LIVE

CPF

Central Pacific Financial Corp.

CPF

NYSE·Financial Services·Banks - Regional·Mkt cap $1.0B

$38.28

-1.59%

View full research view

Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

View research view

52-Week Range

$25.62 - $39.20

P/E

12.72

Fwd P/E

11.72

Beta

0.85

Div Yield

2.95%

Avg Vol

143.3K

Shares Out

26.8M

Mkt Cap

$1.0B

Price action

Price chart

Up 29.2% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

5 reasons

  • Dominant market presence in Hawaii with 30 branches and established local relationships
  • Specialized expertise in agricultural and commercial lending to regional businesses
  • Integrated wealth management and trust services for high-net-worth clients
  • Deep community roots since 1954 with understanding of local economic dynamics
  • Comprehensive digital banking platform with mobile and internet services

Bear Case

1 risk

  • Average volatility.

Growth

Revenue decline expected

Expansion of commercial and agricultural lending to growing small business sector

Value

Fairly valued vs Commercial Banking peers

Momentum

Strong

+17.2% over 3m

Quality

Excellent

Excellent business quality

Dividend

Solid

2.95% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 21, 2026

Q2 26 RECAP

APR 29, 2026

Reported EPS of $0.78 vs $0.74 consensus (+5.4% surprise). Revenue of $72.9M vs $74.3M expected (-1.8%).

EPS beat +5.4%
Revenue miss

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+5.4%

Next: Apr 21, 2026

Revenue trend · last 8Q

-5%

+12%

+14%

+13%

+61%

+0%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$62.7M

$65.3M

$57.9M

$87.1M

$89.9M

$92.2M

$93.1M

$87.5M

Margins · last 8Q

Gross

Operating

Profit

23.7%

Wall Street consensus

2 analysts · 50% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

1

50%

Hold

1

50%

Sell

0%

Median Price Target

Latest: Keefe, Bruyette & Woods · Apr 9, 2026

vs Industry

How CPF stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.