Central Pacific Financial/$CPF
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Capital at risk
About Central Pacific Financial
Central Pacific Financial Corp operates in the financial services sector in the United States. It is a full-service commercial bank offering a broad range of banking products and services, including accepting time and demand deposits and originating loans. Bank's deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. The bank is not a member of the Federal Reserve System. The company's loans include commercial loans, construction loans, commercial and residential mortgage loans, and consumer loans. The company derives income from interest and fees on loans, interest on investment securities, and fees received in connection with deposits and other services. It operates in single segment which is Banking operations.
- Ticker
- $CPF
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 743
- Headquarters
- Honolulu, United States
- Website
- www.cpb.bank
CPF Metrics
BasicAdvanced
$967M
12.07
$3.11
0.84
$1.16
3.20%
Price and volume
Market cap
$967M
Beta
0.84
52-week high
$40.99
52-week low
$27.38
Average daily volume
150K
Dividend rate
$1.16
Financial strength
Dividend payout ratio (TTM)
36.01%
Profitability
Net profit margin (TTM)
28.80%
Operating margin (TTM)
37.19%
Effective tax rate (TTM)
21.45%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.12%
Return on equity (TTM)
14.25%
Valuation
Price to earnings (TTM)
12.074
Price to revenue (TTM)
3.45
Price to book
1.62
Price to tangible book (TTM)
1.62
Price to free cash flow (TTM)
10.155
Free cash flow yield (TTM)
9.85%
Free cash flow per share (TTM)
3.698
Dividend yield (TTM)
3.09%
Forward dividend yield
3.20%
Growth
Revenue change (TTM)
13.58%
Earnings per share change (TTM)
38.86%
3-year revenue growth (CAGR)
4.28%
3-year earnings per share growth (CAGR)
7.82%
10-year earnings per share growth (CAGR)
7.85%
3-year dividend per share growth (CAGR)
2.81%
10-year dividend per share growth (CAGR)
7.66%
Bulls say / Bears say
Q2 net income rose 19% year on year to $20.8m, while net interest income rose 5.1% and net interest margin reached 3.57%, up 13 basis points year on year. Deposit costs fell to 0.90%, so earnings are benefiting from better asset yields without a funding-cost squeeze. (Central Pacific Financial)
CPF expects stronger second-half loan growth after originating nearly $70m of construction loans in Q2, with several closings moving into Q3 and a solid commercial pipeline. Core deposits exceed 90% of total deposits and the 79% loan-to-deposit ratio leaves capacity to fund expansion. (Exa, Longbridge)
Strong capital supports shareholder returns: CPF reported a 12.7% CET1 ratio and 14.8% total risk-based capital ratio, repurchased $11.3m of shares in Q2 and raised its quarterly dividend by 3.4% to $0.30. This gives investors both balance-sheet resilience and a tangible income and buyback case. (Central Pacific Financial)
Loans were broadly flat at $5.31bn in Q2, and management says growth depends on lumpy closings, construction fundings and efforts to slow Hawaii retail-loan runoff. That makes the low-single-digit full-year loan-growth outlook execution-sensitive rather than established. (Central Pacific Financial, Exa)
Credit indicators worsened modestly: non-performing assets rose to $16.5m, or 0.22% of assets, criticised loans reached 2.34% of loans and provision expense rose to $4.4m from $2.4m. Management says the weakness is concentrated in a few well-collateralised Hawaii credits, but further deterioration would pressure earnings. (Last10K, Exa)
More than 80% of the loan portfolio is in Hawaii, while recent growth is concentrated in commercial real estate and construction. This leaves CPF unusually exposed to local tourism, property values, construction conditions and natural disasters rather than a diversified national lending cycle. (Exa, Central Pacific Financial)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
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CPF News
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Funds containing CPF
AllEURGBPUSD
Fund name | Fund size | $CPF weighting |
|---|---|---|
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.06% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.06% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.04% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.04% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.04% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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