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    C

    Central Pacific Financial Corp (CPF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $36.10
    +0.69 (+1.95%)

    Market Cap: $911.72M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +9.47%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.85
    Range$0.82 - $0.88
    4 analysts
    EPS Revisions
    1
    0
    7d
    2
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.84+0.8%
    60d ago$0.84+0.8%
    30d ago$0.850.0%
    7d ago$0.850.0%
    Current$0.85
    Revenue Consensus
    $77M
    Range$77M - $78M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.90
    Range$0.85 - $0.96
    4 analysts
    Revenue Consensus
    $79M
    Range$77M - $81M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.90---
    Sep 26EST
    		-$0.85---
    Jun 26
    Reported Jul 24
    		$0.80$0.78+2.56%Beat+19.4%
    Mar 26
    Reported Apr 29
    		$0.78$0.74+5.41%Beat+20.0%
    Dec 25
    Reported Jan 28
    		$0.85$0.73+16.44%Beat+21.4%
    Sep 25
    Reported Oct 29
    		$0.73$0.74-1.35%Miss+49.0%
    Jun 25
    Reported Jul 25
    		$0.67$0.70-4.29%Miss+15.5%
    Mar 25
    Reported Apr 23
    		$0.65$0.63+3.17%Beat+35.4%
    Dec 24
    Reported Jan 29
    		$0.70$0.62+12.90%Beat+27.3%
    Sep 24
    Reported Oct 30
    		$0.49$0.56-12.50%Miss+0.0%
    Jun 24
    Reported Jul 31
    		$0.58$0.48+20.83%Beat+9.4%
    Mar 24
    Reported Apr 24
    		$0.48$0.45+6.67%Beat-20.0%
    Dec 23
    Reported Jan 31
    		$0.55$0.48+14.58%Beat-25.7%
    Sep 23
    Reported Oct 25
    		$0.49$0.52-5.77%Miss-19.7%
    Jun 23
    Reported Jul 26
    		$0.53$0.54-1.85%Miss-17.2%
    Mar 23
    Reported Apr 26
    		$0.60$0.55+9.09%Beat-14.3%
    Dec 22
    Reported Jan 25
    		$0.74$0.60+23.33%Beat-7.5%
    Sep 22
    Reported Oct 21
    		$0.61$0.60+1.67%Beat-17.6%
    Jun 22
    Reported Jul 27
    		$0.64$0.54+18.52%Beat-3.0%
    Mar 22
    Reported Apr 20
    		$0.70$0.56+25.00%Beat+9.4%
    Dec 21
    Reported Jan 26
    		$0.80$0.65+23.08%Beat+35.6%
    Sep 21
    Reported Oct 27
    		$0.74$0.58+27.59%Beat+208.3%
    Jun 21
    Reported Jul 28
    		$0.66$0.56+17.86%Beat+88.6%
    Mar 21
    Reported Apr 28
    		$0.64$0.49+30.61%Beat+120.7%
    Dec 20
    Reported Jan 27
    		$0.59$0.37+59.46%Beat+18.0%
    Sep 20
    Reported Oct 28
    		$0.24$0.30-20.00%Miss-52.9%
    Jun 20
    Reported Jul 29
    		$0.35$0.22+59.09%Beat-25.5%
    Mar 20
    Reported Apr 22
    		$0.29$0.29+0.00%Beat-47.3%
    Dec 19
    Reported Jan 29
    		$0.50$0.49+2.04%Beat-7.4%
    Sep 19
    Reported Oct 23
    		$0.51$0.50+2.00%Beat-1.9%
    Jun 19
    Reported Jul 24
    		$0.47$0.51-7.84%Miss-2.1%
    Mar 19
    Reported Apr 24
    		$0.55$0.50+10.00%Beat+14.6%
    Dec 18
    Reported Jan 30
    		$0.54$0.49+10.20%Beat+38.5%
    Sep 18
    Reported Oct 24
    		$0.52$0.47+10.64%Beat+40.5%
    Jun 18
    Reported Jul 25
    		$0.48$0.46+4.35%Beat+23.1%
    Mar 18
    Reported Apr 25
    		$0.48$0.46+4.35%Beat+14.3%
    Dec 17
    Reported Jan 24
    		$0.39$0.41-4.88%Miss-4.9%
    Sep 17
    Reported Oct 25
    		$0.37$0.41-9.76%Miss-
    Jun 17
    Reported Jul 26
    		$0.39$0.40-2.50%Miss-
    Mar 17
    Reported Apr 26
    		$0.42$0.39+7.69%Beat-
    Dec 16
    Reported Jan 25
    		$0.41$0.37+10.81%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.32%
    Forward Annual Dividend$1.20
    Payout Ratio36.34%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+1.58%
    5Y CAGR+3.45%
    CPF dividend history and ex-dividend datesRun CPF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.42EV/EBITDA8.19x
    Price/FCF9.51xFCF Yield10.52%
    Profitability
    Profit Margin28.80%Operating Margin36.80%
    ROE14.20%ROIC12.33%
    Financial Health
    Debt/Equity0.13xInterest Coverage1.58x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.85Avg Volume183.29K
    52-Week High$40.6652-Week Low$26.81

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.97
    SMA 20$36.27
    SMA 50$37.16
    SMA 200$34.76
    EMA 10$35.95
    EMA 20$36.27
    EMA 50$36.80
    EMA 200$34.89

    MACD

    Line: -0.43Signal: -0.43Hist: -0.00

    ADX

    ADX: 30.3+DI: 15.9-DI: 26.7

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down96.0
    PSAR$36.95

    Bollinger Bands

    Upper Band$37.36
    Lower Band$35.17
    %B Position602%(Upper)
    Band Width0.42

    RSI (14-Day)

    Neutral
    45.7

    Momentum Oscillators

    Stoch %K34.9
    Stoch %D29.6
    Williams %R-43.8
    ROC (10d)0.1%
    Momentum0.03
    CCI (20d)-46.3
    MFI (14d)28.3

    Volatility Measures

    ATR (14d)$0.77(2.1%)
    StdDev (20d)0.55
    Hist Vol17.3%(Low)

    Volume Flow

    VWAP$35.97
    OBV3.7M
    AD Line-61.0M
    CMF (20d)0.060

    Volume Metrics

    Avg Vol (20d)182.4K
    Vol Ratio1.0x
    VWMA (20d)$36.51

    Pivot Points

    R3$36.66
    R2$36.17
    R1$35.79
    Pivot Point$35.30
    S1$34.91
    S2$34.42
    S3$34.04

    Advanced Oscillators

    TSI-20.58
    Ultimate Osc50.1
    KST-38.20

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$77.45M$72.93M$76.29M$74.81M$72.81M$68.80M$58.40M$66.58M$64.04M$61.43M$66.31M$61.98M
    Cost of RevenueN/A$18.04M$16.79M$22.78M$23.31M$23.64M$22.96M$26.83M$26.11M$28.10M$27.57M$25.31M
    Gross ProfitN/A$69.51M$76.29M$69.41M$66.63M$63.47M$57.07M$62.55M$60.47M$56.38M$56.06M$55.66M
    Operating Expenses$46.18M$43.67M$45.68M$47.01M$43.95M$42.07M$44.18M$46.69M$41.15M$40.58M$42.52M$39.61M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$26.91M$30.61M$23.64M$23.88M$22.55M$13.40M$17.07M$20.65M$16.92M$19.14M$17.49M
    Interest Income$78.69M$77.10M$78.88M$79.96M$78.12M$77.21M$77.96M$77.90M$75.84M$74.40M$74.11M$72.41M
    Interest Expense$15.86M$15.74M$16.79M$18.66M$18.32M$19.51M$22.19M$24.05M$23.92M$24.21M$22.97M$20.48M
    Income Before Tax$26.89M$26.91M$28.21M$23.64M$23.88M$22.55M$13.40M$17.07M$20.65M$16.92M$19.14M$17.49M
    Income Tax Expense$6.07M$6.19M$5.34M$5.07M$5.61M$4.79M$2.06M$3.76M$4.83M$3.97M$4.27M$4.35M
    Net Income$20.82M$20.73M$22.88M$18.57M$18.27M$17.76M$11.35M$13.30M$15.82M$12.95M$14.87M$13.14M
    EBITDA$28.44M$28.58M$29.83M$25.27M$25.68M$24.16M$17.01M$19.42M$23.09M$19.40M$21.75M$20.28M
    EBIT$26.89M$26.91M$28.21M$23.64M$23.88M$22.55M$13.40M$17.07M$20.65M$16.92M$19.14M$17.49M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Hovde starts coverage with USD 38.00 target for Central Pacific Financial stock

    Hovde Group initiated coverage of Central Pacific Financial (CPF) with a Market Perform rating and a USD 38.00 price target. This target is set 5.94% above the NYSE quote...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Hovde starts coverage with USD 38.00 target for Central Pacific Financial stock

    Hovde Group initiated coverage on Central Pacific Financial (CPF) with a "Market Perform" rating and a $38.00 price target...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Precision Trading with Central Pacific Financial Corp New (CPF) Risk Zones

    This article provides a detailed AI-driven analysis for Central Pacific Financial Corp New (CPF), highlighting weak near and mid-term sentiment but a strong long-term outlook. It presents three distinct trading...

    Stock Traders Daily•10/11/26•Somewhat-Bearish

    Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results

    Central Pacific Financial Corp. (NYSE: CPF) will release its third quarter 2026 financial results on October 28, 2026...

    Business Wire•10/8/26•Neutral

    Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results

    Central Pacific Financial Corp. (CPF) will release its third-quarter 2026 financial results on October 28, 2026...

    Yahoo Finance•10/8/26•Neutral

    CPF Valuation and Fair Value

    P/E
    11.4x
    Forward P/E
    9.4x
    EV/EBITDA
    8.2x
    P/FCF
    9.5x
    PEG
    2.0x
    P/B
    1.6x
    See GNG's fair value

    CPF Profitability: Margins, ROIC and FCF

    Operating margin
    36.8%
    Net margin
    28.8%
    ROIC
    12.3%
    ROE
    14.2%
    FCF margin
    32.7%
    FCF yield
    10.5%

    CPF Competitors

    CompanyTicker
    Selective Insurance Group, Inc.SIGIP
    Mid Penn BancorpMPB
    TrustCo Bank Corp NYTRST
    First Community Bancshares IncFCBC
    Camden National CorporationCAC
    Hippo Holdings IncHIPO
    NB Bancorp, Inc. Common StockNBBK
    Hanmi Financial CorporationHAFC

    Sector: Financial Services

    CPF Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    1
    Buy
    1
    Hold
    2
    Sell
    0
    Strong Sell
    0

    CPF Bull Case vs Bear Case

    Bull case

    • CPF converts 32.7% of revenue into free cash flow.
    • CPF has a 28.8% net profit margin.

    CPF Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    2.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.85
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 1 down

    CPF Dividend

    Forward yield
    3.3%
    Payout ratio
    36.3%
    3Y DPS growth
    1.6%
    5Y DPS growth
    3.4%
    Pay months
    Mar, Jun, Sep, Dec
    CPF dividend history

    Frequently Asked Questions About CPF

    What is CPF's current dividend yield?

    Central Pacific Financial Corp (CPF) has a forward dividend yield of 3.32%.

    Does CPF pay dividends?

    Yes, Central Pacific Financial Corp pays dividends with a forward dividend yield of 3.32%.

    What is CPF's P/E ratio?

    Central Pacific Financial Corp has a price-to-earnings (P/E) ratio of 11.42.

    What is CPF's market cap?

    Central Pacific Financial Corp (CPF) has a market capitalization of $911.72M with a current stock price of $36.10.

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