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Central Pacific Financial Corp (CPF)
NYSE:CPF
CPF Stock Chart & Stats
$31.85
$0.06(0.22%)
At close: 4:00 PM EST
$31.85
$0.06(0.22%)
Day’s Range― - ―
52-Week Range$23.16 - $35.01
Previous CloseN/A
Volume23.48K
Average Volume (3M)159.72K
Market Cap
$854.46M
Enterprise Value$904.50M
Total Cash (Recent Filing)$836.41M
Total Debt (Recent Filing)$127.64M
Price to Earnings (P/E)11.1
Beta0.90
Next Earnings
Apr 29, 2026EPS Estimate
0.76Next Dividend Ex-DateN/A
Dividend Yield3.39%
Share Statistics
EPS (TTM)0.85
Shares Outstanding26,827,513
10 Day Avg. Volume241,833
30 Day Avg. Volume159,718
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.40
Price to Sales (P/S)2.30
P/FCF Ratio8.53
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue2.50
Enterprise Value/Gross Profit3.28
Enterprise Value/Ebitda8.48
Forecast
1Y Price Target
$36.50Price Target Upside14.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.23
Revenue Forecast (FY)$306.77M
Bulls Say, Bears Say
Bulls Say
Low-cost Core Deposit FranchiseA sizable share of noninterest and core deposits plus recent deposit growth and lower average deposit costs underpin stable, low-cost funding. This durable funding advantage supports net interest margin resilience, loan pricing flexibility and capital deployment (dividends/buybacks) over the medium term.
Strong Capital And Active Capital ReturnsRobust capital actions and buybacks signal conservative capital management and confidence in earnings durability. A meaningful repurchase program and modest dividend increases indicate management prioritizes shareholder returns while retaining capacity to absorb shocks given regulatory capital targets, supporting long-term investor confidence.
Revenue And Margin RecoveryImproving NII, expanding margins and accelerating revenue in 2025 reflect regained operating leverage and pricing/funding improvements. Sustained margin expansion and steady revenue growth enhance medium-term earnings power, enabling reinvestment and supporting dividends even if margins remain below peak-cycle levels.
Bears Say
Loan Balance Decline And RunoffSignificant runoff and large payoffs reduced earning assets and pressured loan growth, creating near-term NII headwinds. Because some pipelines were delayed into 2026, recurring growth may remain muted and the bank must rebuild originations to restore durable loan-driven revenue growth.
Volatile Free Cash Flow GenerationMulti-year negative FCF growth signals inconsistent cash conversion, which can constrain organic investment, dividend sustainability and the pace of buybacks. Even with a stronger 2025 cash conversion, the volatility raises questions about the durability of shareholder returns and funding flexibility.
Concentrated Hawaii Market Exposure And Local Macro RiskHeavy concentration in Hawaii ties earnings and asset quality to tourism and local labor conditions. Persistent softness in visitors or employment can limit loan demand, deposit growth and increase credit sensitivity, constraining durable growth and making performance more cyclical than diversified peers.
Central Pacific Financial News
CPF FAQ
What was Central Pacific Financial Corp’s price range in the past 12 months?
Central Pacific Financial Corp lowest stock price was $23.16 and its highest was $35.01 in the past 12 months.
What is Central Pacific Financial Corp’s market cap?
Central Pacific Financial Corp’s market cap is $854.46M.
When is Central Pacific Financial Corp’s upcoming earnings report date?
Central Pacific Financial Corp’s upcoming earnings report date is Apr 29, 2026 which is in 57 days.
How were Central Pacific Financial Corp’s earnings last quarter?
Central Pacific Financial Corp released its earnings results on Jan 27, 2026. The company reported $0.85 earnings per share for the quarter, beating the consensus estimate of $0.727 by $0.123.
Is Central Pacific Financial Corp overvalued?
According to Wall Street analysts Central Pacific Financial Corp’s price is currently Undervalued.
Does Central Pacific Financial Corp pay dividends?
Central Pacific Financial Corp pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 3.39%. See more information on Central Pacific Financial Corp dividends here
What is Central Pacific Financial Corp’s EPS estimate?
Central Pacific Financial Corp’s EPS estimate is 0.76.
How many shares outstanding does Central Pacific Financial Corp have?
Central Pacific Financial Corp has 26,827,513 shares outstanding.
What happened to Central Pacific Financial Corp’s price movement after its last earnings report?
Central Pacific Financial Corp reported an EPS of $0.85 in its last earnings report, beating expectations of $0.727. Following the earnings report the stock price went up 0.127%.
Which hedge fund is a major shareholder of Central Pacific Financial Corp?
Currently, no hedge funds are holding shares in CPF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Central Pacific Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.50 (14.60% Upside)
$36.50 (14.60% Upside)
Blogger Sentiment
Neutral
CPF Sentiment 100%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Decreased
By 35.7K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.10%
12-Months-Change
Fundamentals
Return on Equity
11.65%
Trailing 12-Months
Asset Growth
0.08%
Trailing 12-Months
Company Description
Central Pacific Financial Corp
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
CPF Company Deck
CPF Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a positive operating and capital story: strong Q4 and full-year profitability, margin expansion, improved core earnings and shareholder returns, disciplined expense management, robust capital ratios, and active capital deployment (dividend increase and buyback). Offsetting this were near-term headwinds to loan growth from sizable loan runoff, delayed fundings (with some expected to push into Q2 2026), contraction in consumer/residential portfolios, and cautious guidance for low single-digit loan/deposit growth. Overall the company presents solid execution and momentum but with prudent, conservative guidance reflecting macro and portfolio timing risks.View all CPF earnings summariesCPF Stock 12 Month Forecast
Average Price Target
$36.50
▲(14.60% Upside)
Technical Analysis
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Ownership Overview
2.60% Insiders
20.94% Mutual Funds
21.75% Other Institutional Investors
23.90% Public Companies and
Individual Investors