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Central Pacific Financial Corporation (CPF)
Price$34.16
Favorite Metrics
Price vs S&P 500 (26W)10.21%
Price vs S&P 500 (4W)5.30%
Market Capitalization$893.82M
P/E Ratio (Annual)11.54x
Indicated Dividend Yield (Annual)3.43%
All Metrics
P/CF (Annual)9.17x
Book Value / Share (Quarterly)$22.47
P/TBV (Annual)1.43x
Indicated Dividend (Annual)$1.08
Revenue Growth (3Y)2.45%
Cash Flow / Share (Quarterly)$3.50
Payout Ratio (TTM)37.89%
Price vs S&P 500 (YTD)6.02%
Net Profit Margin (TTM)24.78%
EPS (TTM)$2.87
10-Day Avg Trading Volume0.13M
EPS Excl Extra (TTM)$2.87
Revenue Growth (5Y)4.97%
EPS (Annual)$2.86
Dividend / Share (Annual)$1.10
ROI (Annual)12.03%
Net Profit Margin (5Y Avg)25.65%
Cash / Share (Quarterly)$4.02
P/E Basic Excl Extra (TTM)11.54x
Revenue Growth QoQ (YoY)21.36%
EPS Growth (5Y)16.71%
P/E Normalized (Annual)11.54x
ROA (Last FY)1.05%
Revenue Growth TTM (YoY)22.86%
EBITD / Share (TTM)$3.90
ROE (5Y Avg)13.05%
Operating Margin (TTM)32.75%
Cash Flow / Share (Annual)$3.50
P/B Ratio1.51x
P/B Ratio (Quarterly)1.41x
Net Income / Employee (Annual)$0
ROA (TTM)1.05%
EPS Growth QoQ (YoY)104.56%
EV / EBITDA (TTM)8.97x
EPS Incl Extra (Annual)$2.86
3-Month Avg Trading Volume0.17M
52-Week Price Return39.06%
EV / Free Cash Flow (Annual)10.24x
P/E Incl Extra (TTM)11.54x
Tangible BV / Share (Quarterly)$22.14
P/S Ratio (Annual)1.79x
52-Week High$35.01
Operating Margin (5Y Avg)34.19%
EPS Excl Extra (Annual)$2.86
CapEx CAGR (5Y)-27.63%
Tangible BV CAGR (5Y)1.77%
26-Week Price Return14.20%
13-Week Price Return8.42%
Total Debt / Equity (Annual)0.09x
Enterprise Value$945.369
Revenue / Share Growth (5Y)7.48%
Book Value / Share Growth (5Y)2.99%
Revenue / Employee (Annual)$352,484
Pretax Margin (Annual)37.49%
Cash / Share (Annual)$3.59
3-Month Return Std Dev26.72%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.81%
EBITDA Interim CAGR (5Y)11.30%
ROE (Last FY)13.08%
EPS Basic Excl Extra (Annual)$2.86
P/FCF (TTM)9.68x
EV / Free Cash Flow (TTM)10.24x
Total Debt / Equity (Quarterly)0.09x
EPS Incl Extra (TTM)$2.87
ROI (TTM)11.57%
Dividend Growth Rate (5Y)3.68%
P/S Ratio (TTM)1.83x
Pretax Margin (5Y Avg)34.19%
Revenue / Share (Annual)$9.56
Tangible BV / Share (Annual)$22.14
Forward P/E10.37x
Free OCF CAGR (5Y)12.69%
Price vs S&P 500 (52W)9.23%
P/E Ratio (TTM)11.54x
EPS Growth TTM (YoY)45.70%
Year-to-Date Return8.66%
5-Day Price Return-0.18%
EPS Normalized (Annual)$2.86
ROA (5Y Avg)0.92%
Net Profit Margin (Annual)28.06%
Month-to-Date Return5.94%
Cash Flow / Share (TTM)$2.64
EBITD / Share (Annual)$3.90
EPS Growth (3Y)2.23%
Operating Margin (Annual)37.49%
LT Debt / Equity (Annual)0.09x
P/CF (TTM)9.17x
ROI (5Y Avg)11.04%
P/E Excl Extra (TTM)11.54x
LT Debt / Equity (Quarterly)0.09x
EPS Basic Excl Extra (TTM)$2.87
P/TBV (Quarterly)1.43x
Payout Ratio (Annual)37.89%
P/B Ratio (Annual)1.41x
Dividend / Share (TTM)$1.10
Pretax Margin (TTM)32.75%
Book Value / Share (Annual)$22.47
Price vs S&P 500 (13W)7.73%
Net Margin Growth (5Y)3.33%
Dividend Yield (TTM)3.28%
Beta0.89x
P/FCF (Annual)9.68x
Revenue / Share (TTM)$9.52
ROE (TTM)13.43%
52-Week Low$23.71
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.71
3.71
3.71
3.71
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CPFCentral Pacific Financial Corporation | 1.41x | 13.43% | 1.05% | — | $34.16 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
About
Central Pacific Financial Corp is a U.S.-based commercial bank providing deposits, loans, and banking services to retail and commercial customers. It originates commercial, construction, and mortgage loans as well as consumer lending, with deposits protected by FDIC insurance up to applicable limits. The company generates revenue through interest and fees on loans, investment securities, and deposit-related services.