CPF logo

CENTRAL PACIFIC FINANCIAL CO

CPFNYSE
πŸ† #2515 by market capUS Equity
$974.80β–² $37.72 (+3.87%)
Simulated price
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24hβ–² 3.9%
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🏦Market Cap
$949M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.4%
Slowing
πŸ“ŠGross Margin
76.0%
High
πŸ’΅FCF Margin
31.4%
Strong
βš–οΈP/S Ratio
3.0x
Fair
Otter Score
72
Fair
No chart data available for CPF.

Trading Snapshot

Day Range
$967.84 – $991.17
52-Week Range
$27.38 – $40.99
Volume
$2.53B
Avg Volume
$2.03B
Shares Outstanding
26.1M
Next Earnings
Nov 6, 2026

Fundamentals Snapshot

Annual Revenue
$362M
Last Q Revenue
$42M
P/E Ratio
11.6
P/S Ratio
3.0x
EPS (TTM)
$3.19
Dividend Yield
3.19%
Dilution (1yr)
βˆ’1.4%

Why Investors Own CPF

  • βœ“High-growth profile β€” revenue up +32.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 44% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CPF logo

CENTRAL PACIFIC FINANCIAL CO

CPF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$362Mβ–² +6.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
76.1%β–² +9.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$101Mβ–² +48.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$92Mβ–² +22.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
26.8Mβ–Ό βˆ’1.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$277Mβ–² +$84M YoY
StockOtter Β· stockotter.space

About CENTRAL PACIFIC FINANCIAL CO

Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$1,029.42
β–² +5.6% Upside
High Target$1,265.74
Low Target$834.44
Based on 21 analysts

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