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 - $37.01
Previous CloseN/A
Volume23.48K
Average Volume (3M)159.72K
Market Cap
$935.73M
Enterprise Value$621.88M
Total Cash (Recent Filing)$893.71M
Total Debt (Recent Filing)$101.62M
Price to Earnings (P/E)11.7
Beta0.87
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/Revenue1.71
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda5.50
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)$304.54M
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 $37.01 in the past 12 months.
What is Central Pacific Financial Corp’s market cap?
Central Pacific Financial Corp’s market cap is $935.73M.
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 38 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 $0.29 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 -1.244%.
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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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 204.2K 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 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
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
2.87% Insiders
21.44% Mutual Funds
21.90% Other Institutional Investors
20.75% Public Companies and
Individual Investors