CPF

BULLISH

$34.01 Live

Central Pacific Financial Corp. · NYSE

Target $37.0 (+8.8%)

$25.23 52W Range $35.41

CPF Central Pacific Financial Corp. - Fundamental Analysis

BULLISH

Console Chart News

CPF Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$34.01

Analyst Target

$37.0

+8.8% Upside

52W High

$35.41

52W Low

$25.23

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$899.11M

P/E

11.89

ROE

13.7%

Profit margin

28.0%

Debt/Equity

N/A

Dividend yield

3.41%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

CPF exhibits strong fundamental value, trading below its Graham Number ($38.08) and significantly below its growth-based intrinsic value ($84.37). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company is delivering explosive earnings growth (103.10% YoY) and maintaining a sustainable dividend payout. Despite a bearish technical trend (10/100), the low forward P/E of 9.40 and consistent historical earnings beats suggest a significant valuation disconnect. The overall profile is that of a high-growth regional bank trading at a defensive discount.

Key Strengths

Explosive earnings growth (103.10% YoY) and revenue growth (28.30% YoY)

Trading below Graham Number ($38.08) and Intrinsic Value ($84.37)

Low forward P/E ratio of 9.40 compared to sector averages

Sustainable dividend profile with a 38.11% payout ratio

Strong 25-quarter track record of earnings performance

Key Risks

Severely bearish technical trend (10/100) indicating short-term momentum loss

Piotroski F-Score of 4/9 suggests only 'stable' health rather than 'strong'

Low insider sentiment (40/100) and lack of recent insider buying

Concentration risk inherent to regional banking sector

Limited analyst coverage (only 2 analysts)

AI Fair Value Estimate

Based on comprehensive analysis

$41.5

+22.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value with Growth Tailwinds

Key drivers: Earnings acceleration, Undervaluation relative to Graham Number, Sustainable dividend yield

Confidence

90%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

Price $34.01 < Graham Number $38.08
Low P/E of 11.89
Forward P/E of 9.40

Watchpoints

PEG ratio of 1.97 is slightly elevated

Future

95/100

Ref Growth rates

Positives

103.10% YoY Earnings Growth
31.19% Q/Q Revenue Growth

Watchpoints

Regional bank regulatory risks

Past

85/100

Ref Historical trends

Positives

Consistent earnings beats over 25 quarters
Strong 3Y price change of +156.5%

Watchpoints

Recent 1/4 beat ratio in the last 4 quarters

Health

50/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score of 4/9 is in the 'Stable' range

Watchpoints

F-Score is not in the 'Strong' (7-9) category

Dividend

70/100

Ref Yield, Payout

Positives

3.41% yield
Low payout ratio (38.11%)

Watchpoints

Dividend strength score is only 50/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$34.01

Analyst Target

$37.0

Upside/Downside

+8.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CPF and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CPF Central Pacific Financial Corp. Primary	+57.6%	+156.5%	+36.8%	+17.7%	+6.6%	-2.4%
CHI Calamos Convertible Opportunities and Income Fund Peer	+21.9%	+45.1%	+45.7%	+8.3%	+3.9%	+5.4%
MCBS MetroCity Bankshares, Inc. Peer	+135.3%	+116.8%	+15.1%	+22.4%	+10.5%	0.0%
HBNC Horizon Bancorp, Inc. Peer	+20.5%	+92.3%	+36.3%	+14.6%	+10.2%	-0.3%
CHY Calamos Convertible and High Income Fund Peer	+18.4%	+43.7%	+38.4%	+5.6%	+1.1%	+4.7%

CPF

Central Pacific Financial Corp.

Primary

+57.6%

+156.5%

+36.8%

+17.7%

+6.6%

-2.4%

CHI

Calamos Convertible Opportunities and Income Fund

Peer

+21.9%

+45.1%

+45.7%

+8.3%

+3.9%

+5.4%

MCB

MetroCity Bankshares, Inc.

Peer

+135.3%

+116.8%

+15.1%

+22.4%

+10.5%

0.0%

HBN

Horizon Bancorp, Inc.

Peer

+20.5%

+92.3%

+36.3%

+14.6%

+10.2%

-0.3%

CHY

Calamos Convertible and High Income Fund

Peer

+18.4%

+43.7%

+38.4%

+5.6%

+1.1%

+4.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.89

9.4

1.97

1.51

3.25

2.21

N/A

$899.11M

Profitability

Profit margins and return metrics

Profit Margin 27.97%

Operating Margin 40.23%

Gross Margin N/A

ROE 13.7%

ROA 1.04%

Growth

Revenue and earnings growth rates

Revenue Growth +28.3%

Earnings Growth +103.1%

Q/Q Revenue Growth +31.19%

Q/Q Earnings Growth +101.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$14.68

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

30.1%

Total Assets

$7.4B

Liabilities

$6.8B

Equity

$0.6B

Debt/Equity

11.50x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

93%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29

$N/A

2026-01-28

$0.85

+16.4% surprise

2025-10-29

$0.73

-1.4% surprise

2025-07-25

$0.67

-4.3% surprise

Financial Services Sector Comparison

Comparing CPF against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)

P/E Ratio

11.89

This Stock

38.75

Sector Avg

-69.3% (Discount)

Return on Equity (ROE)

13.7%

This Stock

-0.94%

Sector Avg

-1563.2% (Below Avg)

Profit Margin

27.97%

This Stock

58.65%

Sector Avg

-52.3% (Weaker)

Revenue Growth

28.3%

This Stock

42.21%

Sector Avg

-33.0% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CPF Central Pacific Financial Corp.	BULLISH	$899.11M	11.89	13.7%	28.0%	$34.01
CHI Calamos Convertible...	BULLISH	$901.39M	5.17	21.0%	847.6%	$11.32	Compare
MCBS MetroCity Bankshares, Inc.	NEUTRAL	$905.08M	11.96	14.2%	44.0%	$31.58	Compare
HBNC Horizon Bancorp, Inc.	NEUTRAL	$905.67M	-	-20.7%	-%	$17.68	Compare
CHY Calamos Convertible and...	BULLISH	$912.29M	4.87	21.1%	851.2%	$11.4	Compare

CPF Central Pacific...

BULLISH

Mkt Cap

$899M

P/E

11.9

ROE

13.7%

Price

$34.01

Compare with CPF

Compare with CPF

HBNC Horizon Bancorp, Inc.

Compare with CPF

Compare with CPF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-17	MARTINES ARNOLD D.	Chief Executive Officer	Stock Award	11,635	-
2026-02-17	MARTINES ARNOLD D.	Chief Executive Officer	Stock Award	13,384	-
2026-02-17	MORIMOTO DAVID S	Chief Operating Officer	Stock Award	5,898	-
2026-02-17	MORIMOTO DAVID S	Chief Operating Officer	Stock Award	7,746	-
2026-02-17	MESICK RALPH M	Officer	Stock Award	4,528	-
2026-02-17	MATSUMOTO DAYNA N	Chief Financial Officer	Stock Award	2,974	-
2026-02-17	MATSUMOTO DAYNA N	Chief Financial Officer	Stock Award	1,052	-

MARTINES ARNOLD D.

Chief Executive Officer

Stock Award

2026-02-17

11,635 shares

MARTINES ARNOLD D.

Chief Executive Officer

Stock Award

2026-02-17

13,384 shares

MORIMOTO DAVID S

Chief Operating Officer

Stock Award

2026-02-17

5,898 shares

MORIMOTO DAVID S

Chief Operating Officer

Stock Award

2026-02-17

7,746 shares

MESICK RALPH M

Officer

Stock Award

2026-02-17

4,528 shares

MATSUMOTO DAYNA N

Chief Financial Officer

Stock Award

2026-02-17

2,974 shares

MATSUMOTO DAYNA N

Chief Financial Officer

Stock Award

2026-02-17

1,052 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-03-06

CPF filed a definitive proxy statement on March 6, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

10-K

2026-02-27

CPF's 10-K filing dated February 27, 2026, includes standard disclosures regarding the company's business operations, risk factors, and financial condition. The provided excerpts consist of the filing's table of contents and do not contain specific financial metrics or detailed risk descriptions.

8-K

2026-01-28

CPF filed an 8-K on January 28, 2026, likely to report its fourth-quarter and full-year financial results.

8-K

2025-12-16

8-K

2025-11-07

CPF filed an 8-K on November 7, 2025, likely to report its third-quarter financial results.

10-Q

2025-10-29

CPF reports no material changes in its cash requirements from known contractual and other obligations since December 31, 2024. While the filing references risk factors under Item 1A, no specific new risks were detailed in the provided excerpts.

8-K

2025-10-29

CPF filed an 8-K on October 29, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-01

CPF filed a current report on October 1, 2025, likely announcing third-quarter financial results or a material corporate update.

8-K

2025-08-25

CPF filed an 8-K on August 25, 2025, likely to announce its quarterly financial results.

10-Q

2025-08-05

CPF reports no material changes in its cash requirements from known contractual and other obligations since December 31, 2024. The company refers investors to Item 1A of its filings for a detailed discussion of its risk factors.

8-K

2025-07-25

8-K

2025-06-27

10-Q

2025-04-30

8-K

2025-04-28

8-K

2025-04-23

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

2 analysts

Keefe, Bruyette & Woods

2026-04-09

Maintains

Market Perform Market Perform

Piper Sandler

2026-04-02

Maintains

Overweight Overweight

Keefe, Bruyette & Woods

2026-02-02

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning CPF from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

CPF

CPF Central Pacific Financial Corp. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

Wait — Don't Miss Out!