
Central Pacific Financial Corp.
CPFNYSEFinancial ServicesBanks - Regional
Previous close
$37.43
−$0.07 · -0.19%
Pre-market
$37.2325
−$0.1975 · -0.53%
Aug 24, 4:13 AM ET
CPF company overview
Historical prices · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
65
Undervalued
Momentum
49
Neutral
Sentiment
61
Bullish
Risk resilience
77
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteCentral 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Arnold D. Martines
- Listed since
- Aug 28, 1987
- Employees
- 743
Market position
Day range
Current $37.43
52-week range
Current $37.43
- Open
- $37.71
- Previous close
- $37.50
- Volume
- 93.69K
- 0.63× average
- Average volume
- 148.04K
- Average daily volume
- Market cap
- 976.97M USD
- Beta
- 0.84
- Market reference 1
- 50-day average
- $38.213
- -2.05% below average
- 200-day average
- $33.8985
- +10.42% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 559.39M USD
- P/E (TTM)
- 11.92×
- P/B (TTM)
- 1.63×
- P/S (TTM)
- 3.1×
- EV / EBITDA
- 5.15×
- Earnings yield
- 9.27%
- Free cash flow yield
- 11.04%
- Dividend yield
- 3.02%
Profitability & efficiency
- Gross margin
- 75.98%
- Operating margin
- 25.55%
- Net margin
- 26.36%
- Return on equity
- 13.08%
- Return on assets
- 1.05%
- Return on invested capital
- 10.02%
Financial health
- Debt / equity
- 0.17×
- Current ratio
- 0.14×
- Altman Z-score
- -0.59
- Piotroski F-score
- 7 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 362.32M USD | 340.48M USD | 319.63M USD | 277.04M USD | 259.86M USD |
| Cost of goods sold | 86.52M USD | 104.01M USD | 87.92M USD | 15.54M USD | −7.14M USD |
| Gross profit | 275.8M USD | 236.47M USD | 231.71M USD | 261.5M USD | 267M USD |
| Selling, general, and administrative | 102.93M USD | 98.16M USD | 94.11M USD | 102.37M USD | 102.62M USD |
| Operating expenses | 175.12M USD | 168.44M USD | 154.89M USD | 162.73M USD | 161.34M USD |
| Interest income | 313.06M USD | 305.59M USD | 282.18M USD | 232.27M USD | 218.44M USD |
| Interest expense | 73.28M USD | 94.37M USD | 72.66M USD | 17.09M USD | 7.72M USD |
| Depreciation and amortization | 7.95M USD | 9.12M USD | 7.65M USD | 8.16M USD | 10.45M USD |
| Operating income | 100.68M USD | 68.04M USD | 76.82M USD | 98.77M USD | 105.65M USD |
| Net income | 77.48M USD | 53.41M USD | 58.67M USD | 73.93M USD | 79.89M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 82%
- 9 beats, 2 misses, 0 met estimates
- Average EPS surprise
- +2.88%
- 11 comparable reports
- Latest EPS result
- 0.8
- Estimate 0.78 · Beat by 2.17%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$28.00
25.19% downsideRating distribution
9 ratingsCorporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$1.09
2025 complete year+13.5% since 2021
2026 partial: $0.58
$0.96
2,021
$1.04
2,022
$1.04
2,023
$1.04
2,024
$1.09
2,025
$0.58
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Aug 31, 2026 | $0.30Quarterly | Aug 31, 2026 | Sep 15, 2026 |
Dividend | May 29, 2026 | $0.29Quarterly | May 29, 2026 | Jun 15, 2026 |
Dividend | Feb 27, 2026 | $0.29Quarterly | Feb 27, 2026 | Mar 16, 2026 |
Dividend | Nov 28, 2025 | $0.28Quarterly | Nov 28, 2025 | Dec 15, 2025 |
Dividend | Aug 29, 2025 | $0.27Quarterly | Aug 29, 2025 | Sep 15, 2025 |
Dividend | May 30, 2025 | $0.27Quarterly | May 30, 2025 | Jun 16, 2025 |
Ex-dividend Aug 31, 2026
$0.30
Quarterly
Record Aug 31, 2026 · Payment Sep 15, 2026
Ex-dividend May 29, 2026
$0.29
Quarterly
Record May 29, 2026 · Payment Jun 15, 2026
Ex-dividend Feb 27, 2026
$0.29
Quarterly
Record Feb 27, 2026 · Payment Mar 16, 2026
Ex-dividend Nov 28, 2025
$0.28
Quarterly
Record Nov 28, 2025 · Payment Dec 15, 2025
Ex-dividend Aug 29, 2025
$0.27
Quarterly
Record Aug 29, 2025 · Payment Sep 15, 2025
Ex-dividend May 30, 2025
$0.27
Quarterly
Record May 30, 2025 · Payment Jun 16, 2025
CPF peers
ETFs holding CPF
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR60.89M0.05%111.19B USD0.06%$147.31+0.64%
Avantis U.S. Small Cap Value ETFAVUV32.89M0.11%31.27B USD0.25%$126.45+0.66%
Vanguard Morningstar Total Stock Market ETFVTI31.23M0.00%2.3T USD0.03%$378.24+0.44%
Schwab U.S. Dividend Equity ETFSCHD26.71M0.02%112B USD0.06%$35.11+0.80%
iShares Russell 2000 ETFIWM21.76M0.03%81.62B USD0.19%$299.96+0.77%
Vanguard Extended Market ETFVXF11.89M0.01%93.7B USD0.05%$245.53+0.82%
Fidelity Enhanced Small Cap ETFFESM10.42M0.16%6.03B USD0.28%$47.94+0.80%
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM9.22M0.05%17.03B USD0.03%$57.28+0.61%
iShares Core S&P Small-Cap ETFIJR- Market value
- 60.89M
- Weight
- 0.05%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 32.89M
- Weight
- 0.11%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 31.23M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Schwab U.S. Dividend Equity ETFSCHD- Market value
- 26.71M
- Weight
- 0.02%
- AUM
- 112B USD
- Expense ratio
- 0.06%
- Price / 1D
- $35.11+0.80%
iShares Russell 2000 ETFIWM- Market value
- 21.76M
- Weight
- 0.03%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Extended Market ETFVXF- Market value
- 11.89M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
Fidelity Enhanced Small Cap ETFFESM- Market value
- 10.42M
- Weight
- 0.16%
- AUM
- 6.03B USD
- Expense ratio
- 0.28%
- Price / 1D
- $47.94+0.80%
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM- Market value
- 9.22M
- Weight
- 0.05%
- AUM
- 17.03B USD
- Expense ratio
- 0.03%
- Price / 1D
- $57.28+0.61%
Continue in GoAI
Research CPFresearch.disclaimer





