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Central Pacific Financial Corp.

Data quality: 100%
CPF
NYSE Financial Services Banks - Regional
$31.51
▲ $1.00 (3.28%)
Mkt Cap: 844.69M
Day Range
$31.29 $31.99
52-Week Range
$23.16 $35.01
Volume
148,826
50D / 200D Avg
$32.37 / $30.15
Prev Close
$30.51

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 10.9 10.3
P/B 1.4 1.1
ROE % 13.7 11.7
Net Margin % 21.4 16.8
Rev Growth 5Y % 8.7 11.7
D/E 0.2 0.5

Analyst Price Target

Hold
$28.00 -11.1%
Low: $26.00 High: $30.00
Forward P/E
9.7
Forward EPS
$3.25
EPS Growth (est.)
+0.0%
Est. Revenue
310 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $3.63
$3.50 – $3.76
320 M 2
FY2026 $3.25
$3.20 – $3.29
310 M 2

Key Takeaways

Revenue grew 8.66% annually over 5 years — modest growth
Earnings grew 45.06% over the past year
ROE of 13.70% — decent returns on equity
Net margin of 21.38% shows strong profitability
Debt/Equity of 0.22 — conservative balance sheet
Generating 86.10M in free cash flow

Growth

Revenue Growth (5Y)
8.66%
Revenue (1Y)6.42%
Earnings (1Y)45.06%
FCF Growth (3Y)-3.50%

Quality

Return on Equity
13.70%
ROIC10.48%
Net Margin21.38%
Op. Margin27.79%

Safety

Debt / Equity
0.22
Current Ratio33.66
Interest Coverage1.37

Valuation

P/E Ratio
10.90
P/B Ratio1.43
EV/EBITDA8.78
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 6.42% Revenue Growth (3Y) 6.47%
Earnings Growth (1Y) 45.06% Earnings Growth (3Y) 14.92%
Revenue Growth (5Y) 8.66% Earnings Growth (5Y) -0.76%
Profitability
Revenue (TTM) 362.32M Net Income (TTM) 77.48M
ROE 13.70% ROA 1.05%
Gross Margin 76.12% Operating Margin 27.79%
Net Margin 21.38% Free Cash Flow (TTM) 86.10M
ROIC 10.48% FCF Growth (3Y) -3.50%
Safety
Debt / Equity 0.22 Current Ratio 33.66
Interest Coverage 1.37 Dividend Yield 0.04%
Valuation
P/E Ratio 10.90 P/B Ratio 1.43
P/S Ratio 2.33 PEG Ratio 0.23
EV/EBITDA 8.78 Dividend Yield 0.04%
Market Cap 844.69M Enterprise Value 884.13M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 362.32M 340.48M 319.63M 277.04M 259.86M
Net Income 77.48M 53.41M 58.67M 73.93M 79.89M
EPS (Diluted) 2.87 1.97 2.17 2.68 2.83
Gross Profit 275.80M 236.47M 231.71M 261.50M 267.00M
Operating Income 100.68M 68.04M 76.82M 98.77M 105.65M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 7.41B 7.47B 7.64B 7.43B 7.42B
Total Liabilities 6.82B 6.93B 7.14B 6.98B 6.86B
Shareholders' Equity 592.58M 538.39M 503.82M 452.87M 558.22M
Total Debt 127.65M 188.37M 186.74M 146.75M 146.35M
Cash & Equivalents 88.20M 380.94M 522.44M 112.04M 328.91M
Current Assets 859.97M 948.17M 1.19B 804.18M 1.98B
Current Liabilities 25.55M 6.65B 6.87B 6.75B 6.64B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#866 of 1024
27
#300 of 326
29

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026