Stock Scorecard
Stock Summary for Central Pacific Financial Corp (CPF) - $31.84 as of 1/30/2026 1:02:34 PM EST
Total Score
20 out of 30
Safety Score
60 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for CPF
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CPF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CPF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CPF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CPF (60 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CPF
Financial Details for CPF
Company Overview |
|
|---|---|
| Ticker | CPF |
| Company Name | Central Pacific Financial Corp |
| Country | USA |
| Description | Central Pacific Financial Corp. (CPF) is a prominent banking institution based in Honolulu, Hawaii, dedicated to delivering a comprehensive array of financial services to both individuals and businesses across the state. The company specializes in personalized banking solutions, encompassing personal and commercial loans, investment services, and a variety of savings products tailored specifically to Hawaii's market. Leveraging its in-depth understanding of local economic conditions, Central Pacific Financial is positioned to capitalize on growth opportunities while striving to enhance shareholder value through sustainable practices and robust community engagement. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/21/2026 |
Stock Price History |
|
| Last Day Price | 31.84 |
| Price 4 Years Ago | 17.62 |
| Last Day Price Updated | 1/30/2026 1:02:34 PM EST |
| Last Day Volume | 278,037 |
| Average Daily Volume | 162,064 |
| 52-Week High | 34.67 |
| 52-Week Low | 22.52 |
| Last Price to 52 Week Low | 41.39% |
Valuation Measures |
|
| Trailing PE | 11.13 |
| Industry PE | 20.70 |
| Sector PE | 26.78 |
| 5-Year Average PE | 10.16 |
| Free Cash Flow Ratio | 8.29 |
| Industry Free Cash Flow Ratio | 9.97 |
| Sector Free Cash Flow Ratio | 48.26 |
| Current Ratio Most Recent Quarter | 33.73 |
| Total Cash Per Share | 3.84 |
| Book Value Per Share Most Recent Quarter | 22.20 |
| Price to Book Ratio | 1.42 |
| Industry Price to Book Ratio | 1.18 |
| Sector Price to Book Ratio | 2.13 |
| Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.38 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.62 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 26,375,000 |
| Market Capitalization | 839,780,000 |
| Institutional Ownership | 95.16% |
Dividends |
|
| Ex-Dividend Date | 2/27/2026 |
| Previous Dividend Amount | 0.2700 |
| Current Dividend Amount | 0.2800 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.09 |
| Trailing Annual Dividend Yield | 3.44% |
| Forward Annual Dividend Rate | 1.12 |
| Forward Annual Dividend Yield | 3.54% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 4.32% |
| 5-Year Average Dividend Yield | 4.59% |
| 1-Year Dividend Growth Rate Percentage | 4.81% |
| 3-Year Dividend Growth Rate Percentage | 2.38% |
| 5-Year Dividend Growth Rate Percentage | 3.23% |
| All-Time Dividend Growth Rate Percentage | -1.49% |
| Dividend Payout Ratio | 44.86% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 102.80% |
| Annual Earnings Growth | 45.06% |
| Reported EPS 12 Trailing Months | 2.86 |
| Reported EPS Past Year | 2.05 |
| Reported EPS Prior Year | 2.25 |
| Net Income Twelve Trailing Months | 77,480,000 |
| Net Income Past Year | 77,480,000 |
| Net Income Prior Year | 53,412,000 |
| Quarterly Revenue Growth YOY | 28.30% |
| 5-Year Revenue Growth | 4.05% |
| Operating Margin Twelve Trailing Months | 38.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 102,859,000 |
| Total Cash Past Year | 380,941,000 |
| Total Cash Prior Year | 522,437,000 |
| Net Cash Position Most Recent Quarter | -28,668,000 |
| Net Cash Position Past Year | 224,596,000 |
| Long Term Debt Past Year | 156,345,000 |
| Long Term Debt Prior Year | 156,102,000 |
| Total Debt Most Recent Quarter | 131,527,000 |
| Equity to Debt Ratio Past Year | 0.77 |
| Equity to Debt Ratio Most Recent Quarter | 0.82 |
| Total Stockholder Equity Past Year | 538,385,000 |
| Total Stockholder Equity Prior Year | 503,815,000 |
| Total Stockholder Equity Most Recent Quarter | 588,066,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 97,981,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.71 |
| Free Cash Flow Past Year | 75,427,000 |
| Free Cash Flow Prior Year | 92,462,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.22 |
| MACD Signal | 0.20 |
| 20-Day Bollinger Lower Band | 27.53 |
| 20-Day Bollinger Middle Band | 30.40 |
| 20-Day Bollinger Upper Band | 33.26 |
| Beta | 0.94 |
| RSI | 51.04 |
| 50-Day SMA | 28.24 |
| 150-Day SMA | 22.56 |
| 200-Day SMA | 21.72 |
System |
|
| Modified | 1/30/2026 8:31:19 PM EST |