CPF Financial Services

Central Pacific Financial Corp.

$38.47-1.28%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 978.8M USD
Full-time employees: 722

Overall health

About average: profitability and valuation

Ranks #213 of 791 banks & insurance companies (top 27%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 37% in the 12 months to June 2026 vs the 12 months before, faster than 90% of peers.
Revenue grew 37% in the 12 months to June 2026 vs the 12 months before, faster than 90% of its peers.

StockQuotient Score

61/ 100

Oct 5 63 → Nov 4 61 (-2)

Valuation

Is the price right?

45/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Held back by:

▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield61.8%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.62Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.6%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.28Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.1%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

79/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.1%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth43.3%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 1.54Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-0.3%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth36.6%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

59/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Helped by:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.11Sector median: 0.0117 · MAD: 0.0062

Return on equity13.9%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.82Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Central Pacific Financial

Is Central Pacific Financial getting weaker?: Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 61/100 since Oct 28, 2026.
How is Central Pacific Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 45/100 against 950 banks & insurance peers. Book yield 61.8% vs a peer median of 79.5% (weaker than 68% of peers).Book yield 61.8% vs peers 79.5% (weaker than 68% of peers).
Is Central Pacific Financial growing?: Yes, faster than most of its peers. Growth scores 79/100 against 950 banks & insurance peers. Earnings per share growth 43.3% vs a peer median of 16.0% (stronger than 79% of peers).Earnings per share growth 43.3% vs peers 16.0% (stronger than 79% of peers).
How profitable is Central Pacific Financial?: About as profitable as its peers. Profitability scores 59/100 against 950 banks & insurance peers. Return on equity 13.9% vs a peer median of 10.7% (stronger than 70% of peers).Return on equity 13.9% vs peers 10.7% (stronger than 70% of peers).
How risky is Central Pacific Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	52.3M USD	53.9M USD	+3.1%
Net income (12 months)	80.4M USD	83.0M USD	+3.2%
Free cash flow (12 months)	90.0M USD	97.9M USD	+8.8%
Debt	76.5M USD	76.5M USD	0.0%
Cash	406.6M USD	383.3M USD	−5.7%
Shares outstanding	26.1M	25.7M	−1.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	185.5%	154.3%	125.7%	137.9%	149.5%	▲ 12 pts
Return on assets (ROA)	1.1%	1.0%	0.8%	0.7%	1.0%	▲ 0.3 pts
Return on equity (ROE)	14.3%	16.3%	11.6%	9.9%	13.1%	▲ 3.2 pts
Debt to equity	0.19×	0.24×	0.31×	0.29×	0.13×	▼ 56%

CPF price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

About average: profitability and valuation

Ranks #213 of 791 banks & insurance companies (top 27%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Central Pacific Financial

Is Central Pacific Financial getting weaker?

Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 61/100 since Oct 28, 2026.

How is Central Pacific Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 45/100 against 950 banks & insurance peers. Book yield 61.8% vs a peer median of 79.5% (weaker than 68% of peers).Book yield 61.8% vs peers 79.5% (weaker than 68% of peers).

Is Central Pacific Financial growing?

Yes, faster than most of its peers. Growth scores 79/100 against 950 banks & insurance peers. Earnings per share growth 43.3% vs a peer median of 16.0% (stronger than 79% of peers).Earnings per share growth 43.3% vs peers 16.0% (stronger than 79% of peers).

How profitable is Central Pacific Financial?

About as profitable as its peers. Profitability scores 59/100 against 950 banks & insurance peers. Return on equity 13.9% vs a peer median of 10.7% (stronger than 70% of peers).Return on equity 13.9% vs peers 10.7% (stronger than 70% of peers).

How risky is Central Pacific Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

52.3M USD

53.9M USD

+3.1%

Net income (12 months)

80.4M USD

83.0M USD

+3.2%

Free cash flow (12 months)

90.0M USD

97.9M USD

+8.8%

Debt

76.5M USD

76.5M USD

0.0%

Cash

406.6M USD

383.3M USD

−5.7%

Shares outstanding

26.1M

25.7M

−1.4%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

185.5%

154.3%

125.7%

137.9%

149.5%

▲ 12 pts

Return on assets (ROA)

1.1%

1.0%

0.8%

0.7%

1.0%

▲ 0.3 pts

Return on equity (ROE)

14.3%

16.3%

11.6%

9.9%

13.1%

▲ 3.2 pts

Debt to equity

0.19×

0.24×

0.31×

0.29×

0.13×

▼ 56%