Central Pacific Financial Corp. CPF R2K

Financial Services · Banks - Regional · United States

https://www.cpb.bank

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.

Market & Price

Market Cap

$896.84M

Current Price

$34.36

High / Low (52W)

$34.87 / $24.94

Beta

0.84

Valuation

Stock P/E

11.49

Industry PE

12.01

Forward P/E

9.63

PEG Ratio

1.97

Book Value

$22.74

Price to Book

1.51

P/S

3.17

EV/EBITDA

Dividend Yield

3.38%

Profitability & Returns

ROCE

ROE

13.98%

ROA

1.08%

Profit Margin

28.43%

Op Margin

38.13%

EPS (Latest Qtr)

$0.78

EPS (TTM)

$2.99

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$104.58M

Total Assets

$7.41B

Current Assets

Working Capital

Ownership

Promoter Holding

1.88%

Chg in Prom Hold

FII / Inst Holding

95.97%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$587.31M

Total Revenue (TTM)

$282.94M

EBITDA

Free Cash Flow

Operating Cash Flow

$95.35M

Shares Outstanding

26.10M

Gross Margin

0.00%

Payout Ratio

37.12%

Growth (CAGR)

Revenue 5Y

3.54%

Profit 5Y

1.58%

Revenue (YoY)

9.20%

Earnings (YoY)

20.00%

PROS

Excellent profit margin of 28.4%.
Attractive dividend yield of 3.38%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CPF Central Pacific Financial Corp. R2K	34.36	11.49	$896.84M	3.38%	-	13.98%	3.54%	1.58%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.01M	10.44M	10.05M	11.24M	12.12M	-	-	67.60M	71.53M	73.53M	75.89M	71.81M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.51M	18.32M	18.66M	16.79M	15.74M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.55M	23.88M	23.64M	28.21M	26.91M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.79M	5.61M	5.07M	5.34M	6.19M
Net Income	10.93M	11.18M	12.14M	11.47M	12.21M	13.08M	12.03M	11.81M	4.29M	14.28M	14.22M	15.19M	15.79M	16.04M	13.53M	14.55M	14.20M	8.33M	9.92M	6.86M	12.17M	18.04M	18.71M	20.82M	22.33M	19.44M	17.59M	16.71M	16.19M	14.47M	13.14M	12.95M	15.82M	-	-	17.76M	18.27M	18.57M	22.88M	20.73M
Diluted EPS	0.34	0.35	0.39	0.37	0.39	0.42	0.39	0.39	0.14	0.48	0.48	0.52	0.54	0.55	0.47	0.51	0.50	0.29	0.35	0.24	0.43	0.64	0.66	0.74	0.80	0.70	0.64	0.61	0.60	0.53	0.49	0.48	0.58	-	-	0.65	0.67	0.69	0.85	0.78

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	259.95M	246.97M	246.11M	288.56M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	17.09M	72.66M	94.37M	73.28M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	98.77M	76.82M	68.04M	98.28M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	24.84M	18.15M	14.63M	20.80M
Net Income	-	-250.95M	36.57M	47.42M	172.07M	40.45M	45.87M	46.99M	41.20M	59.49M	58.32M	37.27M	-	73.93M	58.67M	53.41M	77.48M
Diluted EPS	-220.56	-171.13	3.31	1.13	4.07	1.07	1.40	1.50	1.34	2.01	2.03	1.32	-	2.68	2.17	1.97	2.86

Compounded Sales Growth

5 Years:	3.54%
1 Year:	9.20%

Compounded Profit Growth

5 Years:	1.58%
1 Year:	20.00%

Stock Price Performance

1 Year:	+33.26%
6 Months:	+15.77%
3 Months:	+8.79%
1 Month:	+1.37%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.94B	4.13B	4.37B	4.74B	4.85B	5.13B	5.38B	5.62B	5.81B	6.01B	6.59B	-	7.43B	7.64B	7.47B	7.41B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	107.75M	488.37M	790.74M	257.07M	177.38M	49.35M	86.01M	80.19M	84.34M	82.29M	102.19M	-	-	-	112.04M	522.44M	380.94M	378.65M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.34M	21.51M	23.38M	23.56M
Total Liabilities	-	-	3.86B	3.67B	3.86B	4.08B	4.28B	4.64B	4.88B	5.12B	5.32B	5.48B	6.05B	-	6.98B	7.14B	6.93B	6.82B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	459.80M	158.30M	108.28M	92.80M	92.78M	92.78M	92.78M	92.78M	122.17M	101.55M	0	-	105.86M	156.10M	156.34M	76.55M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	146.75M	186.74M	188.37M	102.10M
Total Equity	-	-	66.05M	456.44M	504.82M	660.11M	568.04M	494.61M	504.65M	500.01M	491.73M	528.52M	546.73M	-	452.87M	503.81M	538.38M	592.58M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.03M	27.05M	27.07M	26.37M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	131.07M	221.43M	23.12M	-	-	-	-	-	96.78M	103.49M	72.19M	76.79M	-	114.12M	105.11M	90.52M	97.47M
Investing Cash Flow	486.02M	755.63M	-687.24M	-	-	-	-	-	-296.13M	-211.14M	-128.97M	-596.95M	-	-384.48M	179.66M	654.00K	67.19M
Financing Cash Flow	-236.47M	-674.69M	130.45M	-	-	-	-	-	197.29M	127.55M	57.57M	521.25M	-	53.50M	125.62M	-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	-	-18.44M	-12.65M	-15.09M	-5.16M
Free Cash Flow	124.93M	219.48M	22.38M	-	-	-	-	-	90.25M	100.26M	65.00M	50.80M	-	95.68M	92.46M	75.43M	92.30M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-216.86M	410.39M	-141.50M	-2.29M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	28.4%	23.8%	21.7%	26.9%
ROE %	-	-379.9%	8.0%	9.4%	26.1%	7.1%	9.3%	9.3%	8.2%	12.1%	11.0%	6.8%	-	16.3%	11.6%	9.9%	13.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.88%

Institutions

95.97%

Public Float

97.80%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.90%	3.89M	$133.59M
2	Holdco Asset Management, LP	9.30%	2.43M	$83.41M
3	State Street Corporation	4.86%	1.27M	$43.55M
4	Dimensional Fund Advisors LP	4.75%	1.24M	$42.57M
5	Vanguard Capital Management LLC	4.33%	1.13M	$38.82M
6	American Century Companies Inc	3.45%	900.75K	$30.95M
7	Charles Schwab Investment Management, Inc.	3.27%	853.39K	$29.32M
8	Vanguard Portfolio Management LLC	2.84%	740.65K	$25.45M
9	Basswood Capital Management, L.L.C.	2.80%	731.53K	$25.14M
10	Geode Capital Management, LLC	2.74%	714.83K	$24.56M

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