Symbols / CPF Stock $34.61 -0.12% Central Pacific Financial Corp.

Financial Services • Banks - Regional • United States • NYQ
CPF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Arnold D. Martines
Exch · Country NYQ · United States
Market Cap 914.97M
Enterprise Value 629.18M
Income 77.48M
Sales 276.98M
FCF (ttm) —
Book/sh 22.54
Cash/sh 14.68
Employees 722
Insider 10d —
IPO Aug 28, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 38.11%
P/E 12.10
Forward P/E 9.57
PEG —
P/S 3.30
P/B 1.54
P/C —
EV/EBITDA —
EV/Sales 2.27
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.86
EPS next Y 3.62
EPS Growth 103.10%
Revenue Growth 28.30%
EPS Gr Q/Q 101.60%
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-01-28
ROA 1.04%
ROE 13.70%
ROIC —
Gross Margin 0.00%
Oper. Margin 40.23%
Profit Margin 27.97%
Shs Outstand 26.44M
Shs Float 25.88M
Insider Own 1.81%
Instit Own 94.68%
Short Float 2.23%
Short Ratio 2.84
Short Interest 493.48K
52W High 35.41
vs 52W High -2.26%
52W Low 25.23
vs 52W Low 37.18%
Beta 0.87
Impl. Vol. 1.56%
Rel Volume 0.43
Avg Volume 171.59K
Volume 72.96K
Target (mean) $37.00
Tgt Median $37.00
Tgt Low $37.00
Tgt High $37.00
# Analysts 2
Recom None
Prev Close $34.65
Price $34.61
Change -0.12%
About

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$37.00
Mean price target
2. Current target
$34.61
Latest analyst target
3. DCF / Fair value
$42.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$34.61
Low
$37.00
High
$37.00
Mean
$37.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $37
2026-04-02 main Piper Sandler Overweight → Overweight $37
2026-02-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-10-08 init Keefe, Bruyette & Woods — → Market Perform $34
2024-08-01 main Piper Sandler Overweight → Overweight $30
2024-02-01 main Piper Sandler Overweight → Overweight $24
2022-10-06 down Raymond James Outperform → Market Perform —
2022-07-07 main Raymond James — → Outperform $26
2022-01-27 main Raymond James — → Outperform $33
2021-03-11 up Raymond James Market Perform → Outperform $29
2021-01-28 up Piper Sandler Neutral → Overweight $23
2020-10-01 main Piper Sandler — → Neutral $15
2020-04-23 up Compass Point Neutral → Buy $18
2019-07-25 down Compass Point Buy → Neutral $30
2017-01-26 up Compass Point Neutral → Buy —
2016-10-28 up Compass Point Neutral → Buy —
2016-08-11 init Compass Point — → Neutral —
2016-08-02 main Raymond James — → Outperform $26
2016-07-08 init Piper Sandler — → Neutral —
2015-10-30 main Macquarie — → Neutral $35
News
RSS: Latest CPF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-17 MARTINES ARNOLD D. Chief Executive Officer — 11,635 $0.00 $0
2026-02-17 MARTINES ARNOLD D. Chief Executive Officer — 13,384 $0.00 $0
2026-02-17 MORIMOTO DAVID S Chief Operating Officer — 5,898 $0.00 $0
2026-02-17 MORIMOTO DAVID S Chief Operating Officer — 7,746 $0.00 $0
2026-02-17 MESICK RALPH M Officer — 4,528 $0.00 $0
2026-02-17 MATSUMOTO DAYNA N Chief Financial Officer — 2,974 $0.00 $0
2026-02-17 MATSUMOTO DAYNA N Chief Financial Officer — 1,052 $0.00 $0
2025-09-12 NGO AGNES CATHERINE Director — 3,333 $30.66 $102,176
2025-09-03 NGO AGNES CATHERINE Director — 1,612 $0.00 $0
2025-08-14 KOSASA PAUL J Director — 923 $28.62 $26,421
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
288.56
+17.25%
246.11
-0.35%
246.97
-4.99%
259.95
Operating Revenue
288.56
+17.25%
246.11
-0.35%
246.97
-4.99%
259.95
Selling General And Administration
105.38
+7.35%
98.16
+4.30%
94.11
-8.06%
102.37
Selling And Marketing Expense
5.63
+0.30%
5.61
-4.91%
5.90
+4.22%
5.66
General And Administrative Expense
99.75
+7.78%
92.54
+4.91%
88.21
-8.78%
96.70
Salaries And Wages
96.42
+8.26%
89.06
+5.93%
84.08
-10.92%
94.38
Other Gand A
—
—
—
—
Reconciled Depreciation
7.95
-12.83%
9.12
+18.58%
7.69
-5.80%
8.16
Total Unusual Items
-1.52
-2661.82%
-0.06
-101.94%
2.84
+560.62%
-0.62
Total Unusual Items Excluding Goodwill
-1.52
-2661.82%
-0.06
-101.94%
2.84
+560.62%
-0.62
Special Income Charges
-1.52
-2661.82%
-0.06
-101.94%
2.84
+560.62%
-0.62
Other Special Charges
0.00
-94.55%
0.06
+101.94%
-2.84
-56940.00%
0.01
Restructuring And Mergern Acquisition
1.52
0.00
0.00
-100.00%
0.61
Net Income
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Pretax Income
98.28
+44.45%
68.04
-11.43%
76.82
-22.22%
98.77
Net Interest Income
239.39
+13.34%
211.22
+0.81%
209.52
-2.63%
215.17
Interest Expense
73.28
-22.35%
94.37
+29.88%
72.66
+325.07%
17.09
Interest Income
312.67
+2.32%
305.59
+8.30%
282.18
+21.49%
232.26
Gain On Sale Of Security
-0.08
+99.22%
-9.86
-365.83%
-2.12
-124.85%
8.51
Tax Provision
20.80
+42.21%
14.63
-19.42%
18.15
-26.92%
24.84
Tax Rate For Calcs
0.00
-1.58%
0.00
-8.90%
0.00
-6.35%
0.00
Tax Effect Of Unusual Items
-0.32
-2618.14%
-0.01
-101.76%
0.67
+531.37%
-0.16
Net Income Including Noncontrolling Interests
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Net Income From Continuing Operation Net Minority Interest
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Net Income From Continuing And Discontinued Operation
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Net Income Continuous Operations
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Normalized Income
78.68
+47.18%
53.46
-5.39%
56.50
-24.05%
74.39
Net Income Common Stockholders
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Diluted EPS
—
1.97
-9.22%
2.17
-19.03%
2.68
Basic EPS
—
1.97
-9.22%
2.17
-19.63%
2.70
Basic Average Shares
—
27.06
+0.11%
27.03
-1.35%
27.40
Diluted Average Shares
—
27.16
+0.28%
27.08
-1.77%
27.57
Diluted NI Availto Com Stockholders
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Amortization
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Amortization Of Intangibles Income Statement
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Depreciation Amortization Depletion Income Statement
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Depreciation And Amortization In Income Statement
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Insurance And Claims
3.33
-4.48%
3.48
-15.75%
4.13
+77.99%
2.32
Occupancy And Equipment
21.40
-2.21%
21.88
-1.18%
22.14
+4.44%
21.20
Other Non Interest Expense
34.49
-4.97%
36.29
+18.02%
30.75
+15.41%
26.64
Professional Expense And Contract Services Expense
11.22
+14.59%
9.79
-1.70%
9.96
-7.72%
10.79
Line Item Trend 2023-12-31
Total Assets
7,642.80
Cash And Cash Equivalents
522.44
Cash Financial
116.18
Other Short Term Investments
647.21
Receivables
21.51
Accounts Receivable
21.51
Net PPE
125.90
Gross PPE
239.51
Accumulated Depreciation
-113.61
Land And Improvements
22.56
Buildings And Improvements
148.36
Machinery Furniture Equipment
38.87
Other Properties
29.72
Goodwill And Other Intangible Assets
8.70
Other Intangible Assets
8.70
Investments And Advances
1,321.09
Long Term Equity Investment
41.55
Total Liabilities Net Minority Interest
7,138.98
Payables And Accrued Expenses
18.95
Payables
18.95
Accounts Payable
18.95
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Other Current Borrowings
0.00
Long Term Debt And Capital Lease Obligation
186.74
Long Term Debt
156.10
Long Term Capital Lease Obligation
30.63
Stockholders Equity
503.81
Common Stock Equity
503.81
Capital Stock
405.44
Common Stock
405.44
Preferred Stock
0.00
Share Issued
27.05
Ordinary Shares Number
27.05
Treasury Shares Number
0.00
Additional Paid In Capital
102.98
Retained Earnings
117.99
Gains Losses Not Affecting Retained Earnings
-122.60
Minority Interest
—
Other Equity Adjustments
-122.60
Total Equity Gross Minority Interest
503.81
Total Capitalization
659.92
Invested Capital
659.92
Total Debt
186.74
Capital Lease Obligations
30.63
Net Tangible Assets
495.12
Tangible Book Value
495.12
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
522.44
Held To Maturity Securities
632.34
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
97.47
+7.67%
90.52
-13.88%
105.11
-7.89%
114.12
Cash Flow From Continuing Operating Activities
97.47
+7.67%
90.52
-13.88%
105.11
-7.89%
114.12
Net Income From Continuing Operations
77.48
+45.06%
53.41
-8.96%
58.67
-20.64%
73.93
Depreciation Amortization Depletion
7.95
-12.83%
9.12
+18.58%
7.69
-5.80%
8.16
Depreciation
7.10
+3.27%
6.88
-0.94%
6.94
+1.14%
6.87
Amortization Cash Flow
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Depreciation And Amortization
7.95
-12.83%
9.12
+18.58%
7.69
-5.80%
8.16
Amortization Of Intangibles
0.84
-62.32%
2.24
+200.67%
0.74
-42.55%
1.29
Other Non Cash Items
1.16
+115.36%
-7.54
-49.80%
-5.03
-140.52%
-2.09
Stock Based Compensation
2.25
+8.78%
2.07
+26.65%
1.64
-50.02%
3.27
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
-15.49
-276.62%
8.77
-21.76%
11.21
-56.56%
25.81
Deferred Income Tax
-15.49
-276.62%
8.77
-21.76%
11.21
-56.56%
25.81
Operating Gains Losses
0.30
-96.60%
8.75
+337.62%
-3.68
+63.79%
-10.17
Gain Loss On Investment Securities
0.03
-99.70%
9.93
+378.98%
2.07
+124.38%
-8.51
Gain Loss On Sale Of PPE
2.00
+3475.00%
0.06
+101.11%
-5.06
-1814.92%
0.29
Change In Working Capital
8.18
+90.81%
4.29
-72.65%
15.68
+33.85%
11.71
Change In Other Working Capital
8.18
+90.81%
4.29
-72.65%
15.68
+33.85%
11.71
Investing Cash Flow
67.19
+10173.09%
0.65
-99.64%
179.66
+146.73%
-384.48
Cash Flow From Continuing Investing Activities
67.19
+10173.09%
0.65
-99.64%
179.66
+146.73%
-384.48
Net PPE Purchase And Sale
-5.16
+65.80%
-15.09
-134.57%
-6.43
+65.11%
-18.44
Purchase Of PPE
-5.16
+65.80%
-15.09
-19.30%
-12.65
+31.40%
-18.44
Sale Of PPE
0.00
0.00
-100.00%
6.22
0.00
Capital Expenditure
-5.16
+65.80%
-15.09
-19.30%
-12.65
+31.40%
-18.44
Net Investment Purchase And Sale
56.95
+174.17%
-76.78
-195.81%
80.13
-11.80%
90.85
Purchase Of Investment
-60.47
+77.80%
-272.40
-455.49%
-49.04
+58.91%
-119.35
Sale Of Investment
117.42
-39.98%
195.62
+51.44%
129.17
-38.55%
210.20
Net Business Purchase And Sale
—
—
—
—
Purchase Of Business
—
—
—
—
Net Other Investing Changes
-15.96
-1739.77%
0.97
-80.46%
4.98
+55233.33%
0.01
Financing Cash Flow
-166.94
+28.25%
-232.67
-285.22%
125.62
+134.81%
53.50
Cash Flow From Continuing Financing Activities
-166.94
+28.25%
-232.67
-285.22%
125.62
+134.81%
53.50
Net Issuance Payments Of Debt
-80.00
0.00
-100.00%
45.00
+800.00%
5.00
Issuance Of Debt
0.00
0.00
-100.00%
50.00
0.00
Repayment Of Debt
-80.00
0.00
0.00
0.00
Long Term Debt Issuance
0.00
0.00
-100.00%
50.00
0.00
Long Term Debt Payments
-80.00
0.00
0.00
0.00
Net Long Term Debt Issuance
-80.00
0.00
-100.00%
50.00
0.00
Net Short Term Debt Issuance
0.00
0.00
+100.00%
-5.00
-200.00%
5.00
Net Common Stock Issuance
-23.34
-2369.42%
-0.94
+64.10%
-2.63
+86.88%
-20.06
Common Stock Payments
-23.34
-2369.42%
-0.94
+64.10%
-2.63
+87.31%
-20.74
Common Stock Dividend Paid
-29.36
-4.31%
-28.14
-0.09%
-28.12
+1.36%
-28.50
Cash Dividends Paid
-29.36
-4.31%
-28.14
-0.09%
-28.12
+1.36%
-28.50
Repurchase Of Capital Stock
-23.34
-2369.42%
-0.94
+64.10%
-2.63
+87.31%
-20.74
Changes In Cash
-2.29
+98.38%
-141.50
-134.48%
410.39
+289.24%
-216.86
Beginning Cash Position
380.94
-27.08%
522.44
+366.28%
112.04
-65.93%
328.91
End Cash Position
378.65
-0.60%
380.94
-27.08%
522.44
+366.28%
112.04
Free Cash Flow
92.30
+22.37%
75.43
-18.42%
92.46
-3.36%
95.68
Interest Paid Supplemental Data
70.30
-31.93%
103.26
+76.67%
58.45
+333.72%
13.48
Income Tax Paid Supplemental Data
21.35
—
7.31
+31.03%
5.58
Common Stock Issuance
—
0.00
0.00
-100.00%
0.68
Dividend Received CFO
0.94
0.00
-100.00%
0.05
-78.48%
0.24
Dividends Received CFI
—
—
—
—
Earnings Losses From Equity Investments
-0.11
-604.76%
0.02
-4.55%
0.02
+111.96%
-0.18
Excess Tax Benefit From Stock Based Compensation
0.27
+373.68%
0.06
-62.99%
0.15
+5.48%
0.15
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
0.68
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category