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Central pacific financial corp.CPF.US Overview

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CPF Recent Performance

1.32%

Central pacific financial corp.

1.79%

Avg of Sector

-0.31%

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CPF Key Information

CPF Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

CPF Profile

Central 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.

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CPF FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

CPF Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.89
PE Ratio (TTM)
11.14
Forward PE
10.56
PS Ratio (TTM)
3.08
PB Ratio
1.50
Price-to-FCF
11.82
METRIC
VALUE
vs. INDUSTRY
Gross Margin
94.33%
Net Margin
26.16%
Revenue Growth (YoY)
23.08%
Profit Growth (YoY)
16.11%
3-Year Revenue Growth
11.41%
3-Year Profit Growth
4.26%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.89
PE Ratio (TTM)
11.14
Forward PE
10.56
PS Ratio (TTM)
3.08
PB Ratio
1.50
Price-to-FCF
11.82
Gross Margin
94.33%
Net Margin
26.16%
Revenue Growth (YoY)
23.08%
Profit Growth (YoY)
16.11%
3-Year Revenue Growth
11.41%
3-Year Profit Growth
4.26%

  • When is CPF's latest earnings report released?

    The most recent financial report for Central pacific financial corp. (CPF) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CPF's short-term business performance and financial health. For the latest updates on CPF's earnings releases, visit this page regularly.

  • Where does CPF fall in the P/E River chart?

    According to historical valuation range analysis, Central pacific financial corp. (CPF)'s current price-to-earnings (P/E) ratio is 9.09, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of CPF?

    According to the latest financial report, Central pacific financial corp. (CPF) reported an Operating Profit of 30.61M with an Operating Margin of 32.88% this period, representing a growth of 128.37% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is CPF's revenue growth?

    In the latest financial report, Central pacific financial corp. (CPF) announced revenue of 93.08M, with a Year-Over-Year growth rate of 61.65%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does CPF have?

    As of the end of the reporting period, Central pacific financial corp. (CPF) had total debt of 127.65M, with a debt ratio of 0. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does CPF have?

    At the end of the period, Central pacific financial corp. (CPF) held Total Cash and Cash Equivalents of 88.2M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does CPF go with three margins increasing?

    In the latest report, Central pacific financial corp. (CPF) achieved the “three margins increasing” benchmark, with a gross margin of 81.96%%, operating margin of 32.88%%, and net margin of 24.58%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CPF's profit trajectory and future growth potential.

  • Is CPF's EPS continuing to grow?

    According to the past four quarterly reports, Central pacific financial corp. (CPF)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.86. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of CPF?

    Central pacific financial corp. (CPF)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of CPF?

    The latest valuation data shows Central pacific financial corp. (CPF) has a Price-To-Earnings (PE) ratio of 9.09 and a Price/Earnings-To-Growth (PEG) ratio of 0.37. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.