Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Central Pacific Financial Corp.'s quarterly P/E stands at 10.2x, down 1.5% year-over-year. EV/EBITDA has compressed 26.5% YoY to 4.7x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.64 | 10.24 | 9.16 | 10.99 | 10.31 | 10.40 | 17.29 | 15.06 | 9.14 | 10.29 | 8.95 | 8.51 | 7.41 |
| — | -1.5% | -47.0% | -27.0% | +12.8% | +1.1% | +93.3% | +76.9% | +23.3% | +37.9% | +30.6% | +0.4% | -11.6% | |
| P/S Ratio | 2.61 | 2.41 | 2.25 | 2.23 | 2.11 | 2.11 | 2.47 | 2.24 | 1.66 | 1.58 | 1.59 | 1.39 | 1.35 |
| — | +14.2% | -9.0% | -0.6% | +27.4% | +33.3% | +54.8% | +61.0% | +22.7% | -0.3% | -7.4% | -33.2% | -35.4% | |
| P/B Ratio | 1.64 | 1.42 | 1.41 | 1.40 | 1.34 | 1.32 | 1.47 | 1.48 | 1.11 | 1.06 | 1.06 | 0.96 | 0.89 |
| — | +7.7% | -3.9% | -5.2% | +20.6% | +25.1% | +38.6% | +53.1% | +24.1% | +2.4% | -13.4% | -25.7% | -31.5% | |
| P/FCF | 11.00 | 12.23 | 12.48 | 9.63 | 5.89 | 9.41 | 7.97 | 12.85 | 6.76 | 9.74 | 6.69 | 3.47 | 4.16 |
| — | +29.9% | +56.7% | -25.0% | -12.8% | -3.4% | +19.1% | +270.1% | +62.4% | +15.9% | +38.5% | -23.7% | -23.8% | |
| EV / EBITDA | 6.66 | 4.66 | 4.57 | 6.54 | 5.86 | 6.35 | 8.89 | 8.78 | 5.16 | 5.46 | 2.35 | 2.59 | 3.65 |
| — | -26.5% | -48.6% | -25.6% | +13.5% | +16.2% | +278.8% | +238.9% | +41.5% | +0.2% | -54.2% | -63.1% | -38.1% | |
| EV / EBIT | 6.66 | 5.01 | 4.57 | 7.09 | 6.36 | 6.89 | 11.14 | 9.76 | 5.64 | 6.08 | 2.58 | 2.89 | 4.02 |
| — | -27.3% | -59.0% | -27.3% | +12.8% | +13.3% | +331.8% | +237.6% | +40.3% | +2.8% | -52.8% | -62.0% | -37.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Central Pacific Financial Corp.'s operating margin was 30.7% in Q1 2026, down 2.1 pp QoQ and up 4.9 pp YoY. The trailing four-quarter average of 29.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 9.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 76.1% | 79.4% | 82.0% | 75.3% | 74.1% | 72.9% | 71.3% | 70.0% | 69.8% | 66.7% | 67.0% | 68.7% | 73.5% |
| — | +9.0% | +14.9% | +7.6% | +6.1% | +9.2% | +6.4% | +1.8% | -4.9% | -18.1% | -24.0% | -26.2% | -23.3% | |
| Operating Margin | 27.8% | 30.7% | 32.9% | 25.6% | 26.5% | 25.9% | 16.7% | 19.1% | 23.9% | 20.0% | 22.9% | 21.6% | 24.1% |
| — | +18.8% | +96.4% | +34.3% | +11.3% | +29.3% | -26.8% | -11.6% | -1.1% | -27.9% | -31.6% | -35.0% | -28.2% | |
| Net Margin | 21.4% | 23.7% | 24.6% | 20.1% | 20.3% | 20.4% | 14.2% | 14.9% | 18.3% | 15.3% | 17.8% | 16.2% | 18.4% |
| — | +16.1% | +73.4% | +35.3% | +11.2% | +33.0% | -20.3% | -8.3% | -0.8% | -27.6% | -29.2% | -33.9% | -25.8% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.7% | 3.5% | 3.9% | 3.2% | 3.2% | 3.2% | 2.1% | 2.5% | 3.1% | 2.6% | 3.1% | 2.8% | 3.1% |
| — | +7.8% | +84.8% | +28.2% | +5.2% | +26.6% | -31.4% | -9.9% | +0.9% | -26.9% | -32.5% | -25.7% | -18.2% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +16.5% | +102.4% | +39.7% | +15.7% | +38.8% | -21.7% | +4.1% | +11.4% | -20.6% | -28.8% | -24.3% | -20.4% | |
| ROIC | 10.6% | 2.9% | 3.2% | 2.4% | 2.5% | 2.3% | 1.4% | 1.8% | 2.2% | 1.8% | 2.1% | 2.0% | 2.1% |
| — | +24.2% | +131.5% | +35.2% | +11.8% | +27.8% | -35.3% | -10.4% | +5.0% | -26.1% | -31.6% | -24.4% | -27.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Central Pacific Financial Corp.'s Debt/EBITDA ratio is 3.5x, up from 3.3x last quarter — at a moderate level that warrants monitoring. Debt/Equity has declined for 6 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 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 |
| — | -41.3% | -50.8% | -23.2% | -21.4% | -21.9% | -5.6% | -13.4% | -8.4% | -18.6% | +14.4% | -31.3% | +26.3% | |
| Debt / EBITDA | 1.01 | 3.52 | 3.34 | 6.15 | 6.31 | 6.64 | 11.21 | 10.03 | 8.41 | 10.05 | 8.87 | 9.70 | 9.11 |
| — | -47.0% | -70.2% | -38.6% | -25.0% | -34.0% | +26.3% | +3.3% | -7.7% | +7.3% | +73.6% | -7.8% | +63.1% | |
| Current Ratio | 0.14 | 0.14 | 0.14 | 0.05 | 0.05 | 0.13 | 0.14 | 0.16 | 0.15 | 0.15 | 0.17 | 0.16 | 0.15 |
| — | +4.7% | -0.9% | -68.4% | -65.3% | -12.8% | -17.9% | +3.1% | +3.5% | +12.1% | +45.5% | +24.9% | +3.5% | |
| Quick Ratio | 0.14 | 0.14 | 0.14 | 0.05 | 0.05 | 0.13 | 0.14 | 0.16 | 0.15 | 0.15 | 0.17 | 0.16 | 0.15 |
| — | +4.7% | -0.9% | -68.4% | -65.3% | -12.8% | -17.9% | +3.1% | +3.5% | +12.1% | +45.5% | +24.9% | +3.5% | |
| Interest Coverage | 1.37 | 1.71 | 1.82 | 1.27 | 1.30 | 1.16 | 0.60 | 0.71 | 0.86 | 0.70 | 0.83 | 0.85 | 1.14 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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 12.6x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Central Pacific Financial Corp.'s current operating margin is 27.8%. Margins have been expanding 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.