Central Pacific Financial Corp. (CPF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Central Pacific Financial Corp. (CPF) trades at $38.57 with AI Score 96/100 (Grade A+). Central Pacific Financial Corp. (CPF) is a regional bank headquartered in Honolulu, Hawaii, offering a wide range of commercial banking products and services. Market cap: $1.01B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for CPF: CPF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CPF against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
CPF: 5/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Central Pacific Financial Corp. (CPF) Financial Services Profile
Central Pacific Financial Corp. is a regional banking institution that provides diverse financial services, including commercial loans and wealth management, primarily in Hawaii, with a strong focus on customer service and community engagement.
What Is the Investment Thesis for CPF?
Central Pacific Financial Corp. demonstrates a robust financial profile with a market capitalization of $1.01B and a P/E ratio of 11.0, reflecting its solid profitability with a profit margin of 22.2%. The company is well-positioned to capitalize on the growing demand for banking services in Hawaii, supported by its extensive branch network and diverse product offerings. Key growth catalysts include the expansion of digital banking services and the potential for increased lending activity as the local economy recovers. Additionally, CPF's strong dividend yield of 3.19% provides an attractive return to shareholders. However, potential risks include economic fluctuations that may impact loan performance and competition from larger banks in the region.
Based on FMP financials and quantitative analysis
CPF Key Highlights
- Market capitalization of $1.01B indicates a solid presence in the regional banking sector.
- P/E ratio of 11.0 suggests attractive valuation compared to industry peers.
- Profit margin of 22.2% highlights strong operational efficiency.
- Gross margin of 77.7% indicates effective cost management and service pricing.
- Dividend yield of 3.19% provides consistent income to shareholders.
Who Are CPF's Competitors?
CPF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PACW PacWest Bancorp | $7.54 | -2.71% | $904.52M | — |
| CUBI Customers Bancorp, Inc. | $78.08 | +0.48% | $2.64B | 67 |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CPF's Key Strengths?
- Strong profitability with a profit margin of 22.2%.
- Established reputation and brand loyalty in Hawaii.
- Diverse product offerings catering to various customer segments.
- Robust digital banking capabilities enhancing customer experience.
What Are CPF's Weaknesses?
- Limited geographic presence outside of Hawaii.
- Dependence on the local economy for loan performance.
- Smaller scale compared to national banking competitors.
- Potential vulnerability to economic downturns affecting consumer spending.
What Could Drive CPF Stock Higher?
- Expansion of digital banking services expected to launch in Q3 2026, enhancing customer experience.
- Increased lending activity as the local economy shows signs of recovery, potentially boosting loan volumes.
- Introduction of new wealth management products aimed at attracting high-net-worth individuals in 2026.
- Community engagement initiatives to strengthen brand loyalty and attract new customers.
- Regulatory changes anticipated in 2026 that may provide opportunities for enhanced service offerings.
What Are the Key Risks for CPF?
- Financial-distress signal — its Altman Z-Score of -0.71 sits in the distress zone (elevated bankruptcy risk).
- Economic fluctuations could adversely affect loan performance and default rates.
- Intense competition from larger banks and fintech companies may pressure margins.
- Changes in regulatory policies could impact operational flexibility and profitability.
- Cybersecurity threats to digital banking platforms may pose risks to customer trust and operational integrity.
What Are the Growth Opportunities for CPF?
- Expansion of Digital Banking Services: Central Pacific Financial Corp. is investing in enhancing its digital banking platform to meet the growing demand for online services. The digital banking market is expected to reach $1.5 trillion by 2027, providing CPF with significant growth potential as it attracts tech-savvy customers looking for convenient banking solutions.
- Increased Lending Activity: As the economy recovers, CPF anticipates a rise in demand for commercial and residential loans. The U.S. lending market is projected to grow at a CAGR of 5% over the next five years, positioning CPF to capitalize on this trend through its diverse lending products tailored for small and medium-sized enterprises.
- Wealth Management Services Growth: CPF's wealth management division is poised for growth as more individuals seek comprehensive financial planning and investment services. The global wealth management market is expected to reach $5 trillion by 2025, and CPF's established presence in Hawaii allows it to capture a share of this expanding market.
- Community Engagement Initiatives: CPF's commitment to community involvement and local partnerships can drive customer loyalty and attract new clients. As consumers increasingly prefer to support businesses that contribute to their communities, CPF's initiatives can enhance its brand reputation and market share.
- Diversification of Financial Products: By expanding its product offerings, including non-deposit investment products and insurance services, CPF can enhance its revenue streams. The insurance market is projected to grow at a CAGR of 6% over the next five years, providing CPF with opportunities to diversify and strengthen its financial position.
What Opportunities Does CPF Have?
- Expansion of digital banking services to attract younger customers.
- Growth in the wealth management sector as consumer interest increases.
- Potential for increased lending activity as the economy recovers.
- Community engagement initiatives to strengthen brand loyalty.
What Threats Does CPF Face?
- Intense competition from larger national banks and fintech companies.
- Economic fluctuations impacting loan demand and performance.
- Regulatory changes affecting banking operations and profitability.
- Potential cybersecurity threats to digital banking platforms.
What Are CPF's Competitive Advantages?
- Strong community ties and customer relationships foster loyalty.
- Established brand presence in Hawaii with a long history of service.
- Diverse product offerings tailored to meet the needs of local customers.
- Robust digital banking platform enhancing customer convenience.
- Focused customer service approach differentiating CPF from larger banks.
What Does CPF Do?
Central Pacific Financial Corp. was founded in 1954 and serves as the holding company for Central Pacific Bank, which is headquartered in Honolulu, Hawaii. The bank has evolved over the decades to provide a comprehensive suite of commercial banking products and services tailored to meet the needs of businesses, professionals, and individuals. CPF offers a variety of deposit products, including personal and business checking accounts, savings accounts, money market accounts, and time certificates of deposit. Its lending portfolio includes commercial loans, agricultural loans, residential mortgages, and construction loans, catering to small and medium-sized enterprises, business professionals, and real estate developers. Additionally, CPF provides consumer loans, home equity loans, and a range of digital banking services, such as internet and mobile banking, cash management, and full-service ATMs. As of December 31, 2021, the bank operated 30 branches and 69 ATMs across Hawaii. The company also emphasizes wealth management, offering non-deposit investment products, annuities, insurance, and investment management services. CPF has positioned itself as a community-focused bank, emphasizing strong customer relationships and local engagement, which has contributed to its reputation and growth in the regional banking sector.
What Products and Services Does CPF Offer?
- Provide a variety of deposit products including checking and savings accounts.
- Offer commercial and residential loans to businesses and individuals.
- Deliver digital banking services such as mobile banking and cash management.
- Facilitate wealth management services including investment management and financial planning.
- Operate a network of branches and ATMs across Hawaii.
- Engage in community-focused initiatives to strengthen local relationships.
How Does CPF Make Money?
- Generate revenue through interest income from loans and mortgages.
- Collect fees from various banking services and wealth management products.
- Attract deposits from customers to fund lending activities.
- Offer investment products and services that yield management fees.
- Leverage digital banking platforms to enhance customer engagement and retention.
What Industry Does CPF Operate In?
The regional banking industry is experiencing a shift towards digital transformation, with increasing demand for online and mobile banking services. Central Pacific Financial Corp. operates within a competitive landscape that includes both local and national banks. The regional banking sector is expected to grow as economic conditions improve, with a focus on customer service and community engagement becoming critical differentiators. The overall market for regional banks is projected to expand, driven by rising consumer confidence and increased lending activity.
Who Are CPF's Key Customers?
- Small and medium-sized businesses seeking commercial banking services.
- Individuals looking for personal banking products and wealth management.
- Real estate investors and developers requiring specialized loans.
- Agricultural professionals needing financial support for operations.
- Local residents utilizing digital banking services and ATMs.
Central Pacific Financial Corp. (CPF) Valuation Context
Valued at $1.01B, CPF is classified as a small-cap stock. Relative to its peer group, CPF's quantitative score of 96/100 is above the peer average of 72/100.
CPF Revenue & Earnings Trend
In Q1 2026, CPF generated $87.5M in top-line revenue, marking a sequential decrease of 5.9%. The company recorded net income of $20.7M, with diluted EPS of $0.78. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, CPF averaged $0.75 in diluted EPS.
Company Profile
Central Pacific Financial Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Honolulu, US. The company is led by CEO Arnold D. Martines. CPF has traded publicly since 1987.
ROE 14%Key Financial Metrics
Return on equity for Central Pacific Financial Corp. stands at 13.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. CPF trades at a trailing price-to-earnings ratio of 11.04, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 9/9Financial Health
Central Pacific Financial Corp.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.71 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Central Pacific Financial Corp. revenue of about $304.5M for fiscal 2026, with EPS near $3.27.
CPF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profitability with a profit margin of 22.2%.
- Established reputation and brand loyalty in Hawaii.
- Diverse product offerings catering to various customer segments.
- Robust digital banking capabilities enhancing customer experience.
Bear Case
- Limited geographic presence outside of Hawaii.
- Dependence on the local economy for loan performance.
- Smaller scale compared to national banking competitors.
- Potential vulnerability to economic downturns affecting consumer spending.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $88M | $21M | $0.78 |
| Q4 2025 | $93M | $23M | $0.85 |
| Q3 2025 | $92M | $19M | $0.69 |
| Q2 2025 | $90M | $18M | $0.68 |
Based on FMP financials and quantitative analysis
CPF Latest News
No recent news available for CPF.
CPF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CPF.
Price Targets
Wall Street price target analysis for CPF.
CPF MoonshotScore
What does this score mean?
The MoonshotScore rates CPF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Arnold D. Martines
CEO
Arnold D. Martines has extensive experience in the banking industry, having held various leadership positions throughout his career. He graduated with a degree in Finance and has over 25 years of experience in commercial banking. Martines has been instrumental in driving Central Pacific Financial Corp.'s strategic initiatives and enhancing its market position in Hawaii.
Track Record: Under Arnold's leadership, CPF has achieved significant growth in its digital banking services and expanded its lending portfolio. He has focused on community engagement and strengthening customer relationships, contributing to the bank's solid financial performance.
Central Pacific Financial Corp. Financial Services Stock: Key Questions Answered
What does Central Pacific Financial Corp. do?
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank, providing a range of commercial banking products and services, including deposit accounts, loans, and wealth management services. The bank primarily serves businesses, professionals, and individuals in Hawaii, with a focus on community engagement and customer service.
What do analysts say about CPF stock?
Analysts generally view Central Pacific Financial Corp. as a stable regional bank with solid financial metrics, including a profit margin of 22.2% and a P/E ratio of 11.0. While growth prospects are tied to regional economic conditions, CPF's strong dividend yield of 3.19% and commitment to digital banking are seen as positive factors for future performance.
What are the main risks for CPF?
Central Pacific Financial Corp. faces several risks, including potential economic downturns that could impact loan performance and increase default rates. Additionally, competition from larger banks and fintech companies may pressure profit margins, while regulatory changes could affect operational flexibility. Cybersecurity threats also pose risks to the integrity of its digital banking services.
What are the key factors to evaluate for CPF?
Central Pacific Financial Corp. (CPF) holds an AI score of 96/100 (high). P/E: 11.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CPF data refresh on this page?
CPF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CPF's recent stock price performance?
Central Pacific Financial Corp. (CPF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability with a profit margin of 22.2%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CPF overvalued or undervalued right now?
Central Pacific Financial Corp. (CPF) trades at 11.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CPF?
Before investing in Central Pacific Financial Corp. (CPF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information as of 2021 and may be subject to change.