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CPB Inc.

CPF Financial Banks Regional

CPB Inc.’s revenue for fiscal 2025 (year ended December 2025) was $366.0 million, up 6.14% from fiscal 2024.

Revenue
−0.51%
EPS
+29.0%
Free cash flow
+31.4%
Total debt
−41.8%

Quarter to September 2026, against a year earlier

38.38 0.05 −0.13%
Market cap
$977.8M
P/E
11.5×
Fwd P/E
11.4×
Dividend yield
3.01%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.57%

Capital & Financial Ratios $m

Size
Market Cap 977.80
Revenue ttm 368.04
Net income ttm 87.20
Free cash flow ttm 104.64
Net debt Q (282.87)
Valuation
P/E 11.52
Forward P/E 11.40
Price / sales 2.68
Forward P/S Powerpack
Price / FCF 9.44
Price / book 1.70
Financial health
Current ratio Q 0.85
Debt / equity Q 0.13
Interest coverage Q —
Growth
Revenue growth Q −0.51% (below 0%: shrinking)
Operating income growth Q +27.60% (above 0%: growing)
EPS, this year +16.29% (at or above 15%: strong)
EPS, next year A +10.40%
Revenue, next year A −16.44% (below 0%: weak)
EPS, past 5 yrs +16.72% (at or above 15%: strong)
EPS, next 5 yrs A +11.40%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 36.16%
10-year low 10-year high
P/S against its own 10 years 50.28%
10-year low 10-year high
P/B against its own 10 years 80.38%
10-year low 10-year high

Dividends

Yield
3.01%
Annual rate
1.16
Payout ratio
35.1%
Growth, 2017–25
+5.69%/yr
  1. 0.70 ’17
  2. 0.82 ’18 +17
  3. 0.90 ’19 +10
  4. 0.92 ’20 +2
  5. 0.96 ’21 +4
  6. 1.04 ’22 +8
  7. 1.04 ’23 +0
  8. 1.04 ’24 +0
  9. 1.09 ’25 +5
  10. 1.19 ’26e +9
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 522 381 379 359
Receivables — — — —
Inventory — — — —
Other — — — —
5,921 5,684 5,633 5,639
2023 2024 2025 Q'26
Payables 6,848 6,644 6,610 6,664
ST’ Debt — — — —
Other — — — —
6,867 6,654 6,617 6,669

Compound Annual Growth %

10y 5y 3y
Sales 6.73% 7.27% 9.26%
Cash Flow 2.72% 4.88% (5.12%)
Earnings 5.38% 15.76% 1.58%
Book Value 1.82% 1.62% 9.38%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.87 Actual 0.88

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.73 0.85 Beat by 0.12
Q1 FY26 0.74 0.78 Beat by 0.04
Q2 FY26 0.78 0.80 Beat by 0.02
Q3 FY26 0.87 0.88 Beat by 0.01
Q4 FY26 0.89 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.78 0.80 0.88 — —
’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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 89 93 93 — —
’25 88 91 93 93 366
’24 86 88 91 81 345
’23 78 80 82 89 329
’22 62 72 69 77 281
’21 62 64 68 67 262
’20 63 64 63 68 258
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 18 43 30 — —
’25 20 35 22 20 97
’24 17 26 21 26 91
’23 18 30 35 22 105
’22 9 38 34 32 114
’21 20 39 16 36 110
’20 31 26 (17) 36 77
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 17 41 28 — —
’25 20 33 21 18 92
’24 14 21 16 25 75
’23 14 26 33 26 99
’22 9 27 31 29 96
’21 11 34 10 34 88
’20 26 20 (24) 30 51
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 209 219 237 258 258 262 281 329 345 366 368 +6.4% 306 319 329 (3.5%)
Gross margin, % 95.61 93.22 89.33 87.49 94.28 97.05 93.91 77.94 72.63 79.98 82.46 (15.6) pt
EBT 73 76 78 78 49 106 99 77 68 98 112 +3.3%
EBT margin, % 34.98 34.60 33.00 30.18 19.03 40.35 35.20 23.33 19.73 26.85 30.48 (8.1) pt
Net income 47 41 59 58 37 80 74 59 53 77 87 +5.7%
Per share, $
Per share, $ Revenue 6.75 7.21 8.06 9.06 9.18 9.35 10.24 12.18 12.74 13.59 14.33 +8.1%
Earnings 1.52 1.36 2.02 2.05 1.33 2.85 2.70 2.17 1.97 2.88 3.34 +7.4%
Cash flow 2.47 3.18 3.52 2.53 2.74 3.95 4.17 3.89 3.35 3.62 4.32 +4.4%
Capex (0.05) (0.21) (0.11) (0.25) (0.93) (0.79) (0.67) (0.24) (0.56) (0.19) (0.24) +15.6%
Free cash flow 2.41 2.97 3.41 2.28 1.81 3.15 3.49 3.65 2.79 3.43 4.08 +4.0%
Book value 16.28 16.45 16.72 18.55 19.47 19.94 16.53 18.64 19.90 22.00 22.65 +3.4%
Shares, m 31 30 29 28 28 28 27 27 27 27 26 (1.6%)
Valuation, ×
Valuation, × P/E 20.51 22.10 12.05 14.50 14.40 9.92 7.58 9.06 14.75 10.78 11.52 13.6
P/S 4.61 4.14 3.02 3.26 2.07 3.01 1.99 1.62 2.28 2.29 2.68 2.8
P/B 1.92 1.81 1.46 1.59 0.98 1.41 1.23 1.06 1.46 1.42 1.70 1.4
EV/Sales 4.65 4.19 3.10 3.20 2.08 2.16 1.97 0.51 1.63 1.47 — 2.5
EV/FCF 13.02 10.16 7.34 12.72 10.53 6.40 5.77 1.70 7.44 5.82 — 8.1
Cash, $m
Cash, $m Operating cash flow 76 97 103 72 77 110 114 105 91 97 111 +2.7%
Capex (2) (7) (3) (7) (26) (22) (18) (6) (15) (5) (6) +13.8%
Free cash flow 75 90 100 65 51 88 96 99 75 92 105 +2.4%
Balance, $m
Balance, $m Working capital (1,143) (1,153) (987) (725) (796) (1,256) (1,121) (946) (970) (984) (1,031) (1.7%)
Net debt 8 10 20 (16) 1 (223) (6) (366) (225) (302) (283) n/m
Shareholders’ equity 505 500 492 529 547 558 453 504 538 593 581 +1.8%
Returns, %
Returns, % ROA 0.89 0.75 1.04 0.99 0.59 1.14 1.00 0.78 0.71 1.04 1.17 +0.1 pt
ROIC 8.92 9.28 9.56 9.51 5.59 19.71 13.82 34.92 13.55 21.15 23.48 +12.2 pt
ROE 9.40 8.20 12.00 11.43 6.93 14.46 14.62 12.27 10.25 13.70 14.91 +4.3 pt
People
People Employees 837 838 844 854 822 820 781 737 741 763 — (1.0%)
Revenue/emp, $m 0.25 0.26 0.28 0.30 0.31 0.32 0.36 0.45 0.47 0.48 — +7.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

CPB Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MCBS MetroCity Bankshares, Inc. $1.0B 11.8× 11.4× +23.15% (above 0%: growing) +23.53% (above 0%: growing) −202.65% (below 0%: shrinking) 64.69% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
EGBN Eagle Bancorp, Inc. $1.0B 23.6× 16.6× −14.05% (below 0%: shrinking) n/m +207.40% (above 0%: growing) 54.04% 0.00% Compare
EQBK Equity Bancshares, Inc. $1.0B 28.8× 10.6× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
CAC Camden National Corporation $978.7M 10.8× 10.8× −1.32% (below 0%: shrinking) +8.80% (above 0%: growing) −13.69% (below 0%: shrinking) 73.23% 0.00% Compare
CPF CPB Inc. $977.8M 11.5× 11.4× −0.51% (below 0%: shrinking) +28.99% (above 0%: growing) +31.44% (above 0%: growing) 82.63% 0.00%
HAFC Hanmi Financial Corporation $959.5M 10.6× 10.2× +2.24% (above 0%: growing) +10.38% (above 0%: growing) +48.02% (above 0%: growing) 65.09% 0.00% Compare
TRST TrustCo Bank Corp NY $934.5M 15.1× 9.1× +5.24% (above 0%: growing) +18.39% (above 0%: growing) +2.59% (above 0%: growing) 69.68% 0.00% Compare
THFF First Financial Corporation Indiana $910.8M 9.9× 10.1× +12.04% (above 0%: growing) +32.00% (above 0%: growing) +35.58% (above 0%: growing) 76.21% 0.00% Compare
Median of peers $994.4M 11.3× 10.6× +6.03% +18.39% +38.18% 70.19% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 6 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.76m 3.37m 205.00
2024 2.11m 2.66m 184.00
2023 1.74m 1.59m 119.00
2022 2.78m 1.40m 116.00
2021 3.49m 4.86m 154.00

Ownership

Directors and executive officers, together 1.70%
BlackRock, Inc. 14.46%
HoldCo Asset Management LP 9.20%
The Vanguard Group 7.66%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

CPB Inc. (CPF) Latest News

28 Oct

Impact 4 · · The Motley Fool
Impact 4 · · Moby transcript
Impact 4 · · MarketBeat transcript
Impact 3 · · The Motley Fool transcript
Impact 3 · · Associated Press
Impact 3 · · Zacks
Impact 3 · · Zacks

23 Oct

Impact 3 · · Zacks

30 Jul

Impact 3 ·

29 Jul

Impact 3 ·

24 Jul

Impact 3 · transcript
Impact 3 · · Moby
Impact 3 · · MarketBeat transcript
Impact 3 ·

30 Apr

Impact 4 · · Moby
Impact 4 · · GuruFocus.com
Impact 3 · · MarketBeat

29 Apr

Impact 4 · · Zacks
Impact 4 · · Business Wire
Impact 3 · · Zacks

22 Apr

Impact 3 · · Zacks
Impact 3 · · Simply Wall St.

10 Feb

Impact 4 · · Barrons.com

9 Feb

Impact 4 · · Simply Wall St.

31 Jan

Impact 3 · · Simply Wall St.

29 Jan

Impact 4 · · Moby

28 Jan

Impact 4 · · MarketBeat transcript
Impact 4 · · GuruFocus.com transcript
Impact 4 · · Zacks
Impact 3 · · ZacksZacksZacksZacksZacksZacksZacks
stockrow.com/CPF · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com