CPF Stock Analysis: Central Pacific Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.004m USD | 12M Return: 35.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.51M
EPS Trend: 69.9%
Qual. Beats: 0
Rev. Trend: 96.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Central Pacific Financial Corp. is a bank holding company that operates Central Pacific Bank, providing a full suite of commercial banking products and services to businesses, professionals, and individuals across the United States. The company is headquartered in Honolulu, Hawaii, and was founded in 1954.
Core operations span deposit products-including checking, savings, time deposits, money market accounts, and certificates of deposit-alongside cash management, digital banking, trust, and retail brokerage services. Lending activities cover commercial, industrial, and commercial real estate loans, as well as residential mortgage, home equity, and consumer loans.
The bank also generates fee-based revenue through ancillary services such as debit cards, ATMs, internet and mobile banking, international banking, foreign exchange, and wire transfers. A separate wealth management division offers non-deposit investment products, annuities, insurance, investment management, asset custody, financial advisory, and estate planning services. As a regional bank in the U.S. community banking sector, CPFs diversified service mix allows it to capture both net interest income from lending and recurring noninterest income from fee-generating businesses like wealth management and treasury services.
- Hawaii tourism recovery drives loan demand and deposit growth
- Net interest margin expands amid elevated rate environment
- Commercial real estate loan concentration raises credit risk concerns
| Net Income: 80.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: -1.60k% < 20% (prev -1.67k%; Δ 77.65% < -1%) |
| CFO/TA 0.01 > 3% & CFO 95.4m > Net Income 80.4m |
| Net Debt (-767.0m) to EBITDA (113.0m): -6.79 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.4m) vs 12m ago -2.93% < -2% |
| Gross Margin: 77.69% > 18% (prev 70.99%; Δ 6.71% > 0.5%) |
| Asset Turnover: 4.87% > 50% (prev 4.63%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 1.51 > 6 (EBIT TTM 105.0m / Interest Expense TTM 69.5m) |
| A: -0.77 (Total Current Assets 918.0m - Total Current Liabilities 6.71b) / Total Assets 7.50b |
| B: 0.03 (Retained Earnings 204.5m / Total Assets 7.50b) |
| C: 0.01 (EBIT TTM 105.0m / Avg Total Assets 7.45b) |
| D: 0.09 (Book Value of Equity 593.9m / Total Liabilities 6.90b) |
| Altman-Z'' = -4.79 = D |
| DSRI: 0.93 (Receivables 24.3m/24.7m, Revenue 362.8m/343.1m) |
| GMI: 0.91 (GM 70.99% / 77.69%) |
| AQI: 0.99 (AQ_t 0.86 / AQ_t-1 0.87) |
| SGI: 1.06 (Revenue 362.8m / 343.1m) |
| TATA: -0.00 (NI 80.4m - CFO 95.4m) / TA 7.50b) |
| Beneish M = -3.12 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 38.21 with a total of 69,895 shares traded. Over the past week, the price has changed by +1.35%, over one month by +8.27%, over three months by +18.09% and over the past year by +35.51%.
Current recommended Stop Loss: 37.00 (which is 3.2% or 1.3 ATR below the current price).
Central Pacific Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold CPF.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 39 | 2.1% |
P/E Trailing = 12.8662
P/E Forward = 7.0423
P/S = 3.5488
P/B = 1.6824
P/EG = 1.9741
Revenue TTM = 362.8m USD
EBIT TTM = 105.0m USD
EBITDA TTM = 113.0m USD
Long Term Debt = 76.5m USD (from longTermDebt, last quarter)
Short Term Debt = 25.1m USD (from shortTermDebt, last quarter)
Debt = 126.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 25.1m
Net Debt = -767.0m USD (calculated: Debt 126.7m - CCE 893.7m)
Enterprise Value = 237.1m USD (1.00b + Debt 126.7m - CCE 893.7m)
Interest Coverage Ratio = 1.51 (Ebit TTM 105.0m / Interest Expense TTM 69.5m)
EV/FCF = 2.63x (Enterprise Value 237.1m / FCF TTM 90.0m)
FCF Yield = 37.97% (FCF TTM 90.0m / Enterprise Value 237.1m)
FCF Margin = 24.81% (FCF TTM 90.0m / Revenue TTM 362.8m)
Net Margin = 22.18% (Net Income TTM 80.4m / Revenue TTM 362.8m)
Gross Margin = 77.69% ((Revenue TTM 362.8m - Cost of Revenue TTM 80.9m) / Revenue TTM)
Gross Margin QoQ = 79.40% (prev 81.96%)
Tobins Q-Ratio = 0.03 (Enterprise Value 237.1m / Total Assets 7.50b)
Interest Expense / Debt = 54.86% (Interest Expense 69.5m / Debt 126.7m)
Taxrate = 21.63% (22.2m / 102.6m)
NOPAT = 82.3m (EBIT 105.0m * (1 - 21.63%))
Current Ratio = 0.14 (Total Current Assets 918.0m / Total Current Liabilities 6.71b)
Debt / Equity = 0.21 (Debt 126.7m / totalStockholderEquity, last quarter 593.9m)
Debt / EBITDA = -6.79 (Net Debt -767.0m / EBITDA 113.0m)
Debt / FCF = -8.52 (Net Debt -767.0m / FCF TTM 90.0m)
Total Stockholder Equity = 585.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.08% (Net Income 80.4m / Total Assets 7.50b)
RoE = 13.73% (Net Income TTM 80.4m / Total Stockholder Equity 585.9m)
RoCE = 15.86% (EBIT 105.0m / Capital Employed (Equity 585.9m + L.T.Debt 76.5m))
RoIC = 10.34% (NOPAT 82.3m / Invested Capital 796.5m)
WACC = 7.30% (E(1.00b)/V(1.13b) * Re(8.22%) + (debt cost/tax rate unavailable))
Discount Rate = 8.22% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -8.99 | Cagr: -1.13%
[DCF] Terminal Value 76.75% ; FCFF base≈86.5m ; Y1≈94.6m ; Y5≈118.9m
[DCF] Fair Price = 99.04 (EV 1.82b - Net Debt -767.0m = Equity 2.59b / Shares 26.1m; r=8.35% [WACC [floored]]; 5y FCF grow 10.81% → 2.50% )
EPS Correlation: 69.87 | EPS CAGR: 10.63% | SUE: 0.60 | # QB: 0
Revenue Correlation: 96.51 | Revenue CAGR: 5.96% | SUE: 0.56 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.78 | Chg30d=+0.00% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.84 | Chg30d=-0.79% | Revisions=-17% | Analysts=3
EPS current Year (2026-12-31): EPS=3.27 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+12.3% | GrowthRev=+3.8%
EPS next Year (2027-12-31): EPS=3.57 | Chg30d=+0.00% | Revisions=-17% | GrowthEPS=+9.2% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +0% (up=5, down=5)