Is Central Pacific Financial (CPF) overvalued or fairly valued?

MarketChacha shows Central Pacific Financial's valuation in context — a trailing P/E of about 12.9, a forward P/E of about 10.7, a price-to-book of about 1.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Central Pacific Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.55×) from reported figures — education, not a rating.

What is Central Pacific Financial's revenue?

Central Pacific Financial reported revenue of $51.8M for FY2025, with net profit of $77.5M, per official filings.

What is the share price of Central Pacific Financial (CPF)?

Central Pacific Financial last traded at $37.96 (-1.1% on the day), as of 8/18/2026 — a delayed quote shown for education, not investment advice.

Central Pacific Financial

CPF · NYSE · Financials · United States

Snapshot

TickerCPF

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees722

HeadquartersHonolulu, United States

Websitewww.cpb.bank

Filings tracked16

About Central Pacific Financial

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.

Who owns it

Insiders1.9%
Institutions97.3%
Public & other0.8%

312 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.95%
Holdco Asset Management, LP9.43%
State Street Corporation5.03%
Dimensional Fund Advisors LP4.79%
Vanguard Capital Management LLC4.34%
American Century Companies Inc3.82%
Charles Schwab Investment Management, Inc.3.60%
Vanguard Portfolio Management LLC3.06%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.55×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend125.7% → 149.5%

Margin has expanded by about 23.8 points — the business is getting more profitable.

Growth qualityrev 5% · PAT 15%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $77.7M · EPS 0.84

Est. earnings growth -0.9%

Next fiscal year

Rev $316.3M · EPS 3.58

Est. earnings growth +9.2%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$51.8M

Net margin

149.5%

ROE

13.1%

Revenue CAGR (2y)

+5.4%

Profit CAGR (2y)

+14.9%

EPS (FY2025)

2.86

Net profit (FY2025)

$77.5M

Ask MarketChacha about CPF

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$51.8M	$77.5M	2.86	149.5%	13.1%
FY2024	$38.7M	$53.4M	1.97	137.9%	9.9%
FY2023	$46.7M	$58.7M	2.17	125.7%	11.6%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$14.6M	$20.8M	0.80	142.4%
2026Q1	$11.6M	$20.7M	0.78	179.1%
2025Q3	$13.5M	$18.6M	0.69	137.5%
2025Q2	$13.0M	$18.3M	0.67	140.4%
2025Q1	$11.1M	$17.8M	0.65	160.1%
2024Q3	$12.7M	$13.3M	0.49	104.5%
2024Q2	$12.1M	$15.8M	0.58	130.5%
2024Q1	$11.2M	$12.9M	0.48	115.1%
2023Q3	$10.0M	$13.1M	0.49	130.8%
2023Q2	$10.4M	$14.5M	0.53	138.7%
2023Q1	$11.0M	$16.2M	0.60	147.0%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/6/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/24/2026material
8-K — Shareholder vote results, Exhibits
SEC7/2/2026material
8-K — Shareholder vote results
SEC5/4/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/29/2026material
10-Q filing
SEC4/29/2026
10-K filing
SEC2/27/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/28/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC12/16/2025material
8-K — Executive/director change
SEC11/7/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/29/2025material
10-Q filing
SEC10/29/2025
8-K — Executive/director change
SEC10/1/2025material
8-K — Executive/director change
SEC8/25/2025material
10-Q filing
SEC8/5/2025
8-K — Results of operations, Bylaw/charter change, Reg FD disclosure, Exhibits
SEC7/25/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.