CPF

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Overall Score

4.8 / 1048%

Financial Strength

6.2

Profitability

6.4

Effectiveness

Growth

5.2

Forecast

6.1

Valuation

4.2

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $101.6M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $18.6M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.13	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.17	0.05	9.0
Debt to Assets	0.01	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	280M	324M	345M	366M	365M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	99M	72M	68M	98M	99M
Net Income	74M	59M	53M	77M	80M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	37.28	0.44	10
Net margin %	28.43	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	22.22	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.96	1.46	2.0
ROE	12.62	14.94	7.0
ROIC	9.97	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.15	16.92	6.5
Next quarter	3.6	22.22	7.0
Current year	4.04	14.22	6.0
Next year	4.25	9.18	5.0
Weighted average score			6.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.97	-9.39	-8.23	-6.52	1.0
Y/Y	0.4	16.69	20	12.94	7.0
3y average	9.34	5.16	5.65	-1.39	4.3
5y average	7.49	24.47	25.21	18.24	8.5
Weighted average score					5.2

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.66	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.47	3.37	4.4
P/B	1.66	1.53	5.6
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR3.77%

FCF 5 year CAGR4

Fair value53.57$

Stock price37.85$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.48	3.48	8.0
Payout ratio	33.91	33.91	5.0
5-year dividend growth rate	3.26	3.26	5.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.0

Fair Value

$53.57

UndervaluedStock priceOvervalued

$37.85

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Arnold Martines

Country

United States

IPO Date

Employees

763

Fiscal Year End

January - December

Website

https://www.cpb.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.13

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.17

0.05

9.0

Debt to Assets

0.01

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

280M

324M

345M

366M

365M

Gross Profit

N/A

Operating Income

99M

72M

68M

98M

99M

Net Income

74M

59M

53M

77M

80M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

37.28

0.44

Net margin %

28.43

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

22.22

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.96

1.46

2.0

ROE

12.62

14.94

7.0

ROIC

9.97

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.15

16.92

6.5

Next quarter

3.6

22.22

7.0

Current year

4.04

14.22

6.0

Next year

4.25

9.18

5.0

Weighted average score

6.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-2.97

-9.39

-8.23

-6.52

1.0

Y/Y

0.4

16.69

12.94

7.0

3y average

9.34

5.16

5.65

-1.39

4.3

5y average

7.49

24.47

25.21

18.24

8.5

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.66

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.47

3.37

4.4

P/B

1.66

1.53

5.6

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.48

8.0

Payout ratio

33.91

5.0

5-year dividend growth rate

3.26

5.0

Years of dividend increase

1.00

2.0

Weighted average score

5.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Central Pacific Financial Corp. (CPF)

Stock details

About the company

Revenue Breakdown

News

Chart: CPF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$53.57

$37.85

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CPF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$53.57

$37.85

Economic Moat