Central Pacific Financial Corp (CPF)
NYSE:CPF
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CPF Stock Chart & Stats
$34.85
$0.06(0.22%)
At close: 4:00 PM EST
$34.85
$0.06(0.22%)
Day’s Range― - ―
52-Week Range$25.62 - $35.41
Previous CloseN/A
Volume23.48K
Average Volume (3M)159.72K
Market Cap
$908.84M
Enterprise Value$603.87M
Total Cash (Recent Filing)$893.71M
Total Debt (Recent Filing)$101.62M
Price to Earnings (P/E)10.1
Beta0.88
Next Earnings
Jul 29, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield3.39%
Share Statistics
EPS (TTM)3.02
Shares Outstanding26,101,229
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 Ratio9.01
Enterprise Value/Market Cap0.66
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit2.14
Enterprise Value/Ebitda5.44
Forecast
1Y Price Target
$37.00Price Target Upside6.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.25
Revenue Forecast (FY)$306.17M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and rising ROE provide durable financial flexibility. A debt-to-equity near 0.04 plus mid-teens ROE allows the bank to absorb shocks, fund modest loan growth, repurchase shares and sustain dividends without needing immediate external capital in most stress scenarios.
Stable, Low-Cost Core DepositsA deposit base that's >90% core and low funding cost supports sustainable NIM and reduces refinancing risk. High core funding provides durable access to low-cost liquidity, enabling gradual loan growth and cushioning margin pressure from wholesale or market volatility.
Healthy Profitability And NII GuidanceSolid margins and improving ROE, coupled with management's NII guidance, indicate durable earnings capacity. Even with some margin compression versus peak cycles, consistent NII growth and mid-3% NIM support ongoing internal capital generation and shareholder returns over the next several quarters.
Bears Say
Moderating New Loan YieldsPersistent downward pressure on newly originated loan spreads reduces future NII upside. If competitive dynamics keep new-loan yields below prior levels, repricing of back-book loans and securities may not fully offset margin erosion, constraining sustainable net interest income growth.
Volatile Free Cash FlowInconsistent free cash flow reduces visibility into sustainable distributable cash for dividends and buybacks. Volatility raises the chance management must retain capital in adverse quarters, limiting predictable capital return pacing and constraining reinvestment into loan growth.
Geographic And Single-Borrower Concentration RiskHeavy exposure to the Hawaii market and isolated commercial concentration raise loss volatility risk. One troubled borrower already lifted criticized loans; a localized tourism or real-estate downturn could disproportionately impair asset quality given limited geographic diversification.
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 $25.62 and its highest was $35.41 in the past 12 months.
What is Central Pacific Financial Corp’s market cap?
Central Pacific Financial Corp’s market cap is $908.84M.
When is Central Pacific Financial Corp’s upcoming earnings report date?
Central Pacific Financial Corp’s upcoming earnings report date is Jul 29, 2026 which is in 83 days.
How were Central Pacific Financial Corp’s earnings last quarter?
Central Pacific Financial Corp released its earnings results on Apr 29, 2026. The company reported $0.78 earnings per share for the quarter, beating the consensus estimate of $0.737 by $0.043.
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 0.78.
How many shares outstanding does Central Pacific Financial Corp have?
Central Pacific Financial Corp has 26,101,229 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 $0.78 in its last earnings report, beating expectations of $0.737. Following the earnings report the stock price went down -1.242%.
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
Outperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$37.00 (6.17% Upside)
$37.00 (6.17% Upside)
Blogger Sentiment
Neutral
CPF Sentiment 50%
Sector Average ―
Sector Average ―
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
13.73%
Trailing 12-Months
Asset Growth
1.22%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed generally positive results driven by strong earnings, solid capital and liquidity positions, loan and deposit growth, and low credit stress. Offsetting items included moderation in new loan yields, some sequential decline in other operating income (BOLI-related), and modest expected expense growth. These negatives were described as manageable and mostly isolated, while management maintained constructive guidance for net interest income and capital deployment (dividends and buybacks).View all CPF earnings summariesCPF Stock 12 Month Forecast
Average Price Target
$37.00
▲(6.17% Upside)
Technical Analysis
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Ownership Overview
2.88% Insiders
21.65% Mutual Funds
0.84% Other Institutional Investors
42.12% Public Companies and
Individual Investors