Central Pacific Financial Corp (CPF)
NYSE:CPF
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Central Pacific Financial
(NYSE:CPF)
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Rating:68Neutral
Price Target:
$35.00
â–²(5.14% Upside)
Action:DowngradedDate:02/28/26
Overall score reflects solid underlying financial performance and a supportive valuation (modest P/E with a meaningful dividend), reinforced by a positive earnings call highlighting margin expansion and capital return. The score is tempered by uneven cash-flow trends and only mixed near-term technicals, plus conservative growth guidance driven by loan runoff and funding timing.
Positive Factors
Low-cost core deposit franchise
A 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.
Negative Factors
Loan balance decline and runoff
Significant 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Low-cost core deposit franchise
A 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.
Read all positive factors
Central Pacific Financial (CPF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$896.73M
Dividend Yield3.39%
Average Volume (3M)159.72K
Price to Earnings (P/E)10.7
Beta (1Y)0.87
Revenue Growth1.22%
EPS Growth15.97%
CountryUS
Employees697
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.85
Shares Outstanding26,289,976
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 Cap1.06
Enterprise Value/Revenue2.62
Enterprise Value/Gross Profit3.44
Enterprise Value/Ebitda8.90
Forecast
1Y Price Target
$37.00Price Target Upside11.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.24
Revenue Forecast (FY)$306.77M
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
Central Pacific Financial generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees and other banking services. The key revenue streams include interest earned on personal loan...
Central Pacific Financial Earnings Call Summary
Earnings Call Date:Jan 27, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
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.Positive Updates
Strong Quarterly and Annual Profitability
Q4 net income of $22.9M (85¢ per diluted share) versus $18.6M (69¢) in prior quarter, a ~23.1% quarter-over-quarter increase; full-year 2025 net income of $77.5M ($2.86 per diluted share).
Negative Updates
Decline in Total Loan Balances
Total loan portfolio declined $78M sequentially in Q4 and declined $44M for full-year 2025; Q4 included approximately $250M of loan runoff and several large construction and commercial mortgage payoffs.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Quarterly and Annual Profitability
Q4 net income of $22.9M (85¢ per diluted share) versus $18.6M (69¢) in prior quarter, a ~23.1% quarter-over-quarter increase; full-year 2025 net income of $77.5M ($2.86 per diluted share).
Read all positive updates
Company Guidance
Management guided conservatively for 2026 to low single‑digit net loan and deposit growth, about a 4–6% increase in full‑year net interest income with NIM expected to expand (Q1 NIM +2–5 bps), and cycle‑to‑date deposit beta roughly 25–30% (deposit spot rate 12/31 = 89 bps; average deposit cost down to 94 bps from 102 bps); they expect total other operating income to grow ~1–2% in 2026, will prioritize capital for organic loan growth, dividends and buybacks while targeting CET1 of 11–12% (total risk‑based capital 14.8%), approved up to $55M in repurchases after buying 788,000 shares for $23.3M and declared a Q1 dividend of $0.29/share (+3.6% q/q).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
33.29
Price Trends
32.31
Positive
31.58
Positive
30.06
Positive
Market Momentum
0.21
Negative
66.01
Neutral
89.81
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 33.29 is above the 20-day moving average (MA) of 31.51, above the 50-day MA of 32.31, and above the 200-day MA of 30.06, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 66.01 is Neutral, neither overbought nor oversold. The STOCH value of 89.81 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $1.06B | 10.55 | 13.05% | 3.21% | 3.86% | 12.33% | |
74 Outperform | $1.26B | 9.00 | 13.88% | 1.70% | 4.33% | -2.20% | |
71 Outperform | $1.15B | 11.89 | 7.51% | 3.91% | 8.27% | 54.96% | |
68 Neutral | $896.73M | 10.73 | 11.65% | 3.39% | 1.22% | 15.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $911.06M | 11.38 | 8.80% | 0.38% | 6.48% | 8.78% | |
53 Neutral | $902.09M | -5.75 | -20.64% | 3.50% | -78.64% | -913.67% |
* Financial Sector Average
CPF
Central Pacific Financial
33.92
10.67
45.88%
HFWA
Heritage Financial
27.86
7.69
38.14%
HBNC
Horizon Bancorp
17.61
5.10
40.74%
MCB
Metropolitan Bank Holding
90.06
40.88
83.14%
AMAL
Amalgamated Bank
42.24
16.49
64.06%
HBT
HBT Financial
28.67
8.04
38.99%
Central Pacific Financial Corporate Events
Stock BuybackDividendsFinancial Disclosures
Central Pacific Financial posts strong Q4 and 2025 results
Positive
Jan 28, 2026
On January 28, 2026, Central Pacific Financial reported strong fourth-quarter and full-year 2025 results, with quarterly net income rising to $22.9 million, or $0.85 per diluted share, and full-year net income climbing to $77.5 million, or $2.86 p...
Business Operations and Strategy
Central Pacific Financial Unveils Strategic Plans for Growth
Positive
Dec 16, 2025
Central Pacific Financial Corp. announced its intention to present a slide presentation in various meetings during December 2025, which contains forward-looking statements about the company’s financial projections and strategic plans. The co...
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.