CPF
CENTRAL PACIFIC FINANCIAL CORP
Next earnings Jul 23, 2026 · consensus $0.79 EPS, $63.6M rev
Last earnings -1.2% on 2026-04-29
$37.85
▲ 0.00%$37.85▲ +45.71%
over 1Y
L $25.25EODHDH $37.85
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.0%
1W+4.3%
1M+9.6%
3M+21.0%
YTD+23.9%
1Y+45.7%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 7 analysts
Buy
Hawaii community bank trading at 13x earnings with 13.6% ROE, strong credit quality, and a deleveraged balance sheet — modestly attractive.
Diluted EPS $2.86 · FY2025
The read
Quality fundamentals and an attractive price line up (~187% below fair value) — the rarer case where both the business and the entry look good.
Central Pacific is a Hawaii-focused bank holding company whose 2025 results show a clear earnings recovery: net income jumped to $77.5M ($2.86 diluted EPS) from $53.4M ($1.97) in 2024, a +45% rebound. Management attributes the bulk of the improvement to the absence of 2024's $9.9M investment-portfolio Repositioning Loss and $3.1M Strategic Expense; on an adjusted basis 2025 EPS of $2.91 vs. 2024 adjusted $2.34 still implies ~24% normalized growth. ROA of 1.06% and ROE of 13.62% (1.07%/13.81% adjusted) place CPF squarely in the respectable-regional-bank tier, and asset quality is excellent — nonperforming assets are only 0.19% of total assets ($14.4M on a $7.41B base).
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $43.1M | $47.9M | $46.7M | $38.7M | $51.8M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| Diluted EPS | $2.83 | $2.68 | $2.17 | $1.97 | $2.86 |
| Net margin | 185.5% | 154.3% | 125.7% | 137.9% | 149.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF10.8
PEG (trailing)0.29
Earnings yield7.8%
FCF yield9.3%
Quality & risk
ROIC (est.)—
Free cash flow$92.3M
Total debt$76.5M
Net cash$302M
Piotroski F-Score7/7
Capital returns
Buyback yield—
Dividend yield (est.)3.0%
Shareholder yield3.0%
Shares Δ YoY-2.9%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Shareholder vote2026-05-04
Annual meeting voting results disclosed; routine governance matters approved.
- 8-K Earnings results2026-04-29
Q1 2026 results filed; continues post-FY25 earnings momentum and strong asset quality.
- 10-Q Quarterly report2026-04-29
Q1 2026 results filed; continues post-FY25 earnings momentum and strong asset quality.
- DEF 14A Proxy statement2026-03-06
Proxy: routine director elections, say-on-pay, auditor ratification.
- 10-K Annual report2026-02-27
FY25 NI $77.5M (+45%), ROE 13.6%, NPAs only 0.19%; clean audit opinion.
- 8-K Earnings results2026-01-28
Q4/FY2025 earnings release: NI $77.5M, EPS $2.86, up ~45% YoY.
- 8-K Reg FD disclosure2025-12-16
Reg FD investor materials furnished; no material financial change disclosed.
- 8-K Officer / director change2025-11-07
Executive/director change disclosed under Item 5.02 leadership update.
- 8-K Earnings results2025-10-29
Q3 2025: ops center consolidation charge $1.5M pre-tax; core deposits grew.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗8-KPeriod ending 2026-04-302026-05-04open ↗SCHEDULE 13GFiling2026-04-29open ↗
Frequently asked
- Is CENTRAL PACIFIC FINANCIAL CORP (CPF) a buy?
- CPF currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Hawaii community bank trading at 13x earnings with 13.6% ROE, strong credit quality, and a deleveraged balance sheet — modestly attractive.
- What is CPF's fair value?
- A Modified-Graham model based on CPF's SEC fundamentals estimates a fair value of about $108.68. It is an estimate from reported earnings, not a price target.
- Is CPF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CPF currently appears undervalued relative to its SEC-grounded earnings power.
- What is CENTRAL PACIFIC FINANCIAL CORP's quality score?
- CPF scores 78.91176470588235/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000701347, latest 10-Q filed 2026-04-29) · EODHD · analysis by claude-code · as of 6/25/2026, 2:29:01 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.