Central Pacific Financial Corp.

CPF | NYSE

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$36.99

-$0.65 (-1.73%)

At close: Sep 21, 2026, 4:00 PM ET

$36.99

$0 (0.00%)

After-hours: Sep 21, 2026, 5:55 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $982.45M

Enterprise Value $-697.77M

Beta 0.83

Average Volume 147.89K

Shares Outstanding (Diluted) 26.26M

Shares Change YoY -3.24%

Institutional Ownership 93.24%

Exchange NYSE

ISIN US1547604090

Price Performance

Price Change 1M -1.1%

Price Change 3M 0.1%

Price Change 6M 16.0%

Price Change YTD 19.0%

Price Change 1Y 20.2%

Price Change 3Y 123.9%

Price Change 5Y 46.8%

1M CAGR (ann.) -3.4%

1Y CAGR (ann.) 27.8%

5Y CAGR (ann.) 14.8%

All-Time CAGR -11.4%

Valuation

PE Ratio 11.86

Forward PE 10.26

PEG Ratio 0.30

Forward PEG 1.30

PS Ratio 3.07

Forward PS 3.10

PB Ratio 1.62

P/FCF Ratio 10.73

P/Adj. FCF Ratio 10.93

P/OCF Ratio 9.25

EV/Sales -2.22

EV/EBIT -8.67

EV/EBITDA -8.26

EV/FCF -7.75

Earnings Yield 8.4%

FCF Yield 9.3%

Adj. FCF Yield 9.2%

Financial Health

Net Cash $1.66B

Total Debt $100.61M

Cash & Short-Term Investments $1.76B

Total Assets $7.5B

Current Ratio 0.27

Quick Ratio 0.27

Debt / Equity Ratio 0.17

Debt / EBITDA 1.19

Debt / FCF 1.12

OCF / Debt 0.95

Interest Coverage 1.20

Altman Z-Score -0.59

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 76.0%

Operating Profit Margin 25.6%

EBITDA Margin 26.8%

Net Profit Margin 26.4%

FCF Margin 28.6%

Adj. FCF Margin 28.1%

SBC / Revenue 0.9%

SBC Impact (per share) -1.8%

Returns

Return on Assets 1.1%

Return on Equity 14.0%

Return on Invested Capital 7.7%

Return on Capital Employed 10.3%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 1.2%

Revenue CAGR 5Y 4.5%

Revenue CAGR 10Y 4.6%

EPS CAGR 3Y 8.0%

EPS CAGR 5Y 9.6%

EPS CAGR 10Y 7.9%

FCF CAGR 3Y -4.0%

FCF CAGR 5Y 20.2%

FCF CAGR 10Y 1.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 9

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $40.13

Graham Upside 8.5%

Lynch Fair Value $30.05

Lynch Upside -18.8%

Price Target $28

Price Target Upside -24.3%

Cash Flow

Operating Cash Flow $95.35M

Free Cash Flow $90.02M

Adj. Free Cash Flow $88.36M

FCF Per Share $3.80

OCF Per Share $4

OCF/S Ratio 33.0%

Income Statement

Revenue $314.85M

Gross Profit $239.21M

Operating Income $80.44M

EBITDA $84.43M

Net Income $83M

EPS (Diluted) $3.12

Revenue / Employee $423.75K

Profit / Employee $111.7K

Employees 743

Dividends

Annual Dividend $1.16

Dividend Yield 3.14%

Payout Ratio 37.2%

FCF Payout Ratio 32.9%

Adj. FCF Payout Ratio 33.5%

Dividend Growth (YoY) 8.4%

Pay Frequency Quarterly

Ex-Dividend Date Aug 30, 2026