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Central Pacific Financial Corp. CPF R2K

Financial Services · Banks - Regional · United States
https://www.cpb.bank
Company Profile ↓
$38.29
+34.91% 1Y
Mkt Cap$999.42M
P/E12.81
P/B1.61
Div. Yield3.17%
52W High$38.90
52W Low$25.25
Book Value$22.74
EPS (TTM)$2.99

Company Overview

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 11.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.8, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 28.4%.

Dividend Income

Offers a dividend yield of 3.17%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $51.82M (+33.8% YoY); net profit $77.48M.
  • Trailing 12 Months Year-on-year growth — revenue +9.2%, earnings +20.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.2%, profit CAGR 15.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.24%
1 Year:9.20%

Compounded Profit Growth

5 Years:15.76%
1 Year:20.00%

Stock Price Performance

1 Year:+34.91%
6 Months:+21.98%
3 Months:+13.93%
1 Month:+5.60%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 96% of range
$25.25 $38.90
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.81 · Neutral
Price Performance
1M+5.60%
3M+13.93%
6M+21.98%
1Y+34.91%
Valuation vs Sector

P/E of 12.81 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.4%.
  • Compounding revenue at 11.2% over 5 years.
  • Profit CAGR of 15.8% over 5 years.
  • Attractive dividend yield of 3.17%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.81
Industry PE
13.30
Forward P/E
10.74
PEG Ratio
1.97
Book Value
$22.74
Price to Book
1.61
P/S
3.38
EV/EBITDA
-
Dividend Yield
3.17%

Growth (CAGR)

Revenue 5Y
11.24%
Profit 5Y
15.76%
Revenue (YoY)
9.20%
Earnings (YoY)
20.00%

Profitability & Returns

ROCE
-
ROE
13.98%
ROA
1.08%
Profit Margin
28.43%
Op Margin
38.13%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.78
EPS (TTM)
$2.99

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$104.58M
Total Assets
$7.50B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.88%
Chg in Prom Hold
-
FII / Inst Holding
95.96%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$999.42M
Total Revenue (TTM)
$282.94M
EBITDA
-
Free Cash Flow
$92.30M
Operating Cash Flow
$95.35M
Shares Outstanding
26.10M
Gross Margin
0.00%
Payout Ratio
37.12%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CPF Central Pacific Financial Corp. R2K 38.29 12.81 $999.42M 3.17% - 13.98% 11.24% 15.76%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------------------------11.01M10.44M10.05M11.24M12.12M12.73M11.10M13.01M13.51M11.57M
Net Income 12.34M12.21M10.93M11.18M12.14M11.47M12.21M13.08M12.03M11.81M4.29M14.28M14.22M15.19M15.79M16.04M13.53M14.55M14.20M8.33M9.92M6.86M12.17M18.04M18.71M20.82M22.33M19.44M17.59M16.71M16.19M14.47M13.14M12.95M15.82M13.30M17.76M18.27M18.57M20.73M
Diluted EPS 0.390.380.340.350.390.370.390.420.390.390.140.480.480.520.540.550.470.510.500.290.350.240.430.640.660.740.800.700.640.610.600.530.490.480.580.490.650.670.690.78

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------24.59M26.04M23.81M43.06M47.92M46.66M38.72M51.82M
Net Income -321.69M-250.95M36.57M47.42M172.07M40.45M45.87M46.99M41.20M59.49M58.32M37.27M79.89M73.93M58.67M53.41M77.48M
Diluted EPS -220.56-171.133.311.134.071.071.401.501.342.012.031.322.832.682.171.972.86

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.94B4.13B4.37B4.74B4.85B5.13B5.38B5.62B5.81B6.01B6.59B7.42B7.43B7.64B7.47B7.41B
Total Equity 536.34M345.99M66.05M456.44M504.82M660.11M568.04M494.61M504.65M500.01M491.73M528.52M546.73M558.27M452.87M503.81M538.38M592.58M
Cash & Equivalents 107.75M488.37M790.74M257.07M177.38M49.35M86.01M80.19M84.34M82.29M102.19M-------
Long Term Debt --459.80M158.30M108.28M92.80M92.78M92.78M92.78M92.78M122.17M101.55M0105.62M105.86M156.10M156.34M76.55M
Total Liabilities --3.86B3.67B3.86B4.08B4.28B4.64B4.88B5.12B5.32B5.48B6.05B6.86B6.98B7.14B6.93B6.82B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 131.07M221.43M23.12M-----96.78M103.49M72.19M76.79M110.49M114.12M105.11M90.52M97.47M
Investing Cash Flow 486.02M755.63M-687.24M------296.13M-211.14M-128.97M-596.95M-662.30M-384.48M179.66M654.00K67.19M
Financing Cash Flow -236.47M-674.69M130.45M-----197.29M127.55M57.57M521.25M776.65M53.50M125.62M-232.67M-166.94M
Capital Expenditure -6.13M-1.95M-747.00K-3.70M-6.29M-6.02M-5.82M-5.90M-6.53M-3.23M-7.20M-26.00M-22.16M-18.44M-12.65M-15.09M-5.16M
Free Cash Flow 124.93M219.48M22.38M-----90.25M100.26M65.00M50.80M88.33M95.68M92.46M75.43M92.30M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------242.0%224.0%156.5%185.5%154.3%125.7%137.9%149.5%
ROE % -93.0%-379.9%8.0%9.4%26.1%7.1%9.3%9.3%8.2%12.1%11.0%6.8%14.3%16.3%11.6%9.9%13.1%
ROCE % -----------------

Shareholding Pattern

Insiders
1.88%
Institutions
95.96%
Public Float
97.80%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.90% 3.89M $148.98M
2 Holdco Asset Management, LP 9.30% 2.43M $93.02M
3 State Street Corporation 4.86% 1.27M $48.57M
4 Dimensional Fund Advisors LP 4.75% 1.24M $47.48M
5 Vanguard Capital Management LLC 4.33% 1.13M $43.30M
6 American Century Companies Inc 3.45% 900.75K $34.52M
7 Charles Schwab Investment Management, Inc. 3.27% 853.39K $32.70M
8 Vanguard Portfolio Management LLC 2.84% 740.65K $28.38M
9 Basswood Capital Management, L.L.C. 2.80% 731.53K $28.03M
10 Geode Capital Management, LLC 2.74% 714.83K $27.39M

Analyst View

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Latest News

Recent headlines for CPF

Google News Sat, 11 Jul 2026

Benchmark Upgrades CPB (NYSE:CPF) to "Strong-Buy" - MarketBeat

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Google News Fri, 10 Jul 2026

Price to earnings forward of Central Pacific Financial Corp New – NYSE:CPF - TradingView

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Google News ue, 10 Feb 2026

Investing CPF in Stocks: Does It Really Beat CPF Interest Rates Over Time? - Yahoo Finance Singapore

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Google News hu, 09 Jul 2026

CPF Initiated Coverage by Benchmark -- Price Target Set at $44.0 - GuruFocus

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Google News Sun, 05 Jul 2026

Central Pacific Financial (CPF) Following New Control Agreements And A Valuation Near Fair Value - simplywall.st

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Google News Mon, 06 Jul 2026

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CPF — Frequently Asked Questions

What is the current share price of Central Pacific Financial Corp. (CPF)?

As of 2026-07-14 21:23 PDT, Central Pacific Financial Corp. (CPF) trades at $38.29 on NYSE. Its 52-week range is $25.25 to $38.90.

What is the market capitalisation of CPF?

Central Pacific Financial Corp. (CPF) has a market capitalisation of $999.42M on NYSE.

What is the P/E ratio of CPF?

CPF trades at a trailing price-to-earnings (P/E) ratio of 12.81. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.61.

Does CPF pay a dividend?

Central Pacific Financial Corp. (CPF) currently offers a dividend yield of 3.17%.

What is the return on equity (ROE) of CPF?

CPF has a return on equity (ROE) of 13.98%.

Is CPF a good stock to buy?

This page provides a data-driven analysis of Central Pacific Financial Corp. (CPF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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