CPF Stock Analysis: Central Pacific Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 924m USD | 12M Return: 23% | US1547604090 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.09M
EPS Trend: 87.8%
Qual. Beats: 0
Rev. Trend: 52.7%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. (NYSE: CPF) is the bank holding company for Central Pacific Bank, providing commercial banking products and services to businesses, professionals, and individuals across the United States. The company offers deposit products including checking, savings, time deposits, money market accounts, and certificates of deposit, along with cash management, digital banking, trust, and retail brokerage services. Its lending activities span commercial, industrial, and commercial real estate loans, as well as residential mortgages, home equity loans, and consumer loans. Additional services include debit cards, internet and mobile banking, ATMs, safe deposit boxes, international banking, foreign exchange, and wire transfers, while the wealth management division provides annuities, insurance, investment management, asset custody, and financial and estate planning advisory services. Founded in 1954, the company is headquartered in Honolulu, Hawaii, positioning it within Hawaiis banking sector, which is notably more consolidated than the U.S. mainland due to the states geographic isolation. As a small-cap regional bank (market cap of $946M), CPF competes against both in-state peers and larger national institutions extending into the Hawaii market.
- Net interest margin compresses as Fed cuts rates
- Hawaii tourism and local economy drive loan demand
- Commercial real estate concentration poses credit risk
| Net Income: 83.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.06 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.79k%; Δ 225.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 104.0m > Net Income 83.0m |
| Net Debt (-1.64b) to EBITDA (84.4m): -19.41 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.3m) vs 12m ago -3.24% < -2% |
| Gross Margin: 75.98% > 18% (prev 72.08%; Δ 3.90% > 0.5%) |
| Asset Turnover: 4.23% > 50% (prev 4.70%; Δ -0.47% > 0%) |
| Interest Coverage Ratio: 1.20 > 6 (EBIT TTM 80.4m / Interest Expense TTM 67.0m) |
| A: -0.66 (Total Current Assets 1.79b - Total Current Liabilities 6.72b) / Total Assets 7.50b |
| B: 0.03 (Retained Earnings 217.8m / Total Assets 7.50b) |
| C: 0.01 (EBIT TTM 80.4m / Avg Total Assets 7.44b) |
| D: 0.09 (Book Value of Equity 596.3m / Total Liabilities 6.90b) |
| Altman-Z'' = -4.06 = D |
| DSRI: 1.10 (Receivables 23.4m/23.5m, Revenue 314.8m/346.5m) |
| GMI: 0.95 (GM 72.08% / 75.98%) |
| AQI: 0.80 (AQ_t 0.75 / AQ_t-1 0.93) |
| SGI: 0.91 (Revenue 314.8m / 346.5m) |
| TATA: -0.00 (NI 83.0m - CFO 104.0m) / TA 7.50b) |
| Beneish M = -3.18 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 36.34 with a total of 164,113 shares traded. Over the past week, the price has changed by -0.06%, over one month by -3.58%, over three months by -4.78% and over the past year by +22.98%.
Current recommended Stop Loss: 34.40 (which is 5.3% or 2.4 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 | 43 | 18.3% |
P/E Trailing = 11.5774
P/E Forward = 9.4251
P/S = 3.2065
P/B = 1.5682
P/EG = 1.9741
Revenue TTM = 314.8m USD
EBIT TTM = 80.4m USD
EBITDA TTM = 84.4m USD
Long Term Debt = 76.5m USD (from longTermDebt, last quarter)
Short Term Debt = 24.1m USD (from shortTermDebt, last quarter)
Debt = 124.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 24.1m
Net Debt = -1.64b USD (calculated: Debt 124.7m - CCE 1.76b)
Enterprise Value = 924.1m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.20 (Ebit TTM 80.4m / Interest Expense TTM 67.0m)
EV/FCF = 9.36x (Enterprise Value 924.1m / FCF TTM 98.7m)
FCF Yield = 10.68% (FCF TTM 98.7m / Enterprise Value 924.1m)
FCF Margin = 31.35% (FCF TTM 98.7m / Revenue TTM 314.8m)
Net Margin = 26.36% (Net Income TTM 83.0m / Revenue TTM 314.8m)
Gross Margin = 75.98% ((Revenue TTM 314.8m - Cost of Revenue TTM 75.6m) / Revenue TTM)
Gross Margin QoQ = 57.10% (prev 79.40%)
Tobins Q-Ratio = 0.12 (Enterprise Value 924.1m / Total Assets 7.50b)
Interest Expense / Debt = 53.77% (Interest Expense 67.0m / Debt 124.7m)
Taxrate = 21.45% (22.7m / 105.7m)
NOPAT = 63.2m (EBIT 80.4m * (1 - 21.45%))
Current Ratio = 0.27 (Total Current Assets 1.79b / Total Current Liabilities 6.72b)
Debt / Equity = 0.21 (Debt 124.7m / totalStockholderEquity, last quarter 596.3m)
Debt / EBITDA = -19.41 (Net Debt -1.64b / EBITDA 84.4m)
Debt / FCF = -16.61 (Net Debt -1.64b / FCF TTM 98.7m)
Total Stockholder Equity = 592.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 83.0m / Total Assets 7.50b)
RoE = 14.00% (Net Income TTM 83.0m / Total Stockholder Equity 592.7m)
RoCE = 12.02% (EBIT 80.4m / Capital Employed (Equity 592.7m + L.T.Debt 76.5m))
RoIC = 8.00% (NOPAT 63.2m / Invested Capital 789.6m)
WACC = 7.08% (E(924.1m)/V(1.05b) * Re(8.03%) + (debt cost/tax rate unavailable))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -77.31 | Cagr: -1.39%
[DCF] Terminal Value 76.32% ; FCFF base≈96.1m ; Y1≈102.1m ; Y5≈121.2m
[DCF] Fair Price = 136.0 (EV 1.86b - Net Debt -1.64b = Equity 3.50b / Shares 25.7m; r=8.35% [WACC [floored]]; 5y FCF grow 7.02% → 2.50% )
EPS Correlation: 87.76 | EPS CAGR: 15.98% | SUE: 0.30 | # QB: 0
Revenue Correlation: 52.66 | Revenue CAGR: 2.86% | SUE: -1.31 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.85 | Chg30d=+0.00% | Revisions=+17% | Analysts=4
EPS current Year (2026-12-31): EPS=3.27 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+12.5% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=3.58 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+9.2% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +18% (up=5, down=3)