Central Pacific Financial Corp

Valuation Analysis

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. 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 deposito

Central Pacific Financial Corp Stock at a Glance

Central Pacific Financial Corp (CPF) is currently trading at $36.60 with a market capitalization of $955.3M. The trailing P/E ratio stands at 12.24x, with a forward P/E of 10.26x. The 52-week range spans from $25.62 to $36.80; the current price is 0.5% below the yearly high. Year-over-year revenue growth stands at +9.2%. The net profit margin stands at 28.43%.

💰 Dividend

Central Pacific Financial Corp pays an annual dividend of $1.16 per share, representing a yield of 3.17%. The payout ratio stands at 37.12%.

📊 Analyst Rating

2 analysts rate Central Pacific Financial Corp (CPF) on consensus: None. The average price target is $39.00, implying +6.56% from the current price. Analyst price targets range from $37.00 to $41.00.

Central Pacific Financial Corp : The Investment Case in Detail

Central Pacific Financial Corp (CPF) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The forward P/E of 10.26x is meaningfully below the trailing 12.24x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 98.2% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.17% combined with a payout ratio of 37.12% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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