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Company Analysis

Central Pacific Financial Corp CPF

A comprehensive view of key metrics, scores, and financial health for Central Pacific Financial Corp

Overview of Central Pacific Financial Corp.

CPF NYQ
Financial Services Banks - Regional Small Cap
Central Pacific Financial Corp. (CPF), is a Small Cap company, in the Banks - Regional industry, last closed at $30.62, about 25.9% overvalued vs fair value, +13.0% 1Y return, ranked 252/1004 in sector.
$30.62
-0.78%
As of March 13, 2026
Previous close • Vol 90d: 26.4%
52-Week Range
Market Cap
$820.83M
Enterprise Value
$860.27M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.cpb.bank
HQ Honolulu, HI
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$13
$23
$43
Current: $30.62 -26% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$305.6M
8.3%%
Interest Expense
$73.3M
Net Interest Income
$211.2M
0.8%%
Total Revenue
$362.3M
47.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.9%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$29.1M
54.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Central Pacific Financial Corp 's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
63
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CPF's balance between Growth (21.3%), Profitability (42.9%), and Safety (35.8%). Growth 21% Safety 36% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

28th percentile vs peers
29
Key Signals
Rev Growth YoY 47.2% 40p Revenue CAGR 3Y 11.7% 26p Asset Growth YoY -0.8% 15p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.8%)
  • Growth below peer median (percentile: 28)

Profitability

57th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Central Pacific Financial Corp .

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$22.69
- - -
-25.9% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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