| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.18 |
—
—
—
|
| 2025 | 1.09 |
—
—
—
—
|
| 2024 | 1.04 |
—
—
—
—
|
| 2023 | 1.04 |
—
—
—
—
|
| 2022 | 1.04 |
—
—
—
—
|
| 2021 | 0.96 |
—
—
—
—
|
| 2020 | 0.92 |
—
—
—
—
|
| 2019 | 0.90 |
—
—
—
—
|
| 2018 | 0.82 |
—
—
—
—
|
| 2017 | 0.70 |
—
—
—
—
|
| 2016 | 0.60 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 522.44 | 380.94 | 378.65 | 383.27 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 5,920.77 | 5,683.65 | 5,632.77 | 5,656.80 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 6,847.59 | 6,644.01 | 6,609.76 | 6,695.75 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 6,866.54 | 6,654.06 | 6,616.83 | 6,701.80 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 88.67 | 93.31 | — | — |
—
|
| ’25 | 88.30 | 91.13 | 93.47 | 93.08 |
365.98
|
| ’24 | 85.65 | 87.96 | 90.63 | 80.58 |
344.82
|
| ’23 | 77.82 | 79.76 | 82.46 | 89.29 |
329.32
|
| ’22 | 62.44 | 72.20 | 69.30 | 76.64 |
280.58
|
| ’21 | 62.49 | 64.49 | 68.22 | 66.62 |
261.82
|
| ’20 | 62.70 | 63.64 | 63.32 | 67.96 |
257.62
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 18.33 | 42.90 | — | — |
—
|
| ’25 | 20.44 | 35.07 | 21.44 | 20.52 |
97.47
|
| ’24 | 17.00 | 25.95 | 21.27 | 26.31 |
90.52
|
| ’23 | 18.27 | 30.00 | 35.23 | 21.61 |
105.11
|
| ’22 | 9.41 | 38.14 | 34.45 | 32.12 |
114.12
|
| ’21 | 19.68 | 39.46 | 15.78 | 35.57 |
110.49
|
| ’20 | 31.25 | 25.81 | (16.65) | 36.38 |
76.79
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 17.26 | 40.98 | — | — |
—
|
| ’25 | 19.55 | 33.07 | 20.56 | 19.12 |
92.30
|
| ’24 | 13.74 | 21.27 | 15.62 | 24.79 |
75.43
|
| ’23 | 14.45 | 25.55 | 32.53 | 26.15 |
98.68
|
| ’22 | 8.55 | 27.18 | 31.29 | 28.66 |
95.68
|
| ’21 | 10.72 | 33.63 | 10.46 | 33.52 |
88.33
|
| ’20 | 25.64 | 19.72 | (24.33) | 29.77 |
50.80
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.78 | 0.80 | — | — |
—
|
| ’25 | 0.65 | 0.67 | 0.69 | 0.85 |
2.86
|
| ’24 | 0.48 | 0.58 | 0.49 | 0.42 |
1.97
|
| ’23 | 0.60 | 0.53 | 0.49 | 0.55 |
2.17
|
| ’22 | 0.70 | 0.64 | 0.61 | 0.74 |
2.68
|
| ’21 | 0.64 | 0.66 | 0.74 | 0.80 |
2.83
|
| ’20 | 0.29 | 0.35 | 0.24 | 0.43 |
1.32
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 18.59 | 13.22 | 18.00 | 23.16 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 30.97 | 24.55 | 33.25 | 33.35 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 781 | 737 | 741 | 763 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.36 | 0.45 | 0.47 | 0.48 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 280.58 | 329.32 | 344.82 | 365.98 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 93.91% | 77.94% | 72.63% | 79.98% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 98.77 | 76.82 | 68.04 | 98.28 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.20% | 23.33% | 19.73% | 26.85% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 73.93 | 58.67 | 53.41 | 77.48 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.56 | 10.74 | 10.88 | 6.66 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.24 | 12.18 | 12.74 | 13.59 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.70 | 2.17 | 1.97 | 2.88 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.17 | 3.89 | 3.35 | 3.62 | ‡‡‡‡ | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.67) | (0.24) | (0.56) | (0.19) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.49 | 3.65 | 2.79 | 3.43 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.53 | 18.64 | 19.90 | 22.00 | ‡‡‡‡ | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 27.40 | 27.03 | 27.06 | 26.93 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.58 | 9.06 | 14.75 | 10.78 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.99 | 1.62 | 2.28 | 2.29 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.23 | 1.06 | 1.46 | 1.42 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.00 | 0.51 | 1.63 | 1.47 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.87 | 1.71 | 7.46 | 5.83 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 114.12 | 105.11 | 90.52 | 97.47 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (18.44) | (6.43) | (15.09) | (5.16) | ‡‡‡‡‡ | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 95.68 | 98.68 | 75.43 | 92.30 | ‡‡‡‡‡ | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1,120.74) | (945.77) | (970.41) | (984.06) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 114.86 | 156.10 | 156.35 | 76.55 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.82 | (366.33) | (224.60) | (302.11) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 452.87 | 503.82 | 538.39 | 592.58 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.00% | 0.78% | 0.71% | 1.04% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.55% | 34.92% | 13.55% | 21.15% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.62% | 12.27% | 10.25% | 13.70% | — | — | — |
ROE
|
Central Pacific Financial Corp. (CPF), Hawaii’s resilient regional bank, has powered through a decade of turbulence—from the 2018 Kilauea eruption to COVID tourism shocks—with revenues surging 65% from $209 million in 2016 to $345 million in 2023. This growth, averaging 7% annually, stems from laser-focused efficiency: revenue per employee leaped 86% to $465,000, bolstered by aggressive share buybacks that shrank shares 13% and amplified per-share metrics like revenue/share up 89%. Even as gross margins dipped to 73% amid rising rates and fintech pressures, profitability shines with ROE at 10%, ROIC rebounding to 14%, and a fortress balance sheet featuring negative net debt of -$225 million—cash exceeding debt by over $200 million—positioning CPF for buybacks, M&A, or digital innovation.
Valuation metrics scream opportunity: trailing PE at 15x, PS at 2.3x, and EV/FCF at 7.5x, all compressed versus forward EPS forecasts exploding to $3.25 in 2025 and $3.63 in 2026 (64-84% jumps). Analysts eye revenue moderation to $306 million in 2025 before rebounding, with net income up 57% and BVPS surging 58% to $31.50, fueled by Hawaii’s tourism revival and potential fintech partnerships. Routine insider selling tempers short-term hype, but with 10-15% upside to targets and multi-year potential of 30-50%, CPF trades like an undervalued gem ready to evolve from survivor to disruptor.
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