YOLFTbeta
Central Pacific Financial Corp

Central Pacific Financial Corp

CPF · NYSE · Financial Services / Banks - Regional

38.82USD+0.01 (+0.03%)

Price History

Full chart

Market Stats

Previous Close38.81
Open39.05
Day Range38.65 – 40.05
52-Week Range26.46 – 40.67
Volume131.24K
Market Cap948.54M
P/E (TTM)11.70
Forward P/E9.43
EPS3.15
Dividend Yield3.30%
Beta0.83
50-Day Avg38.27
200-Day Avg34.77

About

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 Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Arnold D. Martines
  • Employees722
  • Headquarters220 South King Street, Honolulu, HI, United States, 96813, USA
  • Websitehttps://www.cpb.bank

Leadership

  • Mr. Arnold D. MartinesChairman, President & CEO · b. 1965
  • Ms. Dayna N. MatsumotoExecutive VP & CFO · b. 1982
  • Mr. David S. MorimotoVice Chair & COO · b. 1968
  • Mr. Ralph M. MesickVice Chair of Wholesale Lending, Products & Technology · b. 1960
  • Mr. Glenn K. C. ChingExecutive Vice President, Chief Legal Officer & Corporate Secretary · b. 1959
  • Jayrald RabagoSenior Strategic Financial Officer

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---82.30M98.40M106.60M105.80M103.20M104.50M118.60M115.00M121.10M128.60M125.90M137.82M143.99M133.74M126.06M172.41M304.25M363.54M395.68M358.20M301.46M209.62M192.99M188.61M194.43M190.50M190.26M200.91M214.58M232.13M221.77M257.62M259.86M277.04M319.63M340.48M362.32M
Growth (%)----+19.56%+8.33%-0.75%-2.46%+1.26%+13.49%-3.04%+5.30%+6.19%-2.10%+9.47%+4.47%-7.11%-5.74%+36.76%+76.47%+19.49%+8.84%-9.47%-15.84%-30.46%-7.93%-2.27%+3.09%-2.03%-0.13%+5.60%+6.81%+8.18%-4.47%+16.16%+0.87%+6.61%+15.37%+6.52%+6.42%
Cost of Revenue---41.00M47.70M48.60M42.10M34.10M34.90M48.00M44.20M48.20M53.30M48.10M60.06M54.42M30.48M20.88M32.30M70.49M110.88M190.98M273.67M416.52M201.65M-22.06M-10.15M-4.14M-23.00K-9.16M2.10M11.72M23.18M38.66M56.85M-7.14M15.54M87.92M104.00M86.52M
Gross Profit---41.30M50.70M58.00M63.70M69.10M69.60M70.60M70.80M72.90M75.30M77.80M77.76M89.56M103.26M105.19M140.11M233.76M252.66M204.70M84.53M-115.06M7.97M215.06M198.76M198.57M190.52M199.42M198.81M202.86M208.96M221.77M200.77M267.00M261.50M231.71M236.47M275.80M
Gross Margin---50.18%51.52%54.41%60.21%66.96%66.60%59.53%61.57%60.20%58.55%61.80%56.42%62.20%77.21%83.44%81.27%76.83%69.50%51.73%23.60%-38.17%3.80%111.43%105.38%102.13%100.01%104.82%98.95%94.54%90.02%100.00%77.93%102.75%94.39%72.49%69.45%76.12%
Operating Expense---27.00M32.50M37.70M40.00M43.40M47.30M47.80M47.50M48.50M51.20M53.40M47.74M50.68M55.02M55.58M86.13M124.77M132.16M176.56M272.26M218.68M258.93M178.48M151.34M138.75M129.68M126.46M125.54M127.06M130.71M143.84M151.74M161.34M162.73M154.89M168.44M175.12M
Operating Income4.00M5.20M7.30M14.30M18.20M20.30M23.70M25.70M22.30M22.80M23.30M24.40M24.10M24.40M30.02M38.88M48.24M49.61M53.98M108.99M120.49M28.14M-187.73M-333.74M-250.95M36.57M47.42M59.83M60.84M72.96M73.27M75.80M78.24M77.93M49.03M105.65M98.77M76.82M68.04M100.68M
Operating Margin---17.38%18.50%19.04%22.40%24.90%21.34%19.22%20.26%20.15%18.74%19.38%21.78%27.00%36.07%39.35%31.31%35.82%33.14%7.11%-52.41%-110.71%-119.72%18.95%25.14%30.77%31.94%38.35%36.47%35.32%33.71%35.14%19.03%40.66%35.65%24.03%19.98%27.79%
EBITDA4.00M5.20M7.30M15.30M19.50M22.10M25.70M31.20M27.50M27.10M26.90M27.40M27.40M27.50M32.66M42.11M53.57M58.91M63.88M127.34M135.97M42.86M-171.25M-319.21M-236.16M50.33M63.95M73.25M72.02M85.69M87.06M87.20M88.40M86.53M61.42M116.10M106.93M84.47M77.15M108.62M
EBITDA Margin---18.59%19.82%20.73%24.29%30.23%26.32%22.85%23.39%22.63%21.31%21.84%23.70%29.25%40.05%46.73%37.05%41.85%37.40%10.83%-47.81%-105.89%-112.66%26.08%33.91%37.68%37.80%45.04%43.33%40.64%38.08%39.02%23.84%44.68%38.60%26.43%22.66%29.98%
Net Income4.00M5.20M7.30M9.40M11.50M12.70M14.60M15.90M13.50M13.80M14.10M15.00M15.10M16.30M19.43M28.70M33.28M33.94M37.39M72.46M79.18M5.81M-138.41M-313.75M-250.95M36.57M47.42M172.07M40.45M45.87M46.99M41.20M59.49M58.32M37.27M79.89M73.93M58.67M53.41M77.48M
Net Income Margin---11.42%11.69%11.91%13.80%15.41%12.92%11.64%12.26%12.39%11.74%12.95%14.10%19.94%24.89%26.92%21.69%23.82%21.78%1.47%-38.64%-104.08%-119.72%18.95%25.14%88.50%21.24%24.11%23.39%19.20%25.63%26.30%14.47%30.75%26.68%18.36%15.69%21.38%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense00039.60M45.60M46.20M39.40M30.90M31.60M44.70M41.70M44.70M46.70M44.40M55.56M51.42M29.48M20.18M30.22M66.58M109.53M137.98M102.00M67.72M42.10M18.63M8.73M7.17M6.39M6.51M9.19M14.86M25.30M32.31M14.73M7.71M17.09M72.66M94.37M73.28M
Interest Expense % of Total Revenue---48.12%46.34%43.34%37.24%29.94%30.24%37.69%36.26%36.91%36.31%35.27%40.31%35.71%22.04%16.01%17.53%21.88%30.13%34.87%28.47%22.46%20.08%9.65%4.63%3.69%3.35%3.42%4.57%6.92%10.90%14.57%5.72%2.97%6.17%22.73%27.72%20.22%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets---925.30M1.04B1.13B1.25B1.30B1.38B1.37B1.40B1.50B1.56B1.65B1.82B1.84B2.03B2.17B4.65B5.24B5.49B5.68B5.43B4.87B3.94B4.13B4.37B4.74B4.85B5.13B5.38B5.62B5.81B6.01B6.59B7.42B7.43B7.64B7.47B7.41B
Total Liabilities---855.20M957.70M1.04B1.15B1.19B1.26B1.24B1.26B1.35B1.41B1.50B1.67B1.68B1.84B1.97B4.07B4.55B4.74B4.99B4.90B4.52B3.86B3.67B3.86B4.08B4.28B4.64B4.88B5.12B5.32B5.48B6.05B6.86B6.98B7.14B6.93B6.82B
Total Equity---70.10M79.20M89.70M100.70M113.20M121.10M132.50M140.90M151.70M148.10M144.10M143.31M147.07M173.44M194.60M567.86M676.23M738.14M674.40M526.29M335.96M66.05M456.44M504.82M660.11M568.04M494.61M504.65M500.01M491.73M528.52M546.68M558.22M452.87M503.81M538.38M592.58M
Cash---151.10M98.80M101.50M84.50M68.20M101.90M57.40M81.80M84.90M53.20M93.20M63.71M69.10M101.63M69.00M137.85M164.74M135.65M79.33M107.75M488.37M790.74M257.07M177.38M49.35M86.01M80.19M84.34M82.29M102.19M102.97M104.07M328.91M112.04M522.44M380.94M378.65M
Total Debt---38.30M11.50M38.30M64.20M96.90M162.20M84.60M121.20M134.00M120.30M177.30M277.69M189.47M176.16M187.69M676.28M831.99M819.50M932.02M928.71M900.30M662.28M158.33M108.28M100.81M130.78M161.78M227.78M124.78M319.17M304.18M174.58M146.35M146.75M186.74M188.37M102.10M
Net Debt----112.80M-87.30M-63.20M-20.30M28.70M60.30M27.20M39.40M49.10M67.10M84.10M213.98M120.37M74.53M118.69M538.43M667.25M683.85M852.69M820.96M411.94M-128.46M-98.74M-69.09M51.47M44.78M81.59M143.44M42.49M216.98M201.21M70.51M-182.56M34.70M-335.70M-192.57M-276.56M

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow8.80M11.50M14.30M11.10M17.90M24.50M24.00M22.50M14.30M26.70M13.30M36.51M30.81M23.48M34.17M8.94M42.38M117.77M80.03M273.99M131.07M221.43M23.12M39.39M84.53M71.43M74.50M76.48M96.78M103.49M72.19M76.79M110.49M114.12M105.11M90.52M97.47M
Investing Cash Flow-104.30M-167.70M-89.50M-114.80M-59.80M-90.80M-10.10M-34.30M-96.70M-77.60M-49.20M-199.60M-31.02M-171.28M-147.76M-344.71M-531.03M-315.53M-323.31M-158.08M486.02M755.63M-687.24M-306.28M-442.05M-83.14M-315.14M-277.22M-296.13M-211.14M-128.97M-596.95M-662.30M-384.48M179.66M654.00K67.19M
Financing Cash Flow142.50M98.90M83.20M105.70M33.60M64.70M-25.20M17.10M77.60M42.90M76.60M131.87M-12.18M170.25M115.17M428.23M489.94M168.67M189.76M-90.29M-236.47M-674.69M130.45M187.19M229.49M48.36M234.82M204.88M197.29M127.55M57.57M521.25M776.65M53.50M125.62M-232.67M-166.94M
Capital Expenditure5.50M1.90M10.10M1.20M2.50M3.30M4.10M2.40M4.60M3.20M900.00K1.69M1.69M1.28M2.68M6.55M5.14M11.37M12.66M6.28M6.13M1.95M747.00K3.70M6.29M6.02M5.82M5.90M6.53M3.23M7.20M26.00M22.16M18.44M12.65M15.09M5.16M
Free Cash Flow3.30M9.60M4.20M9.90M15.40M21.20M19.90M20.10M9.70M23.50M12.40M34.82M29.12M22.20M31.48M2.38M37.24M106.40M67.37M267.71M124.93M219.48M22.38M35.69M78.24M65.42M68.69M70.59M90.25M100.26M65.00M50.80M88.33M95.68M92.46M75.43M92.30M
Dividends Paid1.90M2.80M3.40M4.00M4.50M4.60M4.70M5.10M5.10M5.40M5.20M5.32M5.35M6.05M9.45M14.80M21.85M26.90M29.63M20.11M2.36M7.10M969.00K06.74M13.40M26.14M18.62M21.30M24.14M25.71M25.93M26.96M28.50M28.12M28.14M29.36M
FCF to OCF37.50%83.48%29.37%89.19%86.03%86.53%82.92%89.33%67.83%88.01%93.23%95.38%94.52%94.56%92.15%26.64%87.86%90.35%84.18%97.71%95.32%99.12%96.77%90.62%92.56%91.58%92.19%92.29%93.25%96.88%90.03%66.15%79.94%83.84%87.97%83.33%94.70%
Dividend Paid to FCF57.58%29.17%80.95%40.40%29.22%21.70%23.62%25.37%52.58%22.98%41.94%15.27%18.37%27.26%30.02%621.76%58.68%25.28%43.98%7.51%1.89%3.23%4.33%0.00%8.61%20.49%38.06%26.38%23.60%24.08%39.55%51.06%30.52%29.79%30.41%37.31%31.80%

Earnings

Report DateApr 13, 1993Oct 12, 1993Jan 18, 1994Apr 21, 1994Jul 22, 1994Oct 20, 1994Jan 19, 1995Apr 18, 1995Jul 18, 1995Oct 17, 1995Jan 16, 1996Jan 14, 1997Jul 15, 1997Mar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jul 22, 2002Oct 22, 2002Jan 21, 2003Apr 17, 2003Jul 22, 2003Oct 23, 2003Jan 27, 2004Apr 23, 2004Jul 27, 2004Oct 26, 2004Jan 25, 2005Apr 26, 2005Jul 26, 2005Oct 25, 2005Jan 24, 2006Apr 25, 2006Jul 25, 2006Oct 24, 2006Jan 23, 2007Apr 30, 2007Jul 26, 2007Oct 30, 2007Jan 31, 2008Apr 30, 2008Jul 31, 2008Oct 31, 2008Jan 29, 2009Apr 30, 2009Jul 29, 2009Oct 29, 2009Jan 29, 2010Apr 30, 2010Jul 30, 2010Nov 2, 2010Jan 28, 2011Apr 27, 2011Jul 27, 2011Oct 28, 2011Jan 25, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Jan 31, 2013Apr 26, 2013Jul 25, 2013Oct 30, 2013Jan 30, 2014Apr 24, 2014Jul 24, 2014Oct 29, 2014Jan 29, 2015Apr 23, 2015Jul 24, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Jan 25, 2017Apr 26, 2017Jul 26, 2017Oct 25, 2017Jan 24, 2018Apr 25, 2018Jul 25, 2018Oct 24, 2018Jan 30, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 29, 2020Apr 22, 2020Jul 29, 2020Oct 28, 2020Jan 27, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Jan 26, 2022Apr 20, 2022Jul 27, 2022Oct 21, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 31, 2024Apr 24, 2024Jul 31, 2024Oct 30, 2024Jan 29, 2025Apr 23, 2025Jul 25, 2025Oct 29, 2025Jan 28, 2026Apr 29, 2026Jul 24, 2026Nov 4, 2026
EPS Estimate3.653.803.753.903.753.503.553.103.503.253.303.403.50----------------8.809.7021.0010.2010.4010.2010.609.7010.2011.3011.4011.8011.5612.3613.0412.7013.6013.4413.2213.3613.4013.061.667.501.802.14-0.26-0.90-26.10-7.28-8.20-30.80-27.40-12.40-6.30-3.600.130.180.320.240.230.250.250.210.280.240.220.170.260.280.280.270.310.340.350.330.350.370.370.390.400.410.410.460.460.470.490.500.510.500.490.290.220.300.370.490.560.580.650.560.540.600.600.550.540.520.480.450.480.560.620.630.700.740.730.740.780.87
EPS Actual3.703.803.853.003.303.403.203.303.353.553.003.053.503.433.563.773.764.104.444.604.875.225.545.646.216.8810.4010.909.309.5010.3012.4010.409.8010.2011.009.6010.6011.4011.4011.8011.8013.0012.6012.6013.0013.4012.2013.0013.606.002.401.20-36.202.202.200.60-25.40-50.80-30.20-39.40-12.00-49.202.800.320.200.280.290.360.260.260.290.410.340.240.210.230.250.260.370.290.390.380.340.350.390.370.410.420.390.370.390.480.480.520.540.550.470.510.500.290.350.240.590.640.660.740.800.700.640.610.740.600.530.490.550.480.580.490.700.650.670.730.850.780.80-
Surprise1.37%0.00%2.67%-23.08%-12.00%-2.86%-9.86%6.45%-4.29%9.23%-9.09%-10.29%0.00%----------------7.95%6.19%-40.95%1.96%-5.77%0.00%3.77%-1.03%3.92%0.89%0.00%0.00%2.08%5.18%-3.37%-0.79%-4.41%-0.30%-7.72%-2.69%1.49%-54.06%44.58%-84.00%-2111.11%2.80%946.15%166.67%2.68%-597.80%-268.29%-27.92%56.20%-296.77%144.44%108.89%53.85%55.56%-9.38%50.00%13.04%4.00%16.00%95.24%21.43%0.00%-4.55%35.29%-3.85%-7.14%32.14%7.41%25.81%11.76%-2.86%6.06%11.43%0.00%10.81%7.69%-2.50%-9.76%-4.88%4.35%4.35%10.64%10.20%10.00%-7.84%2.00%2.04%0.00%59.09%-20.00%59.46%30.61%17.86%27.59%23.08%25.00%18.52%1.67%23.33%9.09%-1.85%-5.77%14.58%6.67%20.83%-12.50%12.90%3.17%-4.29%-1.35%16.44%5.41%2.56%-
Timing------------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap948.54M
Enterprise Value660.64M
Trailing P/E11.70
Forward P/E9.43
PEG Ratio1.97
Price / Sales3.29
Price / Book1.57
EPS3.15
Book Value23.11
Revenue (TTM)288.19M
Gross Profit (TTM)288.19M
Profit Margin28.80%
Operating Margin36.80%
Return on Equity14.25%
Return on Assets1.12%
Shares Outstanding25.75M
Shares Float22.89M
Beta0.83
Dividend Yield3.30%
Dividend Rate1.20
Payout Ratio36.71%

Analyst Ratings

Hold
Based on 1 analystsTarget 43.00
  • Hold
    1

Ownership Breakdown

Institutions
97.29%
Insiders
1.89%
Retail / Other
0.82%

Top Institutional Holders

  • BlackRock Inc
    3.89M15.10%
  • HoldCo Asset Management, L.P.
    2.43M9.43%
  • State Street Corp
    1.27M4.92%
  • Dimensional Fund Advisors, Inc.
    1.23M4.79%
  • Vanguard Capital Management, LLC
    1.13M4.39%
  • American Century Companies Inc
    983.80K3.82%
  • Charles Schwab Investment Management Inc
    853.39K3.31%
  • Vanguard Portfolio Management, LLC
    740.65K2.88%
  • Geode Capital Management, LLC
    714.83K2.78%
  • Basswood Capital Management LLC
    670.24K2.60%
  • LSV Asset Management
    615.13K2.39%
  • Renaissance Technologies Corp
    559.39K2.17%
  • Nuveen, LLC
    433.26K1.68%
  • Morgan Stanley - Brokerage Accounts
    393.40K1.53%
  • The Goldman Sachs Group Inc
    391.96K1.52%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.59M6.16%
  • Avantis US Small Cap Value ETF
    880.50K3.42%
  • Vanguard MStar Total Stk Mkt Idx Invest
    792.63K3.08%
  • Schwab US Dividend Equity ETF™
    718.07K2.79%
  • iShares Russell 2000 ETF
    580.18K2.25%

Dividends

20263×
0.30Aug 31, 20260.29May 29, 20260.29Feb 27, 2026
20254×
0.28Nov 28, 20250.27Aug 29, 20250.27May 30, 20250.27Feb 28, 2025
20244×
0.26Nov 29, 20240.26Aug 30, 20240.26May 31, 20240.26Feb 28, 2024
20234×
0.26Nov 29, 20230.26Aug 30, 20230.26May 30, 20230.26Feb 27, 2023
20224×
0.26Nov 29, 20220.26Aug 30, 20220.26May 27, 20220.26Feb 25, 2022
20214×
0.25Nov 29, 20210.24Aug 30, 20210.24May 27, 20210.23Feb 25, 2021
20201×
0.23Nov 27, 2020

Stock Splits

  • Feb 3, 20111:20
  • Nov 12, 20022:1
  • Nov 17, 19972:1