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CPF Stock Chart & Stats
$38.65
$0.34(0.88%)
At close: 4:00 PM EDT
$38.65
$0.34(0.88%)
Day’s Range― - ―
52-Week Range$25.62 - $40.31
Previous CloseN/A
Volume71.58K
Average Volume (3M)159.72K
Market Cap
$1.03B
Enterprise Value$1.00K
Total Cash (Recent Filing)$1.76B
Total Debt (Recent Filing)$100.61M
Price to Earnings (P/E)12.5
Beta0.89
Next Earnings
Oct 28, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield2.87%
Share Statistics
EPS (TTM)3.14
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$43.00Price Target Upside11.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.3
Revenue Forecast (FY)$305.36M
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthCPF’s materially lower leverage and rising ROE reflect a conservatively structured balance sheet that reduces solvency risk and increases strategic optionality. This durable capital strength supports lending flexibility, capacity for credit stress absorption, and sustained shareholder returns over the medium term.
Consistent Profitability And Revenue MomentumSteady revenue growth and robust margins indicate the business continues to generate recurring earnings and internal funding. Sustained profitability underpins reinvestment in technology and branches, funds dividends and buybacks, and provides a buffer against cyclical softness over the next several quarters.
Stable Low-cost Funding And Strong Capital ReturnsA high core-deposit base and low deposit cost promote margin stability and predictable funding. Combined with a solid CET1 buffer and active buybacks/dividend growth, this positions CPF to support shareholder returns while retaining capital flexibility to fund organic loan growth and strategic investments.
Bears Say
Weak Near-term Loan GrowthLagging loan origination constrains the primary engine for net interest income expansion. If loan fundings remain muted amid competitive pricing, revenue scalability will be limited and the bank may need to lean on margin expansion or noninterest income to sustain earnings growth over the medium term.
Concentration Of Criticized CreditsConcentration of stressed credits in a small regional portfolio raises loss volatility risk; a handful of troubled loans can disproportionately increase provisions or charge-offs. For a regional bank with limited diversification, this elevates credit-risk monitoring needs and could pressure capital or earnings if stress widens.
Volatile Cash Flow And Rising Operating CostsIrregular free cash flow reduces visibility into the bank’s ability to self-fund growth and shareholder returns consistently. Coupled with rising operating expenses (deferred comp and tech investments), this volatility could constrain discretionary capital deployment or force higher provisioning in stressed periods.
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 $40.31 in the past 12 months.
What is Central Pacific Financial Corp’s market cap?
Central Pacific Financial Corp’s market cap is $1.03B.
When is Central Pacific Financial Corp’s upcoming earnings report date?
Central Pacific Financial Corp’s upcoming earnings report date is Oct 28, 2026 which is in 86 days.
How were Central Pacific Financial Corp’s earnings last quarter?
Central Pacific Financial Corp released its earnings results on Jul 24, 2026. The company reported $0.8 earnings per share for the quarter, beating the consensus estimate of $0.782 by $0.018.
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 $0.3 which represents an annual dividend yield of 2.87%. 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 0.85.
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 $0.8 in its last earnings report, beating expectations of $0.782. Following the earnings report the stock price went down -0.078%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$43.00 (11.25% Upside)
$43.00 (11.25% Upside)
Blogger Sentiment
Neutral
CPF Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 204.2K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.10%
12-Months-Change
Fundamentals
Return on Equity
2.87%
Trailing 12-Months
Asset Growth
1.78%
Trailing 12-Months
Company Description
Central Pacific Financial Corp
Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.
CPF Company Deck
CPF Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a generally positive operational and financial picture: solid earnings growth (19% YoY EPS), modest NIM expansion, strong capital ratios, active capital return via dividends and buybacks, and stable asset quality. Headwinds include flat loan growth in the quarter (timing-related), a rise in criticized loans concentrated in a few Hawaii credits, higher operating expenses due to deferred compensation and ongoing technology investments, and limited near-term NIM upside due to competitive pressure. Overall, the positives (strong earnings, capital strength, shareholder returns, and constructive outlook for H2 loan fundings) outweigh the moderate challenges.View all CPF earnings summariesCPF Stock 12 Month Forecast
Average Price Target
$43.00
▲(11.25% Upside)
Technical Analysis
Heritage Financial
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Metropolitan Bank Holding
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Amalgamated Bank
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HBT Financial
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Ownership Overview
2.87% Insiders
20.48% Mutual Funds
1.34% Other Institutional Investors
42.03% Public Companies and
Individual Investors