MARKETSnap
  • Market Snapshots
    • Gainers & Losers
    • Most Active & More
    • 52-Week High/Low
    • Dividends
    • P/E Ratios
      • Large Caps
      • Absolute
      • Total Market PE
    • Stocks Performance
      • Large Caps
      • Absolute
    • Industries Performance
      • Industry
      • Sector
  • Analyze Stock
    • Analyze a stockAnalyze CPF →
    • FindStock Picks / Stock Screener
    • Value · CPFIntrinsic Value Calculator
    • Invest · CPFInvestment Case
    • Hold · CPF5-Year Outlook
  • Learn
  • Calendar
  • Investment Compounding
    Calculator
  • Investing Philosophy
  • More
    • Charts
    • Commodities
    • Currencies
    • Economic Indicators
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
CPF stock logo

CPF

Central Pacific Financial Corp.

$36.48
0.38
 (1.05%)
Exchange:  NYSE
Market Cap:  939.266M
Shares Outstanding:  988217
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Arnold D. Martines
Full Time Employees:  743
Address: 
220 South King Street
Honolulu
HI
96813
US
Website:  https://www.cpb.bank
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.

Click to read more…

Revenue Segmentation

MarketSnap

Log in to continue

Log in to see the complete revenue and geographic breakdown.

Login — it's free

Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
CPCPF logoCPFCentral Pacific Financial Corp.939.3M11.311.27.7%
CACAC logoCACCamden National Corp.948.3M10.610.41.0%
TRTRST logoTRSTTrustCo Bank Corp NY924.8M14.9—0.5%
FCFCBC logoFCBCFirst Community Bankshares, Inc.922.8M14.916.2-1.3%
HAHAFC logoHAFCHanmi Financial Corporation922.7M10.39.84.7%
SBSBSI logoSBSISouthside Bancshares, Inc.913.9M11.99.42.9%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

Log in to continue

Log in for the full EPS chart and links to analyst estimates.

Login — it's free
View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/24 — 2 quarter 2026

Log in to continue

Log in to read the full transcript and AI-generated earnings summaries.

Login — it's free
Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue319,628340,479362,322
Gross Profit231,712236,474275,800
EBITDA84,47077,154108,623
Operating Income76,82268,039100,677
Net Income58,66953,41277,480

Log in to continue

Log in to see the income statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,642,7967,472,0967,409,241
Total Liabilities7,138,9816,933,7116,816,660
Total Stockholders Equity503,815538,385592,581
Total Debt186,736188,37025,549
Cash and Cash Equivalents522,437380,94188,200

Log in to continue

Log in to see the balance sheet and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow105,11290,5190
Capital Expenditure-12,650-15,0920
Free Cash Flow92,46275,4270
Net Income58,66953,41277,480
Net Change in Cash410,393-141,496-380,941

Log in to continue

Log in to see the cash flow statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)324,075.332Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)326,067.576Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)325,079.298Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)142,213.102Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)143,256.381Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)142,738.932Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)100,199.297Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)101,000.904Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)100,603.320Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)105,727.893Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)106,377.853Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)106,055.432Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.750Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.760Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)3.730Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

Log in to continue

Log in and subscribe to Full Access to see up to 5 years of analyst estimates.

Login — it's free

(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
344.764M  ?P/S
 (TTM)
: 
2.95
?Net Income
 (TTM)
: 
53.412M  ?P/E
 (TTM)
: 
11.34
?Enterprise Value
 (TTM)
: 
646.542M  ?EV/FCF
 (TTM)
: 
6.55
?Dividend Yield
 (TTM)
: 
3.26%  ?Payout Ratio
 (TTM)
: 
36.01%
?ROE
 (TTM)
: 
14%  ?ROIC
 (TTM)
: 
7.73%
?Net Debt
 (TTM)
: 
110.596M  ?Debt/Equity
 (TTM)
: 
0.17
?P/B
 (TTM)
: 
1.55  ?Current Ratio
 (TTM)
: 
0.27

Log in to continue

Log in to see all key valuation metrics and ratios for this symbol.

Login — it's free

Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.16Research AccessResearch AccessResearch AccessResearch Access

Log in to continue

Log in with Full Access for forward P/E high/low estimates and the full multi-year table.

Login — it's free

SWOT Analysis

🔒 You are currently logged out

Login

It's free

At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates CPF intrinsic value between $14.00 – $29.83 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CPF Intrinsic Value

Common questions about CPF valuation

Is Central Pacific Financial Corp. (CPF) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for Central Pacific Financial Corp. (CPF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CPF a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CPF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CPF’s P/E ratio?

You can see CPF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CPF?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CPF a good long-term investment?

Whether CPF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

Research tools for Central Pacific Financial Corp.

  • Central Pacific Financial Corp. intrinsic value calculatorEstimate what the business is worth
  • Central Pacific Financial Corp. 5-year outlookWhat has to go right, and what could go wrong
CPF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.05
MarketSnap

Trading Metrics:

Open: 36.34   Previous Close: 36.1
Day Low: 36.26   Day High: 36.81
Year Low: 27.75   Year High: 40.99
Price Avg 50: 37.26   Price Avg 200: 35.09
Volume: 200272   Average Volume: 162891

Log in to continue

Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.

Login — it's free
See in Nexus

Relevant news

Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results
07-10-2026 18:00
Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results
Central Pacific Financial Corp. (CPF) Q2 2026 Earnings Call Transcript
24-07-2026 16:40
Central Pacific Financial Corp. (CPF) Q2 2026 Earnings Call Transcript
Central Pacific Financial Reports Second Quarter 2026 Earnings of $20.8 Million
24-07-2026 06:30
Central Pacific Financial Reports Second Quarter 2026 Earnings of $20.8 Million
Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results
07-07-2026 18:00
Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
Terms of Service

Copyright © 2025 MarketSnap. All rights reserved.

Contact Us

Privacy Policy

Cookie Policy

Terms of Service

Hover Image
MARKETSnap

Market

🇺🇸 United States

Language

    • Gainers & Losers
    • Most Active & More
    • 52-Week High/Low
    • Dividends
      • Large Caps
      • Absolute
      • Total Market PE
      • Large Caps
      • Absolute
      • Industry
      • Sector
    • Analyze a stockAnalyze CPF →
    • FindStock Picks / Stock Screener
    • Value · CPFIntrinsic Value Calculator
    • Invest · CPFInvestment Case
    • Hold · CPF5-Year Outlook
  • Learn
  • Calendar
  • Investment Compounding Calculator
    • Charts
    • Commodities
    • Currencies
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
  • Investing Philosophy
  • Nexus
    • Recent Activity
      • Overview
      • My Valuations
      • My Investment Journal
      • Watchlists & Portfolio
    • Settings
    • Public profile ↗
  • Log in

Media

Watch Listen Read