Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.34 | 10.20 | 11.94 | 10.24 | 9.16 | 10.99 | 10.31 | 10.40 | 17.29 | 15.06 | 9.14 | 10.29 | 8.95 | 8.51 | 7.41 | 7.46 | 6.85 | 8.48 | 8.38 | 9.96 | 8.80 |
| — | -7.2% | +15.8% | -1.5% | -47.0% | -27.0% | +12.8% | +1.1% | +93.3% | +76.9% | +23.3% | +37.9% | +30.6% | +0.4% | -11.6% | -25.1% | -22.2% | -2.3% | -15.1% | -4.4% | -20.4% | |
| P/S Ratio | 3.98 | 3.02 | 9.58 | 2.94 | 2.74 | 2.80 | 2.66 | 2.72 | 3.41 | 3.07 | 2.29 | 2.22 | 2.20 | 1.87 | 1.71 | 1.90 | 1.93 | 2.23 | 2.16 | 3.28 | 2.87 |
| — | +7.8% | +260.7% | +8.0% | -19.8% | -8.9% | +15.8% | +22.6% | +55.3% | +64.5% | +33.7% | +16.8% | +13.7% | -16.3% | -20.6% | -42.0% | -32.7% | -19.9% | -29.0% | +3.0% | +37.9% | |
| P/B Ratio | 1.73 | 1.59 | 1.68 | 1.42 | 1.41 | 1.40 | 1.34 | 1.32 | 1.47 | 1.48 | 1.11 | 1.06 | 1.06 | 0.96 | 0.89 | 1.03 | 1.22 | 1.30 | 1.30 | 1.60 | 1.42 |
| — | +13.9% | +25.8% | +7.7% | -3.9% | -5.2% | +20.6% | +25.1% | +38.6% | +53.1% | +24.1% | +2.4% | -13.4% | -25.7% | -31.5% | -35.5% | -13.6% | -0.4% | -2.8% | +14.9% | +44.4% | |
| P/FCF | 9.07 | 7.05 | 6.12 | 12.23 | 10.93 | 9.63 | 5.89 | 9.41 | 7.97 | 12.85 | 6.76 | 9.74 | 6.69 | 3.47 | 4.16 | 8.40 | 4.83 | 4.55 | 5.46 | 22.73 | 5.89 |
| — | -26.8% | +3.9% | +29.9% | +37.2% | -25.0% | -12.8% | -3.4% | +19.1% | +270.1% | +62.4% | +15.9% | +38.5% | -23.7% | -23.8% | -63.0% | -18.0% | -73.7% | -0.9% | +29.0% | +31.0% | |
| EV / EBITDA | 7.78 | 5.52 | 148.25 | 4.66 | 4.29 | 6.54 | 5.86 | 6.35 | 8.89 | 8.78 | 5.16 | 5.46 | 2.35 | 2.59 | 3.65 | 5.45 | 5.12 | 7.02 | 5.89 | 6.52 | 4.68 |
| — | -15.5% | +2429.8% | -26.5% | -51.7% | -25.6% | +13.5% | +16.2% | +278.8% | +238.9% | +41.5% | +0.2% | -54.2% | -63.1% | -38.1% | -16.4% | +9.4% | +62.5% | +16.3% | +6.1% | -40.8% | |
| EV / EBIT | 7.18 | 5.52 | — | 5.01 | 4.57 | 7.09 | 6.36 | 6.89 | 11.14 | 9.76 | 5.64 | 6.08 | 2.58 | 2.89 | 4.02 | 5.92 | 5.47 | 7.60 | 6.37 | 7.07 | 5.07 |
| — | -22.1% | — | -27.3% | -59.0% | -27.3% | +12.8% | +13.3% | +331.8% | +237.6% | +40.3% | +2.8% | -52.8% | -62.0% | -37.0% | -16.4% | +7.9% | +60.8% | +14.1% | +2.7% | -46.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.4% | 97.5% | 91.7% | 96.8% | 100.0% | 94.4% | 93.0% | 93.9% | 98.7% | 95.7% | 96.5% | 93.6% | 92.4% | 92.0% | 93.1% | 97.5% | 99.0% | 99.5% | 98.7% | 105.5% | 111.0% |
| — | +3.3% | -1.5% | +3.1% | +1.4% | -1.4% | -3.6% | +0.3% | +6.7% | +4.0% | +3.6% | -4.1% | -6.6% | -7.5% | -5.7% | -7.5% | -10.9% | -4.5% | -6.6% | +4.0% | +20.0% | |
| Operating Margin | 34.8% | 39.3% | -2.7% | 37.5% | 40.1% | 32.2% | 33.3% | 33.4% | 23.2% | 26.1% | 33.0% | 28.1% | 31.6% | 28.9% | 30.6% | 33.3% | 37.5% | 35.5% | 34.6% | 43.0% | 43.5% |
| — | +22.2% | -108.2% | +12.4% | +73.2% | +23.1% | +1.2% | +18.8% | -26.6% | -9.7% | +7.8% | -15.7% | -15.9% | -18.5% | -11.6% | -22.5% | -13.8% | -16.5% | -14.2% | +8.5% | +75.5% | |
| Net Margin | 26.8% | 29.6% | 79.5% | 28.9% | 30.0% | 25.3% | 25.5% | 26.3% | 19.6% | 20.4% | 25.2% | 21.5% | 24.5% | 21.7% | 23.3% | 25.4% | 28.2% | 26.2% | 25.6% | 32.8% | 32.5% |
| — | +17.4% | +211.7% | +9.9% | +52.9% | +24.0% | +1.1% | +22.3% | -20.0% | -6.3% | +8.1% | -15.3% | -13.0% | -17.1% | -8.8% | -22.6% | -13.2% | -18.2% | -16.6% | +7.8% | +71.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.7% | 3.9% | 3.5% | 3.5% | 3.9% | 3.2% | 3.2% | 3.2% | 2.1% | 2.5% | 3.1% | 2.6% | 3.1% | 2.8% | 3.1% | 3.5% | 4.5% | 3.7% | 3.7% | 3.7% | 4.0% |
| — | +20.5% | +7.8% | +7.8% | +84.8% | +28.2% | +5.2% | +26.6% | -31.4% | -9.9% | +0.9% | -26.9% | -32.5% | -25.7% | -18.2% | -5.8% | +12.9% | -0.4% | +9.4% | +12.4% | +79.6% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | +21.3% | +12.3% | +16.5% | +102.4% | +39.7% | +15.7% | +38.8% | -21.7% | +4.1% | +11.4% | -20.6% | -28.8% | -24.3% | -20.4% | -18.0% | -9.9% | -20.6% | -8.9% | -0.6% | +65.1% | |
| ROIC | 10.6% | 3.3% | -0.1% | 2.9% | 3.2% | 2.4% | 2.5% | 2.3% | 1.4% | 1.8% | 2.2% | 1.8% | 2.1% | 2.0% | 2.1% | 2.5% | 3.1% | 2.6% | 2.9% | 2.9% | 3.2% |
| — | +37.0% | -103.1% | +24.2% | +131.5% | +35.2% | +11.8% | +27.8% | -35.3% | -10.4% | +5.0% | -26.1% | -31.6% | -24.4% | -27.5% | -13.4% | -2.5% | -11.2% | +9.6% | +14.9% | +115.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.27 | 0.29 | 0.29 | 0.35 | 0.35 | 0.37 | 0.37 | 0.37 | 0.40 | 0.40 | 0.46 | 0.32 | 0.59 | 0.32 | 0.30 | 0.26 |
| — | -36.2% | -41.3% | -41.3% | -50.8% | -23.2% | -21.4% | -21.9% | -5.6% | -13.4% | -8.4% | -18.6% | +14.4% | -31.3% | +26.3% | +53.5% | +23.6% | +121.4% | +17.5% | +7.1% | -17.9% | |
| Debt / EBITDA | 0.94 | 3.30 | 82.81 | 3.52 | 3.13 | 6.15 | 6.31 | 6.64 | 11.21 | 10.03 | 8.41 | 10.05 | 8.87 | 9.70 | 9.11 | 9.37 | 5.11 | 10.52 | 5.59 | 5.25 | 4.51 |
| — | -46.4% | +1212.3% | -47.0% | -72.1% | -38.6% | -25.0% | -34.0% | +26.3% | +3.3% | -7.7% | +7.3% | +73.6% | -7.8% | +63.1% | +78.2% | +13.2% | +115.5% | +2.0% | -8.7% | -50.5% | |
| Current Ratio | 0.14 | 0.26 | 0.27 | 0.14 | 0.14 | 0.05 | 0.05 | 0.13 | 0.14 | 0.16 | 0.15 | 0.15 | 0.17 | 0.16 | 0.15 | 0.13 | 0.12 | 0.13 | 0.14 | 0.21 | 0.30 |
| — | +402.8% | +405.6% | +4.7% | -0.9% | -68.4% | -65.3% | -12.8% | -17.9% | +3.1% | +3.5% | +12.1% | +45.5% | +24.9% | +3.5% | -37.7% | -60.0% | -56.7% | -48.8% | -10.8% | +32.6% | |
| Quick Ratio | 0.14 | 0.26 | 0.27 | 0.14 | 0.14 | 0.05 | 0.05 | 0.13 | 0.14 | 0.16 | 0.15 | 0.15 | 0.17 | 0.16 | 0.15 | 0.13 | 0.12 | 0.13 | 0.14 | 0.21 | 0.30 |
| — | +402.8% | +405.6% | +4.7% | -0.9% | -68.4% | -65.3% | -12.8% | -17.9% | +3.1% | +3.5% | +12.1% | +45.5% | +24.9% | +3.5% | -37.7% | -60.0% | -56.7% | -48.8% | -10.8% | +32.6% | |
| Interest Coverage | 1.37 | 1.87 | -0.05 | 1.71 | 1.82 | 1.27 | 1.30 | 1.16 | 0.60 | 0.71 | 0.86 | 0.70 | 0.83 | 0.85 | 1.14 | 1.68 | 3.07 | 5.26 | 11.40 | 13.06 | 15.29 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CPF stock.
Central Pacific Financial Corp.'s current P/E is 11.3x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Central Pacific Financial Corp.'s current operating margin is 34.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Central Pacific Financial Corp.'s business trajectory between earnings reports.