Central Pacific Financial Corp (CPF)

Financial Services Banks - Regional

39.40 $

+0.1% vs. previous close

Closing price · As of: 31. Jul 2026

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Trading Day

Previous Close

39.40$

Open

39.60$

Day High

39.70$

Day Low

39.00$

Volume

122,694shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High

26.20 $ 40.00 $

08/01/2025 07/16/2026

Current price 39.40 $ — 96% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap

1.0$B

Shares Outstanding

26Mio.

Float

88.8%

Beta

0.8

Performance

Perf. 1M

9.50%

Perf. 3M

20.50%

Perf. 6M

18.40%

YTD Performance (%)

20.70%

52-Week-High Distance

-0.6%

Perf. 1Y

53.04%

Perf. 3Y

145.69%

Perf. 5Y

91.86%

Perf. 10Y

135.54%

Perf. Since Inception

102.88%

Technical Indicators

MA 38 Days

37.80$

MA 50 Days

37.10$

MA 200 Days

33.20$

RSI (14)

60.9

Volatility 30 Days

19.5%

Volatility 250 Days

24.9%

Calculated from the price history · as of 08/03/2026

Valuation

P/E

–

Forward P/E

9.4

PEG

2.0

P/B

–

P/S

2.8

EV/EBITDA

0.0

Price/FCF

11.2

Profitability

Gross Margin

100.0%

EBIT Margin

–

Net Margin

28.8%

Return on Equity

14.0%

Return on Assets

1.1%

Balance Sheet & Safety

Equity Ratio

–

Debt/Equity

–

Altman Z″

-1.54

Piotroski

7 out of 9

Growth

Sales Growth Last Quarter

9.20%

EPS Growth Last Quarter

20.00%

Sales Growth (Year)

6.42%

Forward Sales Growth

4.25%

Forward EPS Growth

9.20%

Dividend

Dividend Yield

3.05%

Dividend Per Share (TTM)

1.13$

Payout Ratio

36.7%

Years Without a Cut

9Years

Increase Streak

1Years

Quality & Screener

Stage

RS Rating

EPS Rating

Piotroski

7 out of 9

Fundamental Rating

B (58 out of 100)

Altman Z″

-1.54

AI Rating

–

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Growth Score

6 of 10 Solid growth

Ten checks against the annual reports — each one passed counts a point.

Revenue grows by more than 15% a year over three years 9.4% failed
More than 10% revenue growth is expected for the coming year 4.3% failed
Share count grows by less than 3% a year -0.9% passed
Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 31.9% failed
Gross margin at 40% or higher and without meaningful erosion 76.1% passed
Goodwill from acquisitions does not grow faster than revenue 0.0% passed
Net debt below twice EBITDA 809 m net cash passed
Operating cash flow covers the profits of the last three years 104 m passed
Return on capital at 15% or higher, or up versus two years ago 12.7% passed
Insiders hold at least 10% or are net buyers 1.9% failed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Analysts & Price Target

Current Price 39.40 $

Price Target (average) 43.00 $

The price target sits 9.1% above the current price.

Consensus: Hold
Analyst Ratings: 1

Distribution of Recommendations

Strong Buy 0

Buy 0

Hold 1

Sell 0

Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year	EPS Estimate ($)	EPS Range ($)	Revenue Estimate ($M)	Expected Growth	Analysts
12/31/2026	3.27	3.22 – 3.33	306	12.5%	4
12/31/2027	3.58	3.50 – 3.70	316	9.2%	4

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

28. Oct 2026 · before the open · Q3 2026

Expected Earnings per Share: 0.81 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

From To Indexed

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The figures could not be loaded right now.

Sales Per Quarter ($M)

Source: fundamental data

Compare with other stocks →

Quarterly Figures

Quarterly Figures
Quarter	EPS (Earnings Per Share)	EPS YoY (%)	Sales ($M)	Sales YoY (%)	Net Margin (%)	OCF ($M)	FCF ($M)
2024: Q4	0.42	-24.00	80	-4.30	14.20	26	25
2025: Q1	0.65	36.60	87	3.10	20.40	20	20
2025: Q2	0.67	15.40	90	3.90	20.30	34	32
2025: Q3	0.68	40.00	92	3.10	20.10	22	21
2025: Q4	0.85	104.40	93	16.30	24.60	21	19
2026: Q1	0.78	20.20	88	0.50	23.70	18	17

What Do These Terms Mean?

EPS (Earnings Per Share):: Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):: Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:: All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:: What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):: The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):: Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year	Revenue ($M)	EBIT ($M)	Net Income ($M)	EPS ($)	Operating Cash Flow ($M)	Equity ($M)	Total Assets ($M)
2016	201	73	47	1.50	76	505	5,384
2017	215	76	41	1.34	97	500	5,624
2018	232	78	59	2.01	103	492	5,807
2019	222	78	58	2.03	72	529	6,013
2020	258	49	37	1.32	77	547	6,595
2021	260	106	80	2.83	110	558	7,419
2022	277	99	74	2.68	114	453	7,433
2023	320	77	59	2.17	105	504	7,643
2024	340	68	53	1.96	91	538	7,472
2025	362	101	77	2.89	97	593	7,409

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

Central Pacific Financial Corp. ist die Bankholding der Central Pacific Bank, die Unternehmen, Selbständigen und Privatpersonen in den USA eine Reihe von Geschäftsbankprodukten und -dienstleistungen anbietet.

Employees	722
Headquarters	Honolulu, HI
Address	220 South King Street, 96813 Honolulu, United States
Phone	808 544 0500
Website	cpb.bank
IPO Date	26. Mar 1990
ISIN	US1547604090
Stock Split	1:20 on 02/03/2011

Management

Management
Name	Title	Birth Year
Arnold D. Martines	Chairman, President & CEO	1965
Dayna N. Matsumoto	Executive VP & CFO	1982
David S. Morimoto	Vice Chair & COO	1968
Ralph M. Mesick	Senior EVP & Chief Risk Officer	1960
Glenn K. C. Ching	Executive Vice President, Chief Legal Officer & Corporate Secretary	1959
Jayrald Rabago	Senior Strategic Financial Officer	–

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.