Central Pacific Financial Corp (CPF) Fair Value & Analysis
Financial Services · US · Market cap $999M · ISIN US1547604090
What is Central Pacific Financial Corp really worth?
Central Pacific Financial Corp
CPF · US
A solid business, currently priced close to our fair value of $34.96.
Strengths
Risks
For context
Fair value as of: Aug 24, 2026
From 6 valuation models · updated 12 days ago
Share price −5.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 24, 2026.
How to read this chart
60‑month range $11.70 – $39.99 · fair‑value band $26.22 – $43.70 · the $37.81 price screens above the $34.96 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 24, 2026.
Analysis
Central Pacific Financial Corp (CPF) currently trades at $37.81, while our model-based Fair Value estimate is $34.96, implying the stock looks roughly 8.2% fairly valued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $31.78 per share, and 1 of the 6 models we run sit above the $37.81 price. Bear case: the Dividend Discount group reads lowest at $12.64, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Central Pacific Financial Corp generated revenue of $283M at a net margin of 28.4%. Revenue grew 9.2% year over year. It earns a return on equity of 14.0%. The balance sheet holds a net cash position of $277M. Fundamentals as of Aug 24, 2026
Our scenario range runs from $26.22 (bear case) to $43.70 (bull case); at $37.81, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 53% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −8%, CPF screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $1.28 per share, which is 3.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($31.78) versus Dividend Discount ($12.64). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 71
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States.
Full company description
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Central Pacific Financial Corp reported revenue of $362M in FY2025 versus $260M in FY2021, a compound +8.7%/yr. Reported net income was $77.5M in FY2025, compounding −0.8%/yr from FY2021.
of which total revenue +6.5 % · buybacks/dilution +2.6 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 35/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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