Central Pacific Financial Corp. (CPF) Stock

Central Pacific Financial Corp. (CPF) is a Financials stock trading at $37.34 (as of 2026-08-21), with a market capitalization of $961.28M and a trailing P/E of 12.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Central Pacific Financial Corp. is the holding company for Central Pacific Bank, which provides commercial banking services in the United States. It offers deposit accounts, lending such as commercial and residential mortgages and consumer loans, and related services including digital and cash-management banking, ATMs, international services, trust and brokerage, and wealth management products.

Understand Central Pacific Financial Corp.: how it makes money

Central Pacific Financial Corp. (CPF) operates a commercial bank, taking deposits and making loans to businesses, professionals, and individuals, earning money primarily from lending and deposit-based banking activities.

For CPF, the profit engine is balancing loan performance (Allowance for Credit Losses as a Percentage of Outstanding Loans, Net Loan Charge-Offs as a Percentage of Average Loans) with funding strength (Loan-to-Deposit Ratio and the size of core and relationship deposits).

Business quality (Solid): You get several investor-relevant operating indicators for credit and funding (credit loss allowance, charge-offs, loan-to-deposit ratio, core and relationship deposits). The financial section shows revenue as 0.0B for the latest period, so reported margin figures should be treated cautiously without additional context.

Valuation: At 12× earnings, CPF trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit losses look contained in the latest quarter: Past Due Loans (Ninety Days Plus) are 0.0B, and Net Loan Charge-Offs as a Percentage of Average Loans is 0.28 percent.
  • Funding base appears relatively solid: Relationship Deposits are 6.8B and Core Deposits are 6.13B, alongside a Loan-to-Deposit Ratio of 81.0 percent.

Bear case

  • Credit risk is not zero: The Allowance for Credit Losses as a Percentage of Outstanding Loans is 1.13 percent, and Classified Assets are 0.04B.
  • Portfolio dynamics can pressure future earning power: Loan Portfolio Runoff is 0.23B, which can reduce earning assets if not replaced by new production.
Valuation — source: SEC EDGAR (first-party)
Price$37.34
Market Cap$961.28M
P/E Ratio12.3
EV / EBITDA5.8
Price / Book1.61
Price / Sales18.24
FCF Yield19.1%
DCF Value (model)$58.72
DCF Upside vs Price57.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$51.82M
Net Margin149.5%
Revenue Growth (YoY)33.8%
EPS Growth (YoY)46.2%
FCF Growth (YoY)22.4%
Valuation vs Sector & Industry
Stock P/E12.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-18.8%
vs Industry-5.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($124.26M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOArnold D. Martines
Employees697
CountryUS
IPO Date1987-08-28

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CPF earnings history · CPF institutional & insider holders · CPF KPIs & operating metrics · CPF financials · CPF investor presentations & press releases · CPF SEC filings · CPF peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.