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Central Pacific Financial Corp (CPF)

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Central Pacific Financial Corp. is the bank holding company for Central Pacific Bank, a Hawaii-based financial institution serving businesses, professionals, and individuals in the United States. Through its banking franchise, the company provides a broad mix of deposit and lending products, including checking, savings and time deposit accounts, money market accounts, certificates of deposit, cash management, and digital banking services. Its lending activities cover commercial and industrial credit, commercial real estate, residential mortgages, home equity, and consumer loans. The company also offers related services such as debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, foreign exchange, wire transfers, and night depository facilities. In addition, Central Pacific Financial provides wealth management and advisory services, including non-deposit investment products, annuities, insurance, investment management, asset custody, financial consultation, and estate planning. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-CPF
$43.04
11.9% Upside
Fair
$41.67
8.3% Upside
Fair
Good
—
—
1.16
3.0%
July 24, 2026
12.5x
1.7x
3.5x
1.008 B
—
9.4%
89.0%
-2.0
36.8%
111.9%
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Valuation • Fair Value

Central Pacific Financial Corp (NYSE-CPF) Fair Value by Valuation Model

Compare the primary fair value estimate for Central Pacific Financial Corp (NYSE-CPF) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$43.04

Estimated upside of 11.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$34.20

Classic Ben Graham valuation formula reference.

DDM Fair Value

$74.41

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$32.58

Comparable-company valuation reference.

Analyst Price Target

$41.67

Analysts imply upside of 8.3%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Central Pacific Financial Corp (NYSE-CPF) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Central Pacific Financial Corp (NYSE-CPF)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

282.9 M

Current operating scale indicator.

Revenue Forecast

302 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Central Pacific Financial Corp (NYSE-CPF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Central Pacific Financial Corp (NYSE-CPF)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

111.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Central Pacific Financial Corp (NYSE-CPF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Central Pacific Financial Corp (NYSE-CPF)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

3.0%

Income yield reference.

Upcoming Dividend

1.16

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

36.8%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Central Pacific Financial Corp (NYSE-CPF), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Central Pacific Financial Corp (NYSE-CPF) Stock Forecast & Technical Outlook

Review Central Pacific Financial Corp (NYSE-CPF) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Central Pacific Financial Corp (NYSE-CPF)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Central Pacific Financial Corp (NYSE-CPF) has a Hold consensus, with 1 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 2
Sell 0
FAQ • Fast Investor Answers

Central Pacific Financial Corp (NYSE-CPF) Stock FAQ

Quick answers about Central Pacific Financial Corp (NYSE-CPF) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$43.04
Estimated upside 11.9%
Valuation Rating
Undervalued
Estimated upside of 11.9%
Analyst Target
$41.67
Implied upside 8.3%
Financial Health
Good
Current financial-health read

The current fair value estimate for Central Pacific Financial Corp (NYSE-CPF) is $43.04. This implies an estimated upside of 11.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 11.9% versus the current market price.

The available analyst price target for Central Pacific Financial Corp (NYSE-CPF) is $41.67. The analyst target implies estimated upside of 8.3%.

The current financial health read for Central Pacific Financial Corp (NYSE-CPF) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Central Pacific Financial Corp (NYSE-CPF) is July 24, 2026.

Based on the current data, dividend yield is 3.0%, upcoming dividend amount is 1.16.

The current P/E ratio listed for Central Pacific Financial Corp (NYSE-CPF) is 12.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Central Pacific Financial Corp is 1.008 B.

The ticker symbol for Central Pacific Financial Corp is NYSE-CPF, and the stock is listed on NYSE.

Central Pacific Financial Corp (NYSE-CPF) is listed on NYSE.

The current debt-to-total-capital ratio listed for Central Pacific Financial Corp is 9.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Central Pacific Financial Corp is 89.0%. Free float helps investors understand how much of the share base is available for public trading.

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