Central Pacific Financial Corp (CPF)
NYSE:CPF
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Central Pacific Financial
(NYSE:CPF)
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Rating:74Outperform
Price Target:
$39.00
â–²(11.91% Upside)
Action:ReiteratedDate:04/29/26
The score is driven mainly by improving financial performance and constructive technical momentum (price above major moving averages with positive MACD). Valuation adds support via a low P/E and healthy dividend yield. Earnings-call guidance and sentiment are favorable, though tempered by moderation in new loan yields and uneven longer-term cash-flow trends.
Positive Factors
Net interest income and margin stability
Sustained NII and a mid‑3% NIM with explicit guidance support predictable core earnings over the next several quarters. Stable NIM plus management's NII growth target provides structural revenue visibility from loan repricing and higher-yield securities purchases, underpinning earnings durability.
Negative Factors
Pressure on new loan yields
Material slowdown in new loan yields reduces the forward path for NII and limits margin upside from loan growth. If competitive pressure persists, it can structurally compress loan spreads and slow recovery to prior‑cycle margins, making earnings more dependent on securities and cost control.
Read all positive and negative factors
Positive Factors
Negative Factors
Net interest income and margin stability
Sustained NII and a mid‑3% NIM with explicit guidance support predictable core earnings over the next several quarters. Stable NIM plus management's NII growth target provides structural revenue visibility from loan repricing and higher-yield securities purchases, underpinning earnings durability.
Read all positive factors
Central Pacific Financial (CPF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$903.60M
Dividend Yield3.39%
Average Volume (3M)159.72K
Price to Earnings (P/E)10.7
Beta (1Y)0.89
Revenue Growth6.06%
EPS Growth45.81%
CountryUS
Employees697
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.78
Shares Outstanding26,436,625
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 Ratio9.66
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue2.32
Enterprise Value/Gross Profit3.04
Enterprise Value/Ebitda7.87
Forecast
1Y Price Target
$37.00Price Target Upside6.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.25
Revenue Forecast (FY)$306.17M
Central Pacific Financial Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
CPF primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest driver for many banks and is earned from the spread between interest received on ...
Central Pacific Financial Earnings Call Summary
Earnings Call Date:Apr 29, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
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).Positive Updates
Solid Quarterly Earnings and EPS Growth
Net income of $20.7 million and diluted EPS of $0.78, representing a 20% increase in EPS year-over-year; return on average assets 1.12% and return on average equity 13.9%.
Negative Updates
Moderation in New Loan Yields
Weighted average new loan yield declined to 6.0% in Q1 from 6.8% in Q4 (down ~80 basis points), reflecting competitive pressure and moderating repricing.
Read all updates
Q1-2026 Updates
Positive
Negative
Solid Quarterly Earnings and EPS Growth
Net income of $20.7 million and diluted EPS of $0.78, representing a 20% increase in EPS year-over-year; return on average assets 1.12% and return on average equity 13.9%.
Read all positive updates
Company Guidance
Management guided Q2 NIM of 3.50%–3.55% and reiterated full‑year net interest income growth of 4%–6% versus the prior year, with full‑year loan and deposit growth maintained in the low single‑digit percentage range and NIM expected to remain in the mid‑3% area; deposit cost was ~0.90% (March spot) with modest CD repricing potential as about $480M (just under 50% of CDs) matures in Q2 at a 2.8% WAC versus blended new CD rates of ~2.5%, and management expects continued positive lift from back‑book loan repricing and securities (Q1 average loan yield 4.93%, Q1 new loan yield 6%, typical loan runoff ~$200–250M/quarter, securities cash flows ~$30M/quarter at ~2.8% with new purchase yields ~5%). They forecast modest full‑year other operating income growth, operating expense growth of roughly 2.5%–3.5% from 2025 normalized, a normalized effective tax rate near 22%–23%, and unchanged capital priorities — a $0.29/share quarterly dividend (Q1 paid $0.29; Q2 declared $0.29), continued share repurchases (Q1 repurchases ~321k shares for $10.5M; $44.5M remaining authorization) and $100M–$150M of excess liquidity available to deploy.Central Pacific Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 362.32M | 340.48M | 319.63M | 277.04M | 259.86M |
| Gross Profit | 275.80M | 236.47M | 231.71M | 261.50M | 267.00M |
| EBITDA | 100.68M | 77.15M | 84.47M | 106.93M | 116.10M |
| Net Income | 77.48M | 53.41M | 58.67M | 73.93M | 79.89M |
Balance Sheet | |||||
| Total Assets | 7.41B | 7.47B | 7.64B | 7.43B | 7.42B |
| Cash, Cash Equivalents and Short-Term Investments | 836.41M | 924.80M | 1.17B | 783.84M | 1.96B |
| Total Debt | 127.64M | 188.37M | 186.74M | 146.75M | 146.35M |
| Total Liabilities | 6.82B | 6.93B | 7.14B | 6.98B | 6.86B |
| Stockholders Equity | 592.58M | 538.38M | 503.81M | 452.87M | 558.22M |
Cash Flow | |||||
| Free Cash Flow | 86.10M | 75.43M | 92.46M | 95.68M | 88.33M |
| Operating Cash Flow | 97.47M | 90.52M | 105.11M | 114.12M | 110.49M |
| Investing Cash Flow | 67.19M | 654.00K | 179.66M | -384.48M | -662.30M |
| Financing Cash Flow | -166.94M | -232.67M | 125.62M | 53.50M | 776.65M |
Central Pacific Financial Technical Analysis
Positive
34.85
Price Trends
32.54
Positive
31.96
Positive
30.30
Positive
Market Momentum
0.68
Negative
73.77
Negative
88.84
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CPF, the sentiment is Positive. The current price of 34.85 is above the 20-day moving average (MA) of 32.70, above the 50-day MA of 32.54, and above the 200-day MA of 30.30, indicating a bullish trend. The MACD of 0.68 indicates Negative momentum. The RSI at 73.77 is Negative, neither overbought nor oversold. The STOCH value of 88.84 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CPF.
Central Pacific Financial Risk Analysis
Central Pacific Financial disclosed 48 risk factors in its most recent earnings report. Central Pacific Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Central Pacific Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.21B | 11.49 | 13.37% | 1.70% | 6.23% | 2.16% | |
75 Outperform | $1.02B | 19.79 | 10.87% | 3.21% | 4.14% | -9.04% | |
74 Outperform | $903.60M | 10.73 | 13.43% | 3.39% | 6.06% | 45.81% | |
74 Outperform | $1.11B | 7.07 | 10.95% | 0.38% | 9.48% | 37.91% | |
73 Outperform | $1.12B | 13.27 | 7.58% | 3.91% | 8.28% | 37.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $917.46M | 8.07 | -20.89% | 3.50% | -71.39% | -406.48% |
* Financial Sector Average
CPF
Central Pacific Financial
34.18
9.41
38.01%
HFWA
Heritage Financial
27.21
5.31
24.22%
HBNC
Horizon Bancorp
17.91
3.79
26.86%
MCB
Metropolitan Bank Holding
88.70
27.18
44.17%
AMAL
Amalgamated Bank
40.37
12.74
46.11%
HBT
HBT Financial
27.98
5.58
24.91%
Central Pacific Financial Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Central Pacific Financial Reports Solid First-Quarter 2026 Results
Positive
Apr 29, 2026
Central Pacific Financial reported first-quarter 2026 net income of $20.7 million, or $0.78 per diluted share, on April 29, 2026, with returns on average assets and equity of 1.12% and 13.90%, respectively, supported by a 3.53% net interest margin...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.