Central Pacific Financial Corp. (CPF) AI Stock Analysis

Founded in 1954 and headquartered in Honolulu, Hawaii, Central Pacific Financial Corp. serves as the holding company for Central Pacific Bank. The company provides a wide range of commercial banking services to businesses, professionals, and individuals. Its offerings include personal and business checking accounts, savings accounts, time certificates of deposit, and money market accounts. Its lending portfolio covers commercial loans, agricultural loans, residential and commercial mortgages, and construction financing. In addition, Central Pacific Bank delivers cash management, digital banking platforms, trust services, retail brokerage, and wealth management solutions across its branch and ATM network in Hawaii.

Central Pacific Financial Corp. expanded revenue from $259.9M in FY2021 to $362.3M in FY2025, recording a 5-year revenue compound annual growth rate of 7.1%. Annual net income rose to $77.5M in FY2025 after reaching $73.9M in FY2022, $58.7M in FY2023, and $53.4M in FY2024. Operating margin stood at 27.8% in FY2025, improving from 20.0% in FY2024. In the latest quarter ended June 30, 2026, revenue increased 7.7% year-over-year, while quarterly earnings grew 19.4% year-over-year. For the trailing twelve months, revenue reached $288.2M with a net profit margin of 28.8% and diluted EPS of $3.12.

As of June 30, 2026, Central Pacific Financial Corp. held $1.76B in cash and short-term investments alongside total debt of $100.6M, resulting in net cash of $1.66B. Total assets stood at $7.50B, with shareholders' equity of $596.3M, a debt-to-equity ratio of 0.17, and a current ratio of 0.27. In FY2025, operating cash flow reached $97.5M. The company funded $5.2M in capital expenditures, distributed $29.4M in dividends, and directed $23.3M toward share buybacks, contributing to a 5-year share count reduction of 6.4%.

Central Pacific Financial Corp. trades at a trailing price-to-earnings multiple of 11.7x and a forward P/E of 9.4x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales multiple is 3.3x, compared with the peer group median of 3.2x. Over the past year, the stock returned 36.8%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, however, its 76.2% return trailed the S&P 500 gain of 83.0%.

Central Pacific Financial Corp. pays a quarterly dividend totaling $1.20 annually, representing a forward dividend yield of 3.29% and a payout ratio of 36.7%. The company has paid dividends for 14 consecutive years, achieving an annualized 5-year dividend growth rate of 3.4%. Its most recent ex-dividend date occurred on August 31, 2026.

Wall Street coverage consists of 1 Strong Buy, 1 Buy, and 3 Hold recommendations. The mean price target of $41.75 implies an upside of 14.4% relative to the last close of $36.48. Consensus forecasts call for FY2026 EPS of $3.27 on revenue of $305.7M, followed by FY2027 EPS of $3.59 on revenue of $316.2M. The company exceeded earnings estimates in 3 of the last 4 quarters, with its next earnings date scheduled for October 28, 2026.

This page is an AI-written research summary of Central Pacific Financial Corp. (CPF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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