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Central Pacific Financial Corp. CPF

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Price alert · CPF

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37.98 USD -0.71 -1.84%

At close · Oct 30

37.98 0.00 0.00%

After hours · Oct 30, 4:01 PM ET

Bid
37.88 × 100
Ask
38.16 × 100
37.78 Day range 38.64
28.51 52-week range 39.99
YTD
+21.89%
1 year
+30.61%
Open
38.80
Prev close
38.69
Mkt cap
966.35M
Vol
163.83K
Avg vol
160.32K
EPS
3.31
P/E
11.47
Div yield
3.10%
More statistics
Low
37.78
High
38.64
Forward P/E
10.73
Beta
0.84
Short ratio
3.99
Inst. own
97.35%
Dividend
1.20
Ex-div date
Aug 30, 2026
Earnings
Oct 28, 2026
50-d avg
37.99
200-d avg
33.68
1y target
43.00

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Financial health

Altman Z-Score

-0.59 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 10.9×
FY 2016: 20.7×FY 2017: 21.9×FY 2018: 12.1×FY 2019: 14.4×FY 2020: 14.3×FY 2021: 9.9×FY 2022: 7.5×FY 2023: 9.1×FY 2024: 14.7×FY 2025: 10.9×
FY 2016 5y median 9.9× FY 2025
P/S 2.3×
FY 2016: 4.8×FY 2017: 4.2×FY 2018: 3.1×FY 2019: 3.3×FY 2020: 2.1×FY 2021: 3.0×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 2.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
P/B 1.4×
FY 2016: 1.9×FY 2017: 1.8×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/FCF 9.1×
FY 2016: 13.8×FY 2017: 10.0×FY 2018: 7.1×FY 2019: 13.0×FY 2020: 10.5×FY 2021: 8.9×FY 2022: 5.8×FY 2023: 5.8×FY 2024: 10.4×FY 2025: 9.1×
FY 2016 5y median 8.9× FY 2025
EV/EBITDA 5.1×
FY 2016: 12.8×FY 2017: 10.9×FY 2018: 10.6×FY 2019: 12.1×FY 2020: 9.8×FY 2021: 5.2×FY 2022: 5.5×FY 2023: 2.3×FY 2024: 7.7×FY 2025: 5.1×
FY 2016 5y median 5.2× FY 2025
EV/Sales 1.5×
FY 2016: 5.6×FY 2017: 4.4×FY 2018: 4.0×FY 2019: 4.0×FY 2020: 2.3×FY 2021: 2.3×FY 2022: 2.1×FY 2023: 0.6×FY 2024: 1.7×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
FCF Yield 11.0%
FY 2016: 7.2%FY 2017: 10.0%FY 2018: 14.0%FY 2019: 7.7%FY 2020: 9.5%FY 2021: 11.2%FY 2022: 17.2%FY 2023: 17.4%FY 2024: 9.6%FY 2025: 11.0%
FY 2016 5y median 11.2% FY 2025

Profitability

Gross Margin 76.1%
FY 2016: 99.0%FY 2017: 94.5%FY 2018: 90.0%FY 2019: 85.0%FY 2020: 77.9%FY 2021: 102.7%FY 2022: 94.4%FY 2023: 72.5%FY 2024: 69.5%FY 2025: 76.1%
FY 2016 5y median 76.1% FY 2025
Operating Margin 27.8%
FY 2016: 36.5%FY 2017: 35.3%FY 2018: 33.7%FY 2019: 30.2%FY 2020: 19.0%FY 2021: 40.7%FY 2022: 35.7%FY 2023: 24.0%FY 2024: 20.0%FY 2025: 27.8%
FY 2016 5y median 27.8% FY 2025
Net Margin 21.4%
FY 2016: 23.4%FY 2017: 19.2%FY 2018: 25.6%FY 2019: 22.6%FY 2020: 14.5%FY 2021: 30.7%FY 2022: 26.7%FY 2023: 18.4%FY 2024: 15.7%FY 2025: 21.4%
FY 2016 5y median 21.4% FY 2025
ROE 13.1%
FY 2016: 9.3%FY 2017: 8.2%FY 2018: 12.1%FY 2019: 11.0%FY 2020: 6.8%FY 2021: 14.3%FY 2022: 16.3%FY 2023: 11.6%FY 2024: 9.9%FY 2025: 13.1%
FY 2016 5y median 13.1% FY 2025
ROIC 10.0%
FY 2016: 6.1%FY 2017: 6.2%FY 2018: 6.9%FY 2019: 6.5%FY 2020: 4.7%FY 2021: 10.2%FY 2022: 10.7%FY 2023: 7.6%FY 2024: 6.5%FY 2025: 10.0%
FY 2016 5y median 10.0% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.6%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 6.4%
FY 2016: 5.6%FY 2017: 6.8%FY 2018: 8.2%FY 2019: 11.2%FY 2020: -0.2%FY 2021: 0.9%FY 2022: 6.6%FY 2023: 15.4%FY 2024: 6.5%FY 2025: 6.4%
FY 2016 FY 2025
Operating Income 48.0%
FY 2016: 0.4%FY 2017: 3.5%FY 2018: 3.2%FY 2019: -0.4%FY 2020: -37.1%FY 2021: 115.5%FY 2022: -6.5%FY 2023: -22.2%FY 2024: -11.4%FY 2025: 48.0%
FY 2016 FY 2025
EPS (diluted) 45.7%
FY 2016: 7.1%FY 2017: -10.7%FY 2018: 50.0%FY 2019: 1.0%FY 2020: -35.0%FY 2021: 114.4%FY 2022: -5.3%FY 2023: -19.0%FY 2024: -9.2%FY 2025: 45.7%
FY 2016 FY 2025
Free Cash Flow 22.4%
FY 2016: 2.8%FY 2017: 27.9%FY 2018: 11.1%FY 2019: -35.2%FY 2020: -21.8%FY 2021: 73.9%FY 2022: 8.3%FY 2023: -3.4%FY 2024: -18.4%FY 2025: 22.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.5×FY 2017: 0.2×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -2.5×
FY 2016: 1.6×FY 2017: 0.5×FY 2018: 2.5×FY 2019: 2.3×FY 2020: 1.1×FY 2021: -1.6×FY 2022: 0.3×FY 2023: -4.0×FY 2024: -2.5×FY 2025: -2.5×
FY 2016 5y median -2.5× FY 2025
Interest Coverage 1.4×
FY 2016: 8.0×FY 2017: 5.1×FY 2018: 3.1×FY 2019: 2.4×FY 2020: 3.3×FY 2021: 13.7×FY 2022: 5.8×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.9%FY 2017: 2.3%FY 2018: 3.4%FY 2019: 3.0%FY 2020: 4.9%FY 2021: 3.4%FY 2022: 5.1%FY 2023: 5.3%FY 2024: 3.6%FY 2025: 3.5%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 37.9%
FY 2016: 39.6%FY 2017: 51.7%FY 2018: 40.6%FY 2019: 44.1%FY 2020: 69.6%FY 2021: 33.7%FY 2022: 38.6%FY 2023: 47.9%FY 2024: 52.7%FY 2025: 37.9%
FY 2016 5y median 38.6% FY 2025

Annual · latest fiscal year ends 2025-12-31