CENTRAL PACIFIC FINANCIAL CO (CPF) Fundamental Analysis & Valuation

NYSE:CPF • US1547604090

31.16 USD
-0.33 (-1.05%)
At close: Mar 9, 2026
31.16 USD
0 (0%)
After Hours: 3/9/2026, 4:15:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CPF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall CPF gets a fundamental rating of 5 out of 10. We evaluated CPF against 381 industry peers in the Banks industry. The financial health of CPF is average, but there are quite some concerns on its profitability. CPF is not valued too expensively and it also shows a decent growth rate. CPF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. CPF Profitability Analysis

1.1 Basic Checks

  • CPF had positive earnings in the past year.
  • In the past year CPF had a positive cash flow from operations.
  • CPF had positive earnings in each of the past 5 years.
  • Of the past 5 years CPF 4 years had a positive operating cash flow.
CPF Yearly Net Income VS EBIT VS OCF VS FCFCPF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • CPF has a Return On Assets (0.89%) which is in line with its industry peers.
  • CPF's Return On Equity of 11.21% is fine compared to the rest of the industry. CPF outperforms 74.80% of its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 11.21%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.92%
ROE(3y)11.55%
ROE(5y)13.06%
ROIC(3y)N/A
ROIC(5y)N/A
CPF Yearly ROA, ROE, ROICCPF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CPF has a Profit Margin (24.00%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of CPF has grown nicely.
  • The Operating Margin and Gross Margin are not available for CPF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.92%
PM growth 5Y12.07%
GM growth 3YN/A
GM growth 5YN/A
CPF Yearly Profit, Operating, Gross MarginsCPF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CPF Health Analysis

2.1 Basic Checks

  • CPF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CPF has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CPF has less shares outstanding
  • CPF has a better debt/assets ratio than last year.
CPF Yearly Shares OutstandingCPF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CPF Yearly Total Debt VS Total AssetsCPF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of CPF is 1.09, which is an excellent value as it means it would take CPF, only 1.09 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CPF (1.09) is better than 65.88% of its industry peers.
  • CPF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CPF (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.09
Altman-Z N/A
ROIC/WACCN/A
WACC15.58%
CPF Yearly LT Debt VS Equity VS FCFCPF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CPF Yearly Current Assets VS Current LiabilitesCPF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CPF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.21% over the past year.
  • The Earnings Per Share has been growing by 17.23% on average over the past years. This is quite good.
  • Looking at the last year, CPF shows a quite strong growth in Revenue. The Revenue has grown by 16.87% in the last year.
  • CPF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.28% yearly.
EPS 1Y (TTM)47.21%
EPS 3Y3.84%
EPS 5Y17.23%
EPS Q2Q%102.38%
Revenue 1Y (TTM)16.87%
Revenue growth 3Y3.57%
Revenue growth 5Y3.28%
Sales Q2Q%12.65%

3.2 Future

  • CPF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.51% yearly.
  • CPF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.19% yearly.
EPS Next Y13.13%
EPS Next 2Y12.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.16%
Revenue Next 2Y8.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CPF Yearly Revenue VS EstimatesCPF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CPF Yearly EPS VS EstimatesCPF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. CPF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.74 indicates a reasonable valuation of CPF.
  • CPF's Price/Earnings ratio is a bit cheaper when compared to the industry. CPF is cheaper than 64.04% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. CPF is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.50 indicates a reasonable valuation of CPF.
  • Based on the Price/Forward Earnings ratio, CPF is valued a bit cheaper than 61.15% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.60. CPF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.74
Fwd PE 9.5
CPF Price Earnings VS Forward Price EarningsCPF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPF indicates a somewhat cheap valuation: CPF is cheaper than 77.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.36
EV/EBITDA N/A
CPF Per share dataCPF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • CPF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CPF's earnings are expected to grow with 12.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)0.62
EPS Next 2Y12.51%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CPF Dividend Analysis

5.1 Amount

  • CPF has a Yearly Dividend Yield of 3.65%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.86, CPF pays a bit more dividend than its industry peers.
  • CPF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.65%

5.2 History

  • The dividend of CPF has a limited annual growth rate of 3.01%.
  • CPF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CPF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.01%
Div Incr Years0
Div Non Decr Years11
CPF Yearly Dividends per shareCPF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CPF pays out 43.87% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • CPF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.87%
EPS Next 2Y12.51%
EPS Next 3YN/A
CPF Yearly Income VS Free CF VS DividendCPF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CPF Dividend Payout.CPF Dividend Payout, showing the Payout Ratio.CPF Dividend Payout.PayoutRetained Earnings

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CPF Fundamentals: All Metrics, Ratios and Statistics

CENTRAL PACIFIC FINANCIAL CO

NYSE:CPF (3/9/2026, 4:15:00 PM)

After market: 31.16 0 (0%)

31.16

-0.33 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners93.4%
Inst Owner Change-2.52%
Ins Owners1.55%
Ins Owner Change0.45%
Market Cap819.20M
Revenue(TTM)292.70M
Net Income(TTM)65.95M
Analysts74.29
Price Target38.25 (22.75%)
Short Float %1.58%
Short Ratio2.32
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP43.87%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.69%
Min EPS beat(2)-5.23%
Max EPS beat(2)-2.15%
EPS beat(4)1
Avg EPS beat(4)-9.4%
Min EPS beat(4)-32.38%
Max EPS beat(4)2.15%
EPS beat(8)4
Avg EPS beat(8)-1.38%
EPS beat(12)6
Avg EPS beat(12)0.93%
EPS beat(16)9
Avg EPS beat(16)3.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.3%
Min Revenue beat(2)-2.11%
Max Revenue beat(2)-0.5%
Revenue beat(4)0
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)-0.15%
Revenue beat(8)2
Avg Revenue beat(8)-0.38%
Revenue beat(12)4
Avg Revenue beat(12)2.29%
Revenue beat(16)8
Avg Revenue beat(16)6.88%
PT rev (1m)0%
PT rev (3m)8.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2%
EPS NY rev (1m)0%
EPS NY rev (3m)2.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.89%
Revenue NY rev (3m)4.72%
Valuation
Industry RankSector Rank
PE 10.74
Fwd PE 9.5
P/S 2.98
P/FCF 8.36
P/OCF 7.93
P/B 1.39
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)2.9
EY9.31%
EPS(NY)3.28
Fwd EY10.53%
FCF(TTM)3.73
FCFY11.96%
OCF(TTM)3.93
OCFY12.6%
SpS10.45
BVpS22.37
TBVpS22.05
PEG (NY)0.82
PEG (5Y)0.62
Graham Number38.2
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 11.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24%
GM N/A
FCFM 35.65%
ROA(3y)0.84%
ROA(5y)0.92%
ROE(3y)11.55%
ROE(5y)13.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.92%
PM growth 5Y12.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.09
Debt/EBITDA N/A
Cap/Depr 65.41%
Cap/Sales 1.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.21%
EPS 3Y3.84%
EPS 5Y17.23%
EPS Q2Q%102.38%
EPS Next Y13.13%
EPS Next 2Y12.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.87%
Revenue growth 3Y3.57%
Revenue growth 5Y3.28%
Sales Q2Q%12.65%
Revenue Next Year12.16%
Revenue Next 2Y8.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y20.31%
OCF growth 3YN/A
OCF growth 5YN/A

CENTRAL PACIFIC FINANCIAL CO / CPF FAQ

What is the fundamental rating for CPF stock?

ChartMill assigns a fundamental rating of 5 / 10 to CPF.


What is the valuation status of CENTRAL PACIFIC FINANCIAL CO (CPF) stock?

ChartMill assigns a valuation rating of 6 / 10 to CENTRAL PACIFIC FINANCIAL CO (CPF). This can be considered as Fairly Valued.


How profitable is CENTRAL PACIFIC FINANCIAL CO (CPF) stock?

CENTRAL PACIFIC FINANCIAL CO (CPF) has a profitability rating of 3 / 10.


Can you provide the financial health for CPF stock?

The financial health rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 4 / 10.


How sustainable is the dividend of CENTRAL PACIFIC FINANCIAL CO (CPF) stock?

The dividend rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 7 / 10 and the dividend payout ratio is 43.87%.