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CPF stock logo

CPF

Central Pacific Financial Corp.

$35.6
0.31
 (0.88%)
Exchange:  NYSE
Market Cap:  929.204M
Shares Outstanding:  988217
Delayed data
Calculate CPF Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Arnold D. Martines
Full Time Employees:  697
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.

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Revenue Segmentation

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EPS

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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.

2026/04/29 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue319,628340,479362,322
Gross Profit231,712236,474275,800
EBITDA84,47077,154100,677
Operating Income76,82268,039100,677
Net Income58,66953,41277,480

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(* 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

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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

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)310,487.121Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)324,446.212Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)317,466.667Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)99,449.685Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)103,920.812Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)101,685.249Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)87,986.322Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)103,108.745Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)88,433.330Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)101,294.810Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)105,848.891Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)103,571.851Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.570Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.840Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.280Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
344.764M  ?P/S
 (TTM)
: 
2.53
?Net Income
 (TTM)
: 
53.412M  ?P/E
 (TTM)
: 
11.49
?Enterprise Value
 (TTM)
: 
613.526M  ?EV/FCF
 (TTM)
: 
7
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.37
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.1
?Net Debt
 (TTM)
: 
110.596M  ?Debt/Equity
 (TTM)
: 
0.17
?P/B
 (TTM)
: 
1.56  ?Current Ratio
 (TTM)
: 
0.14

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.30Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CPF intrinsic value between $32.02 – $40.81 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.

[intrinsic_calculator]

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.

CPF

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

Daily snapshot

0.88
MARKETSnap

Trading Metrics:

Open: 35.55   Previous Close: 35.29
Day Low: 35.48   Day High: 36.33
Year Low: 25.62   Year High: 36.33
Price Avg 50: 33.99   Price Avg 200: 31.81
Volume: 93579   Average Volume: 150255

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See in Nexus

Relevant news

Central Pacific Financial Corp. (CPF) Q1 2026 Earnings Call Transcript
29-04-2026 17:21
Central Pacific Financial Corp. (CPF) Q1 2026 Earnings Call Transcript
Central Pacific Financial (CPF) Tops Q1 Earnings Estimates
29-04-2026 08:46
Central Pacific Financial (CPF) Tops Q1 Earnings Estimates
Central Pacific Financial (CPF) Could Be a Great Choice
30-03-2026 12:47
Central Pacific Financial (CPF) Could Be a Great Choice
American Century Companies Inc. Has $24.39 Million Position in CPB Inc. $CPF
09-03-2026 03:03
American Century Companies Inc. Has $24.39 Million Position in CPB Inc. $CPF
Central Pacific Financial Reports Fourth Quarter and Full Year 2025 Earnings
28-01-2026 05:30
Central Pacific Financial Reports Fourth Quarter and Full Year 2025 Earnings
Analyzing CPB (NYSE:CPF) & Hanmi Financial (NASDAQ:HAFC)
20-01-2026 02:38
Analyzing CPB (NYSE:CPF) & Hanmi Financial (NASDAQ:HAFC)

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