Central Pacific Financial Corp.

CPF

NYSE · Regional Banks

$38.30

At close - Nov 6, 4:00 PM EST - USD

Market Cap$1000M

P/E11.3x

52W High$40.99

Volume121.66K

VCP Research Verdict2026Q3

Efficiency Gains Offset Thin Margins and Data Anomalies

CPF's net interest income has recovered from $51.8M in Q2 2024 to $64.5M in Q3 2026, and the efficiency ratio improved from 75.5% to 58.2%, suggesting operating leverage is building on a stable $7.4B asset base.

GrowthMixed

ProfitabilityModerate

ValuationReview

TechnicalsStrong

Explore valuation models

MARKET ACTION

CPF price & volume

Price trend, volume and key moving averages

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Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

CPF+26.06%

S&P 500 (^GSPC)+7.63%

1-Year Return

CPF+36.59%

S&P 500 (^GSPC)+9.69%

3-Year Return

CPF+139.87%

S&P 500 (^GSPC)+68.17%

5-Year Return

CPF+53.12%

S&P 500 (^GSPC)+56.34%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E5Y High

11.3x

Forward P/E

11.5x

EV/EBITDA100th %ile

7.8x

FCF YieldCash Flow

11.0%

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

11.3x

10.0x

80th· High

EV/EBITDA

7.8x

5.3x

100th· High

Price/FCF

9.1x

9.0x

80th· High

Current Multiple

5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection

Bear$25.92-32.3%

Base (Fair)$45.36+17.2%

Bull$69.88+82.5%

$25.92 Bear$45.36 Base$69.88 Bull

Current Market Price: $38.30

Trades at a 15.6% discount to Base DCF ($45.36)

Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend

Revenue FY25

$289M+17.4% YoY

Net income FY25

$77M+45.1% YoY

Free cash flow FY25

$92M+22.4% YoY

Operating margin FY25

34.8%+7.2 pts YoY

ROIC (FY25)10.6%

Avg ROIC 5Y9.8%

ROE (TTM)14.8%

Piotroski Score7 / 9

Financial Statements →

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History

EPS Beat Rate10/12 (83%)

Revenue Beat Rate6/12 (50%)

Quarter	EPS (Act vs Est)	Revenue (Act vs Est)
Q4 2026Latest Oct 28, 2026	$0.88+3.8% vs $0.85	$77M-0.6% vs $77M
Q3 2026 Jul 24, 2026	$0.80+2.2% vs $0.78	$77M+2.3% vs $76M
Q2 2026 Apr 29, 2026	$0.78+5.4% vs $0.74	$73M-1.8% vs $74M
Q1 2026 Jan 28, 2026	$0.85+16.4% vs $0.73	$76M+1.1% vs $75M

Historical baseline: 12 quarters analyzedGAAP / Adjusted

MARKET COVERAGE

Latest News

1 Story

Business Wire·Oct 7, 2026

Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results

HONOLULU--(BUSINESS WIRE)--Central Pacific Financial Corp. (NYSE: CPF), parent company of Central Pacific Bank, will release its third quarter 2026 financial results on October 28, 2026, before the market opens. Management will review the results by conference call and live audio webcast beginning at 2:00 p.m. Eastern Time (8:00 a.m. Hawaii Time) on October 28, 2026.Interested parties may listen to the conference by calling 1-833-461-5787 (Meeting ID: 104 617 134), or by registering for the webc.

Filtered for Central Pacific Financial Corp.More Headlines

Compare before deciding

Benchmark CPF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Central Pacific Financial Corp. (CPF)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
CPFCentral Pacific Financial Corp.Current	$38.30	$999.68M	11.34	17.44%	34.73%	14.75%	2.86%
BOHBank of Hawaii Corporation	$69.64	$2.75B	11.18	12.49%	31.7%	13.31%	4.05%
HBBHamilton Beach Brands Holding Company	$32.16	$434.24M	7.29	-7.31%	9.6%	29.48%	1.49%
FHBFirst Hawaiian, Inc.	$24.98	$3.04B	11.13	13.69%	37.88%	9.83%	4.18%
BPOPPopular, Inc.	$156.52	$10.1B	9.65	13.87%	29.97%	16.24%	1.87%
WAFDWaFd, Inc.	$29.43	$2.17B	8.53	12.22%	31.45%	8.5%	—

Compare CPF vs Peers

Central Pacific Financial Corp. (CPF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BOH

Most directly comparable listed peer for CPF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CPF against a more recognizable public peer.

Peer Set

Compare Top 5

vs BOH, HBB, FHB, BPOP

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CPF SEC Filings & Documents

Central Pacific Financial Corp. (CPF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Oct 28, 2026·SEC

Material company update

Jul 24, 2026·SEC

Material company update

Jul 2, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

FY 2026

Oct 28, 2026·SEC

FY 2026

Aug 6, 2026·SEC

FY 2026

Apr 29, 2026·SEC

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CPF Frequently Asked Questions

Central Pacific Financial Corp. (CPF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Central Pacific Financial Corp. growing?

Central Pacific Financial Corp. (CPF) revenue fell by 7.2% over the trailing twelve months, compared with the twelve months before.

Is CPF profitable?

Yes. Central Pacific Financial Corp. (CPF) earned $87.2M in net income over the trailing twelve months (a 34.7% net margin).

Dividend & Returns

Does CPF pay dividends?

Yes. Central Pacific Financial Corp. (CPF) pays a dividend that yields 2.86% at the current price, a moderate yield.

What is CPF's return on equity?

Central Pacific Financial Corp. (CPF) had a return on equity (ROE) of 14.8% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics

What is Central Pacific Financial Corp.'s net interest margin?

Central Pacific Financial Corp. (CPF) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is Central Pacific Financial Corp.'s efficiency ratio?

Central Pacific Financial Corp. (CPF) has an efficiency ratio of 60.6%. This is reasonable for a bank.

What if you invested $1,000 in CPF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

Quarter

EPS (Act vs Est)

Revenue (Act vs Est)

Q4 2026Latest

Oct 28, 2026

$0.88+3.8%

vs $0.85

$77M-0.6%

vs $77M

Q3 2026

Jul 24, 2026

$0.80+2.2%

vs $0.78

$77M+2.3%

vs $76M

Q2 2026

Apr 29, 2026

$0.78+5.4%

vs $0.74

$73M-1.8%

vs $74M

Q1 2026

Jan 28, 2026

$0.85+16.4%

vs $0.73

$76M+1.1%

vs $75M

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

CPFCentral Pacific Financial Corp.Current

$38.30

$999.68M

11.34

17.44%

34.73%

14.75%

2.86%

BOHBank of Hawaii Corporation

$69.64

$2.75B

11.18

12.49%

31.7%

13.31%

4.05%

HBBHamilton Beach Brands Holding Company

$32.16

$434.24M

7.29

-7.31%

9.6%

29.48%

1.49%

FHBFirst Hawaiian, Inc.

$24.98

$3.04B

11.13

13.69%

37.88%

9.83%

4.18%

BPOPPopular, Inc.

$156.52

$10.1B

9.65

13.87%

29.97%

16.24%

1.87%

WAFDWaFd, Inc.

$29.43

$2.17B

8.53

12.22%

31.45%

8.5%

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