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Central Pacific Financial Corp. (CPF)

NYSE: CPF · USD

$38.0

+0.15 (+0.4%)· Recorded snapshot

Market cap	977.6M
Revenue (ttm)	292.5M
Net income (ttm)	87.2M
EPS (ttm)	$3.31
Shares out	25.7M
P/E (trailing)	11.5x
P/E (forward)	10.8x
Dividend	$1.20 (3.16%)
Volume	155,933
Beta	0.86

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Acquisto forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Acquisto forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantenere

Metric	Value
Amount currency	USD
CIK code	0000701347
Company name	Central Pacific Financial Corp.
Country	United States
Country code	US
CUSIP number	154760409
Earnings date	2026-10-28
Earnings time	bmo
Employees	763
Employees change	22
Employees growth	2.97%
Enterprise value	$717.8M
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1954
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1547604090
Last 10-K release date	2026-02-27
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split date	2011-02-03
Last stock split type	Reverse
Market cap	$977.6M
Market cap category	Small-Cap
Next earnings date	2027-01-27
Options	Yes
Price	$37.97
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	CPF
U.S. state	Hawaii
Website	https://www.cpb.bank

Metric

Value

Amount currency

USD

CIK code

0000701347

Company name

Central Pacific Financial Corp.

Country

United States

Country code

CUSIP number

154760409

Earnings date

2026-10-28

Earnings time

bmo

Employees

763

Employees change

Employees growth

2.97%

Enterprise value

$717.8M

Exchange

NYSE

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-09

Fiscal year end

December

Founded

1954

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US1547604090

Last 10-K release date

2026-02-27

Last earnings date

2026-10-28

Last refreshed

2026-10-28

Last stock split date

2011-02-03

Last stock split type

Reverse

Market cap

$977.6M

Market cap category

Small-Cap

Next earnings date

2027-01-27

Options

Yes

Price

$37.97

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-10-28

Symbol

CPF

U.S. state

Hawaii

Website

https://www.cpb.bank

Metric	Value
Adjusted P/E ratio	11.47x
Average P/E ratio (10Y)	12.68x
Average P/E ratio (3Y)	11.58x
Average P/E ratio (5Y)	10.04x
Earnings yield	8.72%
EV/Earnings	8.21x
EV/FCF	7.31x
EV/Sales	2.45x
FCF / EV yield	13.68%
FCF yield	10.03%
Forward EV/Sales	2.29x
Forward P/E	10.85x
Forward P/S	3.11x
Graham number	41.21101
Graham upside	8.74%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$16.56
Lynch upside	-56.3%
P/B ratio	1.66x
P/E ratio	11.46x
P/FCF ratio	9.97x
P/OCF ratio	9.46x
P/S ratio	3.34x
PEG ratio	1.8x
Price / tangible book value	1.68x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

11.47x

Average P/E ratio (10Y)

12.68x

Average P/E ratio (3Y)

11.58x

Average P/E ratio (5Y)

10.04x

Earnings yield

8.72%

EV/Earnings

8.21x

EV/FCF

7.31x

EV/Sales

2.45x

FCF / EV yield

13.68%

FCF yield

10.03%

Forward EV/Sales

2.29x

Forward P/E

10.85x

Forward P/S

3.11x

Graham number

41.21101

Graham upside

8.74%

Industry forward P/E

9.97x

Industry P/E

11.81x

Lynch fair value

$16.56

Lynch upside

-56.3%

P/B ratio

1.66x

P/E ratio

11.46x

P/FCF ratio

9.97x

P/OCF ratio

9.46x

P/S ratio

3.34x

PEG ratio

1.8x

Price / tangible book value

1.68x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	22.27%
FCF margin	33.98%
Operating margin	38.88%
Pretax margin	38.36%
Profit margin	29.81%
Profit per employee	$114,283
Profitable quarters	62
Profitable years	15
Revenue per employee	$383,326
ROA	1.17%
ROA (5Y)	0.93%
ROE	14.91%
ROE (5Y)	13.06%
Tax / revenue	8.54%

Metric

Value

Effective tax rate

22.27%

FCF margin

33.98%

Operating margin

38.88%

Pretax margin

38.36%

Profit margin

29.81%

Profit per employee

$114,283

Profitable quarters

Profitable years

Revenue per employee

$383,326

ROA

1.17%

ROA (5Y)

0.93%

ROE

14.91%

ROE (5Y)

13.06%

Tax / revenue

8.54%

Metric	Value
EPS growth	35.77%
EPS growth (Q)	27.77%
EPS growth (QoQ)	10%
EPS growth 10Y	8.62%
EPS growth 3Y	11.93%
EPS growth 5Y	6.12%
EPS growth quarters	6
EPS growth years	1
FCF growth	5.25%
FCF growth 3Y	-0.68%
FCF growth 5Y	14.49%
Net income growth	32.22%
Net income growth (Q)	22.62%
Net income growth (QoQ)	9.38%
Net income growth 3Y	10.87%
Net income growth 5Y	4.57%
Net income growth quarters	6
Net income growth years	1
OCF growth	0.09%
OCF growth 10Y	0.56%
OCF growth 3Y	-3.5%
OCF growth 5Y	5.52%
Revenue growth	12.2%
Revenue growth (Q)	6.07%
Revenue growth (QoQ)	2.55%
Revenue growth 10Y	4.18%
Revenue growth 3Y	5.85%
Revenue growth 5Y	2.67%
Revenue growth quarters	6
Revenue growth years	1

Metric

Value

EPS growth

35.77%

EPS growth (Q)

27.77%

EPS growth (QoQ)

10%

EPS growth 10Y

8.62%

EPS growth 3Y

11.93%

EPS growth 5Y

6.12%

EPS growth quarters

EPS growth years

FCF growth

5.25%

FCF growth 3Y

-0.68%

FCF growth 5Y

14.49%

Net income growth

32.22%

Net income growth (Q)

22.62%

Net income growth (QoQ)

9.38%

Net income growth 3Y

10.87%

Net income growth 5Y

4.57%

Net income growth quarters

Net income growth years

OCF growth

0.09%

OCF growth 10Y

0.56%

OCF growth 3Y

-3.5%

OCF growth 5Y

5.52%

Revenue growth

12.2%

Revenue growth (Q)

6.07%

Revenue growth (QoQ)

2.55%

Revenue growth 10Y

4.18%

Revenue growth 3Y

5.85%

Revenue growth 5Y

2.67%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-5.3M
EPS	$3.31
FCF per share	$3.80
Financing cash flow	$24.8M
Free cash flow	$97.9M
Gross profit	$292.5M
Income taxes	$25M
Investing cash flow	$-61.7M
Net borrowing	$-55M
Net cash flow	$66.3M
Net income	$87.2M
Operating income	$113.7M
Revenue	$292.5M

Metric

Value

Capital expenditures

$-5.3M

EPS

$3.31

FCF per share

$3.80

Financing cash flow

$24.8M

Free cash flow

$97.9M

Gross profit

$292.5M

Income taxes

$25M

Investing cash flow

$-61.7M

Net borrowing

$-55M

Net cash flow

$66.3M

Net income

$87.2M

Operating income

$113.7M

Revenue

$292.5M

Metric	Value
Book value per share	$22.79
Debt / equity	0.17
Debt / FCF	1.02
Net cash (debt)	$259.8M
Net cash / market cap	26.63%
Net cash growth	66.12%
Net debt / equity	-0.45
Net debt / FCF	-2.65
Piotroski F-Score	4
Property, plant and equipment	$122.6M
Shareholders' equity	$581.4M
Tangible book value	$581.4M
Tangible book value per share	$22.79
Total assets	$7.4B
Total cash	$359.4M
Total debt	$99.6M
Total liabilities	$6.9B
WACC	8.13%

Metric

Value

Book value per share

$22.79

Debt / equity

0.17

Debt / FCF

1.02

Net cash (debt)

$259.8M

Net cash / market cap

26.63%

Net cash growth

66.12%

Net debt / equity

-0.45

Net debt / FCF

-2.65

Piotroski F-Score

Property, plant and equipment

$122.6M

Shareholders' equity

$581.4M

Tangible book value

$581.4M

Tangible book value per share

$22.79

Total assets

$7.4B

Total cash

$359.4M

Total debt

$99.6M

Total liabilities

$6.9B

WACC

8.13%

Metric	Value
Working capital	$-6.3B

Metric

Value

Working capital

$-6.3B

Metric	Value
Buyback yield / dilution	3.15%
Dividend growth	8.41%
Dividend growth (10Y)	2.57%
Dividend growth (3Y)	3.71%
Dividend growth (5Y)	4.3%
Dividend growth years	1
Dividend payment date	2026-09-15
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$1.20
Dividend yield	3.16%
Ex-dividend date	2026-08-31
FCF payout ratio	30.5%
Last dividend	$0.30
Payout ratio	35.02%
Shareholder yield	6.31%

Metric

Value

Buyback yield / dilution

3.15%

Dividend growth

8.41%

Dividend growth (10Y)

2.57%

Dividend growth (3Y)

3.71%

Dividend growth (5Y)

4.3%

Dividend growth years

Dividend payment date

2026-09-15

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.20

Dividend yield

3.16%

Ex-dividend date

2026-08-31

FCF payout ratio

30.5%

Last dividend

$0.30

Payout ratio

35.02%

Shareholder yield

6.31%

Metric	Value
10Y price change	48.84%
10Y return CAGR	8.13%
10Y total return	118.47%
150-day SMA	$36.35
15Y price change	209.39%
15Y return CAGR	11.23%
15Y total return	393.65%
1D price change	0.4%
1M price change	2.35%
1M total return	2.35%
1W price change	2.43%
1W total return	2.43%
1Y price change	27.93%
1Y return CAGR	32.42%
1Y total return	32.4%
20-day SMA	$36.55
200-day SMA	$35.35
20Y price change	-94.9%
20Y return CAGR	-11.42%
20Y total return	-91.16%
3M price change	-3.44%
3M total return	-2.67%
3Y price change	141.3%
3Y return CAGR	39.67%
3Y total return	172.51%
50-day SMA	$37.00
50-day SMA vs 200-day SMA	50over200
52-week high	$40.99
52-week high date	2026-08-04
52-week low	$28.10
52-week low date	2025-10-29
5Y price change	42.11%
5Y return CAGR	12.07%
5Y total return	76.8%
6M price change	8.85%
6M total return	10.64%
All-time high	$810.00
All-time high date	2007-02-22
All-time low	$9.37
All-time low date	2011-10-04
Average true range (ATR)	$0.77
Average volume	141.2K
Beta (1Y)	0.13
Beta (2Y)	0.81
Beta (5Y)	0.86
Change from 52-week high	-7.37%
Change from 52-week low	35.15%
Change from all-time high	-95.34%
Change from all-time low	302.51%
Change from open	-0.99%
Day's gap	1.4%
Dollar volume	$5.9M
High price	$38.35
Low price	$37.63
Monthly RSI	64.95
Open price	$38.35
Position in 52-week range	47.22%
Premarket change	5.76%
Premarket close	$37.82
Premarket price	$40.00
Previous close	$37.82
Price vs 150-day SMA	3.76%
Price vs 20-day SMA	3.2%
Price vs 200-day SMA	6.68%
Price vs 50-day SMA	1.92%
Relative volume	1.1
RSI	60.87
Sharpe ratio	1.18
Sharpe ratio (3Y)	1.19
Sharpe ratio (5Y)	0.39
Sortino ratio	1.99
Sortino ratio (3Y)	2.05
Sortino ratio (5Y)	0.77
Volume	155.9K
Weekly RSI	57.61
YTD price change	21.04%
YTD total return	24.1%

Metric

Value

10Y price change

48.84%

10Y return CAGR

8.13%

10Y total return

118.47%

150-day SMA

$36.35

15Y price change

209.39%

15Y return CAGR

11.23%

15Y total return

393.65%

1D price change

0.4%

1M price change

2.35%

1M total return

2.35%

1W price change

2.43%

1W total return

2.43%

1Y price change

27.93%

1Y return CAGR

32.42%

1Y total return

32.4%

20-day SMA

$36.55

200-day SMA

$35.35

20Y price change

-94.9%

20Y return CAGR

-11.42%

20Y total return

-91.16%

3M price change

-3.44%

3M total return

-2.67%

3Y price change

141.3%

3Y return CAGR

39.67%

3Y total return

172.51%

50-day SMA

$37.00

50-day SMA vs 200-day SMA

50over200

52-week high

$40.99

52-week high date

2026-08-04

52-week low

$28.10

52-week low date

2025-10-29

5Y price change

42.11%

5Y return CAGR

12.07%

5Y total return

76.8%

6M price change

8.85%

6M total return

10.64%

All-time high

$810.00

All-time high date

2007-02-22

All-time low

$9.37

All-time low date

2011-10-04

Average true range (ATR)

$0.77

Average volume

141.2K

Beta (1Y)

0.13

Beta (2Y)

0.81

Beta (5Y)

0.86

Change from 52-week high

-7.37%

Change from 52-week low

35.15%

Change from all-time high

-95.34%

Change from all-time low

302.51%

Change from open

-0.99%

Day's gap

1.4%

Dollar volume

$5.9M

High price

$38.35

Low price

$37.63

Monthly RSI

64.95

Open price

$38.35

Position in 52-week range

47.22%

Premarket change

5.76%

Premarket close

$37.82

Premarket price

$40.00

Previous close

$37.82

Price vs 150-day SMA

3.76%

Price vs 20-day SMA

3.2%

Price vs 200-day SMA

6.68%

Price vs 50-day SMA

1.92%

Relative volume

1.1

RSI

60.87

Sharpe ratio

1.18

Sharpe ratio (3Y)

1.19

Sharpe ratio (5Y)

0.39

Sortino ratio

1.99

Sortino ratio (3Y)

2.05

Sortino ratio (5Y)

0.77

Volume

155.9K

Weekly RSI

57.61

YTD price change

21.04%

YTD total return

24.1%

Metric	Value
Float	22.9M
Float percentage	88.91%
Shares change (QoQ)	-1.12%
Shares change (YoY)	-3.15%
Shares held by insiders	1.58%
Shares held by institutions	88.29%
Shares outstanding	25.7M
Short % of float	3.85%
Short % of shares	3.42%
Short ratio	4.9 days

Metric

Value

Float

22.9M

Float percentage

88.91%

Shares change (QoQ)

-1.12%

Shares change (YoY)

-3.15%

Shares held by insiders

1.58%

Shares held by institutions

88.29%

Shares outstanding

25.7M

Short % of float

3.85%

Short % of shares

3.42%

Short ratio

4.9 days

Central Pacific Financial Corp. (CPF)

Price

Financial snapshot

Fair-value bridge

Latest news · CPF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CPF indicators

Profile and market data

Valuation

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Growth

Financial statements

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Dividends and buybacks

Performance and technicals

Ownership and float

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Frequently asked questions