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Central Pacific Financial Corp (CPF)

Central Pacific Financial Corp. is the bank holding company for Central Pacific Bank, a Hawaii-based financial institution serving businesses, professionals, and individuals in the United States. Through its banking franchise, the company provides a broad mix of deposit and lending products, including checking, savings and time deposit accounts, money market accounts, certificates of deposit, cash management, and digital banking services. Its lending activities cover commercial and industrial credit, commercial real estate, residential mortgages, home equity, and consumer loans. The company also offers related services such as debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, foreign exchange, wire transfers, and night depository facilities. In addition, Central Pacific Financial provides wealth management and advisory services, including non-deposit investment products, annuities, insurance, investment management, asset custody, financial consultation, and estate planning. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-CPF
$48.85
29.6% Upside
Undervalued
$41.75
10.8% Upside
Fair
Good
3.2%
11.7x
1.6x
3.4x
970.4 M
9.6%
88.9%
-2.0
36.0%
118.0%
Valuation • Fair Value

Central Pacific Financial Corp (NYSE-CPF) Fair Value by Valuation Model

Review the available estimates for Central Pacific Financial Corp (NYSE-CPF), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$48.85

Estimated upside of 29.6% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$35.77

Classic Ben Graham valuation formula reference.

DDM Fair Value

$70.01

Dividend discount model valuation reference.

Comps Fair Value

$34.75

Comparable-company valuation reference.

Analyst Price Target

$41.75

Analysts imply upside of 10.8%.

How to read these valuation models

Use the 6 available valuation references for Central Pacific Financial Corp (NYSE-CPF) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Central Pacific Financial Corp (NYSE-CPF)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

288.2 M

Current operating scale indicator.

Revenue Forecast

305.6 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Central Pacific Financial Corp (NYSE-CPF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Central Pacific Financial Corp (NYSE-CPF)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

118.0%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Central Pacific Financial Corp (NYSE-CPF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Central Pacific Financial Corp (NYSE-CPF)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

3.2%

Current income yield reference.

Payout Ratio

36.0%

Dividend payout reference.

How to read events and dividends

Review the currently available dividend data for Central Pacific Financial Corp (NYSE-CPF). No upcoming company event date is included in the latest data.

Stock Forecast • Technical Outlook

Central Pacific Financial Corp (NYSE-CPF) Stock Forecast & Technical Outlook

Review Central Pacific Financial Corp (NYSE-CPF) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Sell

The 15-minute technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Central Pacific Financial Corp (NYSE-CPF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Central Pacific Financial Corp (NYSE-CPF)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Central Pacific Financial Corp (NYSE-CPF) has a Hold consensus, with 1 buy, 3 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 3
Sell 0
FAQ • Fast Investor Answers

Central Pacific Financial Corp (NYSE-CPF) Stock FAQ

Data-supported answers about Central Pacific Financial Corp (NYSE-CPF), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$48.85
Estimated upside 29.6%
Valuation Rating
Undervalued
Estimated upside of 29.6%
Analyst Target
$41.75
Implied upside 10.8%
Financial Health
Good
Current financial-health read

The current fair value estimate for Central Pacific Financial Corp (NYSE-CPF) is $48.85. This implies an estimated upside of 29.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 29.6% versus the current market price.

The available analyst price target for Central Pacific Financial Corp (NYSE-CPF) is $41.75. The analyst target implies estimated upside of 10.8%.

The current financial health read for Central Pacific Financial Corp (NYSE-CPF) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 3.2%.

The current P/E ratio listed for Central Pacific Financial Corp (NYSE-CPF) is 11.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Central Pacific Financial Corp is 970.4 M.

The ticker symbol for Central Pacific Financial Corp is NYSE-CPF, and the stock is listed on NYSE.

Central Pacific Financial Corp (NYSE-CPF) is listed on NYSE.

The current debt-to-total-capital ratio listed for Central Pacific Financial Corp is 9.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Central Pacific Financial Corp is 88.9%. Free float helps investors understand how much of the share base is available for public trading.

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