CPF logo

CENTRAL PACIFIC FINANCIAL CO

CPFNYSE
๐Ÿ† #2118 by market capEarnings Oct 28US Equity
$38.69โ–ฒ $0.20 (+0.52%)
Market closed ยท at close
1hโ€”
24hโ–ฒ 0.5%
7dโ–ผ 2.4%
14dโ–ผ 1.7%
30dโ–ฒ 0.8%
1yโ–ฒ 37.9%
๐ŸฆMarket Cap
$999M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+22.9%
Healthy
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
16.6%
Healthy
โš–๏ธP/S Ratio
1.8x
Cheap
Otter Score
59
Weak

Trading Snapshot

Day Range
$38.41 โ€“ $39.34
52-Week Range
$26.25 โ€“ $40.99
Volume
$2.53B
Avg Volume
$2.03B
Shares Outstanding
25.8M
Next Earnings
Sep 19, 2026

Fundamentals Snapshot

Annual Revenue
$362M
Last Q Revenue
$42M
P/E Ratio
11.9
P/S Ratio
1.8x
EPS (TTM)
$3.12
Dividend Yield
2.99%

Why Investors Own CPF

  • โœ“High-growth profile โ€” revenue up +32.9% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 44% gross margin and 24% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$362Mโ–ฒ +26.4% YoY
Gross Margin (TTM)
43.6%โ–ฒ +0.8% YoY
Operating Income (TTM)
$37Mโ–ฒ +26.4% YoY
Free Cash Flow (TTM)
$86Mโ–ฒ +26.4% YoY

About CENTRAL PACIFIC FINANCIAL CO

Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Weak
59/100

Analyst Ratings

โ“˜
Consensus
Buy
8 analysts
Strong Buy1
Buy4
Hold3
Sell0
Strong Sell0
Ratings as of Aug 2026

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