CPF Stock - Central Pacific Financial Corp.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $340.48M | $319.63M | $277.04M | $259.86M | $257.62M |
| Gross Profit | $236.47M | $231.71M | $261.50M | $267.00M | $200.77M |
| Gross Margin | 69.5% | 72.5% | 94.4% | 102.7% | 77.9% |
| Operating Income | $68.04M | $76.82M | $98.77M | $105.65M | $49.03M |
| Net Income | $53.41M | $58.67M | $73.93M | $79.89M | $37.27M |
| Net Margin | 15.7% | 18.4% | 26.7% | 30.7% | 14.5% |
| EPS | $1.97 | $2.17 | $2.70 | $2.85 | $1.33 |
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 8th 2025 | Keefe Bruyette | Initiation | Market Perform | $34 |
| August 21st 2025 | Piper Sandler | Resumed | Overweight | $35 |
| October 6th 2022 | Raymond James | Downgrade | Market Perform | - |
Earnings History & Surprises
CPFEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Feb 4, 2026 | $0.74 | — | — | — |
Q4 2025 | Oct 29, 2025 | $0.74 | $0.73 | -1.4% | ✗ MISS |
Q3 2025 | Jul 25, 2025 | $0.70 | $0.67 | -4.3% | ✗ MISS |
Q2 2025 | Apr 23, 2025 | $0.63 | $0.65 | +3.2% | ✓ BEAT |
Q1 2025 | Jan 29, 2025 | $0.61 | $0.70 | +14.8% | ✓ BEAT |
Q4 2024 | Oct 30, 2024 | $0.56 | $0.49 | -12.5% | ✗ MISS |
Q3 2024 | Jul 31, 2024 | $0.48 | $0.58 | +20.8% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.45 | $0.48 | +6.7% | ✓ BEAT |
Q1 2024 | Jan 31, 2024 | $0.48 | $0.55 | +14.6% | ✓ BEAT |
Q4 2023 | Oct 25, 2023 | $0.52 | $0.49 | -5.8% | ✗ MISS |
Q3 2023 | Jul 26, 2023 | $0.54 | $0.53 | -1.9% | ✗ MISS |
Q2 2023 | Apr 26, 2023 | $0.55 | $0.60 | +9.1% | ✓ BEAT |
Q1 2023 | Jan 25, 2023 | $0.60 | $0.74 | +23.3% | ✓ BEAT |
Q4 2022 | Oct 21, 2022 | $0.60 | $0.61 | +1.7% | ✓ BEAT |
Q3 2022 | Jul 27, 2022 | $0.54 | $0.54 | 0.0% | = MET |
Q2 2022 | Apr 20, 2022 | $0.56 | $0.70 | +25.0% | ✓ BEAT |
Q1 2022 | Jan 26, 2022 | $0.65 | $0.80 | +23.1% | ✓ BEAT |
Q4 2021 | Oct 27, 2021 | $0.58 | $0.74 | +27.6% | ✓ BEAT |
Q3 2021 | Jul 28, 2021 | $0.56 | $0.66 | +17.9% | ✓ BEAT |
Latest News
Central Pacific Financial Q3 Adj. EPS $0.73 Misses $0.74 Estimate, Sales $61.301M Miss $62.000M Estimate
📉 NegativeKeefe, Bruyette & Woods Initiates Coverage On Central Pacific Financial with Market Perform Rating, Announces Price Target of $34
➖ NeutralPiper Sandler Assumes Central Pacific Financial at Overweight, Announces Price Target of $35
📈 PositiveFrequently Asked Questions about CPF
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