8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Jan 28, 2026·SEC
Material company update
Dec 16, 2025·SEC
Central Pacific Financial Corp.(CPF)Earnings, Financials & Key Ratios
CPF•NYSE•Banking & Credit
$38.47
13.4× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCentral Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.Show more
- Net Interest Income$240M+13.5%
- Total Revenue$362M+6.4%
- Net Income$77M+45.1%
- Return on Equity13.7%+33.7%
- Net Interest Margin3.24%+14.5%
- Efficiency Ratio48.33%-2.3%
- ROA1.04%+47.3%
- Equity / Assets8%+11.0%
- Book Value per Share22.09+11.6%
CPF Price & Volume
Central Pacific Financial Corp. (CPF) stock price & volume — 10-year historical chart
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Stable Hawaii Banking Amidst Margin Compression
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic and tourism concentration
Key Thesis Takeaways
- Central Pacific Financial demonstrates a disciplined approach to organic growth within the isolated Hawaii market, maintaining a stable $7.5 billion asset base while navigating persistent net interest margin pressures.
- The bank's reliance on a $6.7 billion investment securities portfolio provides defensive liquidity but introduces potential duration risk that warrants investor caution.
- Future performance hinges on the bank's ability to leverage its 48.7% efficiency ratio to drive profitability as it balances capital returns with the ongoing costs of its digital transformation.
Verdict Logic
while the bank maintains a healthy 0.08 equity-to-assets ratio and a 2.9% dividend yield, the stagnant 0.8% net interest margin suggests limited near-term upside for earnings expansion.
CPF Growth Metrics
Central Pacific Financial Corp. (CPF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.65%
5 Years7.06%
3 Years9.36%
TTM-
Profit CAGR
10 Years5.38%
5 Years15.76%
3 Years1.58%
TTM38.16%
EPS CAGR
10 Years7.44%
5 Years16.81%
3 Years2.31%
TTM40.19%
Return on Capital
10 Years11.16%
5 Years11.72%
3 Years10.51%
Last Year12.5%
CPF Recent Earnings
Central Pacific Financial Corp. (CPF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.78+5.4%
$0.74
Rev
$73M-1.8%
$74M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.85+16.4%
$0.73
Rev
$76M+1.1%
$75M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.73+1.4%
$0.72
Rev
$74M-2.3%
$75M
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$0.67+4.7%
$0.64
Rev
$72M-4.0%
$75M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.78vs $0.74+5.4% | $73Mvs $74M-1.8% |
| Q1 2026 | Jan 28, 2026 | $0.85vs $0.73+16.4% | $76Mvs $75M+1.1% |
| Q4 2025 | Oct 29, 2025 | $0.73vs $0.72+1.4% | $74Mvs $75M-2.3% |
| Q3 2025 | Jul 25, 2025 | $0.67vs $0.64+4.7% | $72Mvs $75M-4.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Central Pacific Financial Corp. (CPF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $38.47 | $1B | 13.40 | 6.42% | 21.38% | 13.7% | 2.84% | |
| $83.06 | $3.29B | 17.98 | 3.12% | 20.53% | 12.12% | — | |
| $21.82 | $292.95M | 11.19 | -7.31% | 4.73% | 16.21% | — | |
| $30.34 | $3.69B | 13.79 | 3.21% | 24.81% | 10.39% | — | |
| $168.69 | $10.89B | 13.71 | 5.7% | 20.43% | 14.64% | — | |
| $38.16 | $2.82B | 14.51 | -1.58% | 18.26% | 8.36% | — |
Compare CPF vs Peers
Central Pacific Financial Corp. (CPF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPF SEC Filings & Documents
Central Pacific Financial Corp. (CPF) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CPF Frequently Asked Questions
Central Pacific Financial Corp. (CPF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Central Pacific Financial Corp. growing?
Central Pacific Financial Corp. (CPF) grew revenue by 6.4% over the past year. This is steady growth.
Is CPF profitable?
Yes, Central Pacific Financial Corp. (CPF) is profitable, generating $80.4M in net income for fiscal year 2025 (21.4% net margin).
Dividend & Returns
Does CPF pay dividends?
Yes, Central Pacific Financial Corp. (CPF) pays a dividend with a yield of 2.84%. This makes it attractive for income-focused investors.
What is CPF's return on equity?
Central Pacific Financial Corp. (CPF) has a return on equity (ROE) of 13.7%. This is reasonable for most industries.
Industry Metrics
What is Central Pacific Financial Corp.'s net interest margin?
Central Pacific Financial Corp. (CPF) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Central Pacific Financial Corp.'s efficiency ratio?
Central Pacific Financial Corp. (CPF) has an efficiency ratio of 48.3%. This is excellent, indicating strong cost control.