Central Pacific Financial Corp. logo

Central Pacific Financial Corp.

CPF

NYSEFinancial ServicesBanks - Regional

Previous close

$37.43

−$0.07 · -0.19%

Aug 21, 4:00 PM ET

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

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

65

Undervalued

Momentum

49

Neutral

Sentiment

61

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

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.

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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends111%77%42%7%Gross margin, FY2021: 102.75%Gross margin, FY2022: 94.39%Gross margin, FY2023: 72.49%Gross margin, FY2024: 69.45%Gross margin, FY2025: 76.12%Operating margin, FY2021: 40.66%Operating margin, FY2022: 35.65%Operating margin, FY2023: 24.03%Operating margin, FY2024: 19.98%Operating margin, FY2025: 27.79%Net margin, FY2021: 30.75%Net margin, FY2022: 26.68%Net margin, FY2023: 18.36%Net margin, FY2024: 15.69%Net margin, FY2025: 21.38%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 102.75%. Gross margin FY2022 94.39%. Gross margin FY2023 72.49%. Gross margin FY2024 69.45%. Gross margin FY2025 76.12%. Operating margin FY2021 40.66%. Operating margin FY2022 35.65%. Operating margin FY2023 24.03%. Operating margin FY2024 19.98%. Operating margin FY2025 27.79%. Net margin FY2021 30.75%. Net margin FY2022 26.68%. Net margin FY2023 18.36%. Net margin FY2024 15.69%. Net margin FY2025 21.38%.

Income trends

Revenue

362.32M USD+6.42%

Operating income

100.68M USD+47.97%

Net income

77.48M USD+45.06%
Income trends across reported periods393.21M USD269.65M USD146.09M USD22.52M USDRevenue, FY2021: 259.86M USDRevenue, FY2022: 277.04M USDRevenue, FY2023: 319.63M USDRevenue, FY2024: 340.48M USDRevenue, FY2025: 362.32M USDOperating income, FY2021: 105.65M USDOperating income, FY2022: 98.77M USDOperating income, FY2023: 76.82M USDOperating income, FY2024: 68.04M USDOperating income, FY2025: 100.68M USDNet income, FY2021: 79.89M USDNet income, FY2022: 73.93M USDNet income, FY2023: 58.67M USDNet income, FY2024: 53.41M USDNet income, FY2025: 77.48M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 259.86M USD. Revenue FY2022 277.04M USD. Revenue FY2023 319.63M USD. Revenue FY2024 340.48M USD. Revenue FY2025 362.32M USD. Operating income FY2021 105.65M USD. Operating income FY2022 98.77M USD. Operating income FY2023 76.82M USD. Operating income FY2024 68.04M USD. Operating income FY2025 100.68M USD. Net income FY2021 79.89M USD. Net income FY2022 73.93M USD. Net income FY2023 58.67M USD. Net income FY2024 53.41M USD. Net income FY2025 77.48M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue362.32M USD340.48M USD319.63M USD277.04M USD259.86M USD
Cost of goods sold86.52M USD104.01M USD87.92M USD15.54M USD−7.14M USD
Gross profit275.8M USD236.47M USD231.71M USD261.5M USD267M USD
Selling, general, and administrative102.93M USD98.16M USD94.11M USD102.37M USD102.62M USD
Operating expenses175.12M USD168.44M USD154.89M USD162.73M USD161.34M USD
Interest income313.06M USD305.59M USD282.18M USD232.27M USD218.44M USD
Interest expense73.28M USD94.37M USD72.66M USD17.09M USD7.72M USD
Depreciation and amortization7.95M USD9.12M USD7.65M USD8.16M USD10.45M USD
Operating income100.68M USD68.04M USD76.82M USD98.77M USD105.65M USD
Net income77.48M USD53.41M USD58.67M USD73.93M USD79.89M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.910.730.560.38Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 0.42, estimate 0.61, surprise -31.15%, Miss. Q2 2025, reported Apr 23, 2025: actual 0.65, estimate 0.63, surprise +3.17%, Beat. Q3 2025, reported Jul 25, 2025: actual 0.67, estimate 0.64, surprise +4.69%, Beat. Q4 2025, reported Oct 29, 2025: actual 0.73, estimate 0.72, surprise +1.39%, Beat. Q1 2026, reported Jan 28, 2026: actual 0.85, estimate 0.73, surprise +16.44%, Beat. Q2 2026, reported Apr 29, 2026: actual 0.78, estimate 0.74, surprise +5.41%, Beat. Q3 2026, reported Jul 24, 2026: actual 0.8, estimate 0.783, surprise +2.17%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.87, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates80.55M72.13M63.72M55.3MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 58.4M USD, estimate 67.01M USD, surprise -12.85%, Miss. Q2 2025, reported Apr 23, 2025: actual 67.6M USD, estimate 71.8M USD, surprise -5.84%, Miss. Q3 2025, reported Jul 25, 2025: actual 71.62M USD, estimate 74.6M USD, surprise -3.99%, Miss. Q4 2025, reported Oct 29, 2025: actual 73.53M USD, estimate 75.3M USD, surprise -2.35%, Miss. Q1 2026, reported Jan 28, 2026: actual 76.29M USD, estimate 75.43M USD, surprise +1.13%, Beat. Q2 2026, reported Apr 29, 2026: actual 72.93M USD, estimate 74.3M USD, surprise -1.84%, Miss. Q3 2026, reported Jul 24, 2026: actual 77.45M USD, estimate 75.69M USD, surprise +2.33%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 77.11M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$28.00

25.19% downside
Past 12 months12-month forecastHigh $30.00Average $28.00Low $26.00

Rating distribution

9 ratings
Strong buy00%
Buy333%
Hold667%
Sell00%
Strong sell00%

Corporate 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

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 31, 2026

$0.30

Quarterly

Record Aug 31, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend May 29, 2026

$0.29

Quarterly

Record May 29, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Feb 27, 2026

$0.29

Quarterly

Record Feb 27, 2026 · Payment Mar 16, 2026

Dividend

Ex-dividend Nov 28, 2025

$0.28

Quarterly

Record Nov 28, 2025 · Payment Dec 15, 2025

Dividend

Ex-dividend Aug 29, 2025

$0.27

Quarterly

Record Aug 29, 2025 · Payment Sep 15, 2025

Dividend

Ex-dividend May 30, 2025

$0.27

Quarterly

Record May 30, 2025 · Payment Jun 16, 2025

CPF peers

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