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Home CompaniesCentral Pacific Financial Corp

Central Pacific Financial Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
38.77 USD -0.22 ( 0.56%)
Last update at 2026-11-12T15:37:00Z
VOLUME
10620
Market Cap
967.59M
P/E
12.16

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
38.76
Low
39.41
High
52 Week Price Range
26.46
Low
40.66
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Central Pacific Financial Corporation is the holding company for Central Pacific Bank, a Hawaii-focused regional lender offering consumer and commercial banking, mortgages and treasury services. Long-term growth may be supported by Hawaii economic and tourism recovery, local real estate lending demand and modest margin gains from interest-rate dynamics and digital adoption, which may appeal to investors seeking regional franchise exposure.
Principal risks include heavy geographic concentration in Hawaii with exposure to tourism and property cycles, sensitivity to interest-rate and deposit-cost swings, competitive pressure and potential credit or regulatory setbacks.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
38.99
Dividend Yield
2.99%
Revenue TTM
288.19M
Revenue Per Share
10.88
Gross Profit TTM
288.19M
Debt / Equity
0.22
ROE
14.25%
Net Debt
39.45M
ROCE
1.36%
Diluted EPS TTM
3.09

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 98.28M 68.04M 76.82M 98.77M 105.65M
Net income 77.48M 53.41M 58.67M 73.93M 79.89M
Selling general administrative 98.25M 92.54M 88.21M 88.78M 106.79M
Selling and marketing expenses 4.69M 5.61M 5.90M 4.15M 5.50M
Gross profit 275.80M 236.47M 231.71M 263.48M 254.11M
Reconciled depreciation 7.95M 9.12M 7.65M 8.16M 10.45M
Ebit - 68.04M 76.82M 115.86M 105.65M
Ebitda 100.68M 77.15M 84.47M 124.02M 116.10M
Depreciation and amortization - 9.12M 7.65M 8.16M 10.45M
Operating income 100.68M 68.04M 76.82M 115.86M 105.65M
Other operating expenses 261.64M 272.44M 242.81M -147.62M -148.46M
Interest expense 73.28M 94.37M 72.66M 17.09M 7.71M
Tax provision 20.80M 14.63M 18.15M 24.84M 25.76M
Interest income 312.67M 305.59M 282.18M 232.26M 218.44M
Net interest income 239.39M 211.22M 209.52M 215.17M 211.05M
Income tax expense 20.80M 14.63M 18.15M 24.84M 25.76M
Total revenue 362.32M 340.48M 319.63M 263.48M 254.11M
Total operating expenses 175.12M 168.44M 154.89M -147.62M -148.46M
Cost of revenue 86.52M 104.00M 87.92M - -
Total other income expense net -2.40M 29.32M -25.36M -17.09M 62.59M
Net income from continuing ops 77.48M 53.41M 58.67M 73.93M 79.89M
Net income applicable to common shares 77.48M 53.41M 58.67M 73.93M 79.89M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 7409.24M 7472.10M 7642.80M 7432.76M 7419.09M
Intangible assets 8.67M 8.47M 8.70M 9.07M 9.74M
Earning assets - - - - 1890.60M
Other current assets 23.56M - 543.95M -252.45M 3650.86M
Total liab 6816.66M 6933.71M 7138.98M 6979.89M 146.35M
Total stockholder equity 592.58M 538.38M 503.81M 452.87M 558.22M
Other current liab -7.07M 6644.01M 6847.59M -5.00M 6639.16M
Common stock 381.16M 404.49M 405.44M 408.07M 433.26M
Capital stock 381.16M 404.49M 405.44M 408.07M 426.09M
Retained earnings 191.38M 143.26M 117.99M 87.44M 34.84M
Other liab - - - 87.57M 75.32M
Other assets 6423.83M 6498.12M 5402.20M 5109.57M 3650.86M
Cash 88.20M 380.94M 522.44M 112.04M 328.91M
Total current liabilities 25.55M 6654.06M 6866.54M 5.00M 1526.08M
Current deferred revenue - - -3.14M - -
Net debt 39.45M -192.57M -335.70M 34.70M -182.56M
Short term debt 25.55M - 3.14M 5.00M 1526.08M
Short long term debt - - 0.00M 5.00M 0.00M
Short long term debt total 127.64M 188.37M 186.74M 146.75M 146.35M
Other stockholder equity 107.31M 105.05M 102.98M 101.35M 98.07M
Property plant equipment 125.44M 135.17M 125.90M 126.62M 119.80M
Total current assets 859.97M 948.17M 1191.16M 804.18M 1977.32M
Long term investments 1371.95M 1387.01M 1321.09M 1383.32M 1661.38M
Net tangible assets - - - 452.87M 558.22M
Short term investments 748.21M 543.86M 647.21M 671.79M 1631.70M
Net receivables 23.56M 23.38M 21.51M 20.34M 16.71M
Long term debt 76.55M 156.34M 156.10M 105.86M 105.62M
Inventory - - -784.90M - -
Accounts payable 7.07M 10.05M 18.95M 6736.22M 6639.16M
Noncontrolling interest in consolidated entity - - - - 0.05M
Accumulated other comprehensive income -87.27M -114.42M -122.60M -143.98M -7.96M
Common stock total equity - - - 408.07M 426.09M
Retained earnings total equity - - - 87.44M 42.02M
Non currrent assets other -6079.22M 257.80M 266.33M -1519.01M -1790.91M
Non current assets total 125.44M 6523.92M 6451.64M 1519.01M 1790.91M
Capital lease obligations 25.55M 32.02M 30.63M 35.89M 40.73M
Long term debt total 76.55M 106.34M 106.10M 105.86M 105.62M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 56.95M 0.65M -33.21M -364.31M -636.55M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 67.19M 0.65M 179.66M -384.48M -662.30M
Net borrowings -80.00M 0.00M 45.00M 5.00M -22.00M
Total cash from financing activities -166.94M -232.67M 125.62M 53.50M 776.65M
Change to operating activities - - - 11.71M 2.35M
Net income 77.48M 53.41M 58.67M 73.93M 79.89M
Change in cash -2.29M -141.50M 410.39M -216.86M 224.84M
Begin period cash flow 380.94M 522.44M 112.04M 328.91M 104.07M
End period cash flow 378.65M 380.94M 522.44M 112.04M 328.91M
Total cash from operating activities 97.47M 90.52M 105.11M 114.12M 110.49M
Issuance of capital stock - 0.00M 0.00M 0.68M 1.24M
Depreciation 7.95M 9.12M 7.65M 8.16M 10.45M
Other cashflows from investing activities 67.19M 92.53M 112.18M -1.73M -3.58M
Dividends paid 29.36M 28.14M 28.12M 28.50M 26.96M
Sale purchase of stock -23.34M -0.94M -2.63M -20.74M -18.67M
Other cashflows from financing activities -34.25M -203.58M 111.37M 102.06M 843.04M
Change to netincome - - - 31.85M 22.59M
Capital expenditures 5.16M 15.09M 12.65M 18.44M 22.16M
Cash flows other operating - - - -4.21M -11.62M
Cash and cash equivalents changes - - - -216.86M 224.84M
Change in working capital 15.63M 4.29M 15.71M 11.71M 2.35M
Stock based compensation 2.25M 2.07M 1.64M 3.27M 3.23M
Other non cash items 4.35M 12.86M 10.23M -8.76M 3.74M
Free cash flow 86.10M 75.43M 92.46M 95.68M 88.33M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CPF
Central Pacific Financial Corp		 -0.22
0.56%		 38.77 12.16 9.43 3.36 1.63 3.61
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Central Pacific Financial Corp

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.

220 South King Street, Honolulu, HI, United States, 96813

808 544 0500

https://www.cpb.bank

722

Name Title Year Born
Mr. Paul K. Yonamine CPA Chairman & CEO 1957
Ms. Anli Ngo Exec. Vice Chairman 1961
Mr. Arnold D. Martines Pres & COO 1965
Mr. David S. Morimoto Sr. Exec. VP, Treasurer & CFO 1968
Mr. Lee Yasuo Moriwaki Exec. VP & Chief Information Officer 1959
Mr. Glenn K. C. Ching Exec. VP, Corp. Sec., Chief Legal Officer & Risk Mgt. Division Mang. 1959
Ms. Patricia L. Foley Exec. VP of HR & Division Mang. 1959
Mr. Denis K. Isono Exec. VP of Corp. Services 1951
Mr. David H. Hudson Exec. VP of Retail Markets & Community Banking Division Mang. NA
Mr. Ian Tanaka Sr. VP & Treasurer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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