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CPF Stock Chart & Stats
$38.65
$0.34(0.88%)
At close: 4:00 PM EDT
$38.65
$0.34(0.88%)
Day’s Range― - ―
52-Week Range$27.38 - $40.99
Previous CloseN/A
Volume71.58K
Average Volume (3M)159.72K
Market Cap
$1.00B
Enterprise Value$1.00K
Total Cash (Recent Filing)$1.76B
Total Debt (Recent Filing)$100.61M
Price to Earnings (P/E)12.3
Beta0.85
Next Earnings
Oct 28, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield2.92%
Share Statistics
EPS (TTM)3.14
Shares Outstanding25,747,433
10 Day Avg. Volume241,833
30 Day Avg. Volume159,718
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.42
Price to Sales (P/S)2.32
P/FCF Ratio9.09
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$43.00Price Target Upside11.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.3
Revenue Forecast (FY)$305.36M
Bulls Say, Bears Say
Bulls Say
Strong Capital RatiosA CET1 ratio of 12.7% and total risk-based capital of 14.8% provide durable loss-absorption and strategic optionality. These buffers support continued dividends and buybacks, enable measured loan growth or opportunistic acquisitions, and reduce regulatory constraints across economic cycles.
Conservative LeverageA low debt-to-equity (~0.17) signals conservative financial structure and low refinancing risk. This durable balance-sheet positioning supports higher resilience to rate or credit shocks, preserves capital flexibility for lending and shareholder returns, and underpins stable funding costs.
Strong Cash GenerationConsistent operating cash flow and rising free cash flow strengthen earnings quality and fund dividends, buybacks and loan growth without excessive external financing. Durable cash conversion reduces vulnerability to temporary revenue swings and supports reinvestment in tech and talent.
Bears Say
Material Revenue DeclineA ~13% TTM revenue decline is a durable headwind for earnings momentum and limits internal funding for growth or higher expenses. If structural, lower revenue can pressure margins, constrain capital generation over multiple quarters, and heighten sensitivity to higher credit costs.
Concentrated Asset Quality RiskConcentration of criticized loans in a few local credits increases volatility and tail risk. Localized stress can force higher provisions, surprise charge-offs, and impair lending capacity to the core market, making credit losses more binary and capital generation less predictable.
Limited NIM ExpansionCompetitive loan pricing and spread compression cap durable net interest margin upside even as assets reprice. With NIM gains constrained and operating expenses rising for technology and compensation, margin sustainability and earnings leverage may remain modest absent structural deposit or pricing improvements.
Central Pacific Financial News
CPF FAQ
What was Central Pacific Financial Corp’s price range in the past 12 months?
Central Pacific Financial Corp lowest stock price was $27.38 and its highest was $40.99 in the past 12 months.
What is Central Pacific Financial Corp’s market cap?
Central Pacific Financial Corp’s market cap is $1.00B.
When is Central Pacific Financial Corp’s upcoming earnings report date?
Central Pacific Financial Corp’s upcoming earnings report date is Oct 28, 2026 which is in 74 days.
How were Central Pacific Financial Corp’s earnings last quarter?
Central Pacific Financial Corp released its earnings results on Jul 24, 2026. The company reported $0.8 earnings per share for the quarter, beating the consensus estimate of $0.782 by $0.018.
Is Central Pacific Financial Corp overvalued?
According to Wall Street analysts Central Pacific Financial Corp’s price is currently Undervalued.
Does Central Pacific Financial Corp pay dividends?
Central Pacific Financial Corp pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.92%. See more information on Central Pacific Financial Corp dividends here
What is Central Pacific Financial Corp’s EPS estimate?
Central Pacific Financial Corp’s EPS estimate is 0.85.
How many shares outstanding does Central Pacific Financial Corp have?
Central Pacific Financial Corp has 25,747,433 shares outstanding.
What happened to Central Pacific Financial Corp’s price movement after its last earnings report?
Central Pacific Financial Corp reported an EPS of $0.8 in its last earnings report, beating expectations of $0.782. Following the earnings report the stock price went down -0.078%.
Which hedge fund is a major shareholder of Central Pacific Financial Corp?
Currently, no hedge funds are holding shares in CPF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Central Pacific Financial Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$43.00 (11.25% Upside)
$43.00 (11.25% Upside)
Blogger Sentiment
Neutral
CPF Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 204.2K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.10%
12-Months-Change
Fundamentals
Return on Equity
2.92%
Trailing 12-Months
Asset Growth
1.78%
Trailing 12-Months
Company Description
Central Pacific Financial Corp
Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.
CPF Company Deck
CPF Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a generally positive operational and financial picture: solid earnings growth (19% YoY EPS), modest NIM expansion, strong capital ratios, active capital return via dividends and buybacks, and stable asset quality. Headwinds include flat loan growth in the quarter (timing-related), a rise in criticized loans concentrated in a few Hawaii credits, higher operating expenses due to deferred compensation and ongoing technology investments, and limited near-term NIM upside due to competitive pressure. Overall, the positives (strong earnings, capital strength, shareholder returns, and constructive outlook for H2 loan fundings) outweigh the moderate challenges.View all CPF earnings summariesCPF Stock 12 Month Forecast
Average Price Target
$43.00
▲(11.25% Upside)
Technical Analysis
Heritage Financial
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Metropolitan Bank Holding
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Amalgamated Bank
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HBT Financial
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Ownership Overview
2.92% Insiders
20.76% Mutual Funds
21.56% Other Institutional Investors
20.90% Public Companies and
Individual Investors