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CPB Inc. CPF

Growth Flags show if company had growth for consecutive years

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Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy
Sell
Insider Ownership
3.61%

Capital & Financial Ratios

Market Cap
961.67
Revenue
368.52
Net Income
83.00
Free Cash Flow
97.92
Net Debt
(306.72)
Current Ratio
0.84
Debt/Equity
0.13
P/E ratio
11.99
P/S ratio
2.66
P/B ratio
1.64
Past 5Y EPS Growth
(0.67%)
This Y EPS Growth
14.42%
Next Y EPS Growth
9.24%
Next 5Y EPS Growth
21.12%
in millions of $

Dividends

Payout Ratio
0.44
Annual Dividend Rate
1.04
Annual Dividend Yield
5.49%
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
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

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
in millions of $

Operating Cash Flow

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
in millions of $

Free Cash Flow

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
in millions of $

EPS

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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
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
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

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.

Dive into the full analysis for the charts, peer comps, and insider details that reveal why this cash-rich contender could deliver the next regional banking renaissance.

CPB Inc. (CPF) Latest News

News by impact score

Fine-tune

30 Jul

3 , 4:09 PM
Central Pacific Financial raised its dividend and finished its buyback program, drawing investor attention to the moves as signals of capital return strength. Dividend increases and buyback completions provide moderate positive signals for near-term sentiment and capital allocation without shifting long-term strategy.

29 Jul

3 , 7:09 AM
Central Pacific Financial reported earnings results, raised its dividend and launched buybacks, prompting assessment of whether the stock remains undervalued. Dividend increases and buybacks after earnings can lift near-term sentiment and valuation without altering long-term fundamentals.

24 Jul

3 transcript , 9:02 PM
Central Pacific Financial Corp (CPF) reported strong net income growth during its Q2 2026 earnings call. Strong net income growth in Q2 2026 is expected to support positive market sentiment and short-term performance for CPF.

3 app.moby.co, 8:21 PM
Central Pacific Financial Corp. released Q2 2026 earnings results via earnings call summary, covering financial performance and company outlook. Quarterly earnings data can shift near-term investor views and stock movement without altering long-term strategy.

3 transcript www.marketbeat.com, 3:01 PM
CPB Inc. (CPF) Q2 earnings call highlights include revenue, net income, segment performance, expense management, loan growth, deposit trends, credit quality metrics, capital ratios and management outlook on net interest margin and strategic initiatives. Q2 earnings details and forward guidance directly affect near-term financial expectations and investor positioning for CPF.

3 , 6:30 AM
Central Pacific Financial reports second quarter 2026 earnings of $20.8 million. Quarterly earnings release supplies core financial data that shapes near-term investor assessments of performance.

30 Apr

4 app.moby.co, 8:30 AM
Central Pacific Financial Corp. (CPF) released Q1 2026 earnings call summary highlighting financial results, performance metrics, and forward guidance. Q1 earnings call summary discloses key financial metrics and outlook that significantly influence investor sentiment and stock trajectory.

4 GuruFocus.com, 3:15 AM
Central Pacific Financial Corp (CPF) reported strong earnings growth in Q1 2026 earnings call highlights. Strong Q1 2026 earnings growth signals major positive shift in financial performance and investor sentiment.

3 www.marketbeat.com, 1:06 AM
CPB Inc. (CPF) Q1 earnings call highlights key quarterly financial results, operational updates, and forward guidance. Q1 earnings highlights moderately influence financial performance and investor sentiment without fundamental trajectory changes.

29 Apr

4 Zacks, 9:30 AM
Central Pacific Financial (CPF) reported Q1 earnings, with key metrics indicating performance details. Q1 earnings reports directly affect financial performance, investor sentiment, and stock trajectory.

4 Business Wire, 6:30 AM
Central Pacific Financial (CPF) reported first quarter 2026 earnings of $20.7 million. Q1 2026 earnings of $20.7 million represent a key financial milestone that significantly influences CPF's market performance and investor sentiment.

3 Zacks, 7:45 AM
Central Pacific Financial (CPF) exceeded Q1 earnings estimates. Beating Q1 earnings estimates boosts short-term financial performance and market sentiment without fundamentally altering long-term trajectory.

22 Apr

3 Zacks, 10:00 AM
Central Pacific Financial (CPF) earnings expected to grow, prompting debate on whether to buy the stock. Expected earnings growth signals moderate positive influence on financial performance and investor sentiment.

3 Simply Wall St., 7:14 AM
CPFL Energia (BOVESPA:CPFE3) investment narrative shifts with analysts' new R$47.84 price target. New R$47.84 price target signals moderately noticeable shift in CPFL Energia's market sentiment and performance outlook.

10 Feb

4 Barrons.com, 10:18 AM
Activist investor enters the realm of Wall Street banks, challenging the established norms and practices within the financial sector. This move signals a potential shift in how banks operate, as the investor seeks to influence corporate governance and strategic decisions. The involvement of such an investor could lead to increased scrutiny and pressure on banks to enhance performance and accountability, impacting their relationships with stakeholders and possibly altering the competitive landscape. The entry of an activist investor is likely to significantly influence strategic decisions and governance within CPB Inc.

9 Feb

4 Simply Wall St., 6:33 AM
CPB Inc. (CPF) is spotlighted for its potential in the US market, highlighting undiscovered investment opportunities that could yield significant returns. The article emphasizes strategic insights and market trends that may benefit investors looking for growth in lesser-known sectors. Analysts suggest that CPF's focus on these emerging areas positions the company favorably for future performance, particularly as market dynamics shift in February 2026. Identifying undiscovered investment opportunities could significantly alter CPF's market positioning and investor sentiment.

31 Jan

3 Simply Wall St., 7:10 AM
Central Pacific Financial (NYSE:CPF) has announced an increase in its dividend payout compared to last year, reflecting the company's strong financial performance and commitment to returning value to shareholders. This decision is expected to enhance investor confidence and attract more interest in the stock. The dividend increase indicates solid financial health, which may positively influence market sentiment and investor interest.

29 Jan

4 app.moby.co, 8:30 AM
Central Pacific Financial Corp. (CPF) released Q4 2025 earnings call summary detailing quarterly financial results and outlook. Q4 earnings call summary delivers key financial metrics and guidance shaping investor expectations and stock trajectory.

28 Jan

4 transcript www.marketbeat.com, 8:40 PM
CPB Inc. reported its Q4 earnings, highlighting significant growth in revenue and net income compared to the previous year. The company attributed this success to increased demand for its products and effective cost management strategies. Management provided an optimistic outlook for the upcoming year, emphasizing plans for product innovation and market expansion. Key performance metrics exceeded analyst expectations, leading to a positive response from investors during the earnings call. Significant growth in revenue and net income, along with plans for product innovation, indicate a strong potential for future performance.

4 transcript GuruFocus.com, 8:00 PM
Central Pacific Financial Corp (CPF) reported strong core earnings in its Q4 2025 earnings call, highlighting robust financial performance and strategic initiatives that contributed to growth. The company emphasized its commitment to enhancing shareholder value and navigating market challenges effectively. Key metrics showcased an upward trend in profitability and operational efficiency, reinforcing CPF's competitive positioning in the financial sector. Strong core earnings and strategic initiatives indicate significant potential for future growth and improved market performance.

4 Zacks, 7:05 AM
Central Pacific Financial (CPF) reported Q4 earnings and revenues that exceeded analysts' estimates, showcasing strong financial performance. The bank's results reflect effective management strategies and a robust operational framework, contributing to positive investor sentiment. This performance positions CPF favorably in the competitive banking landscape. Strong earnings and revenue growth can significantly influence investor sentiment and the company's market position.

4 Associated Press Finance, 5:47 AM
Central Pacific Financial reported its Q4 earnings, highlighting a notable increase in net income compared to the previous year. The bank's total assets grew, driven by strong loan demand and improved deposit levels. The earnings per share exceeded analysts' expectations, reflecting effective cost management and strategic growth initiatives. The company remains optimistic about future performance, citing a robust economic environment and plans for expansion. Significant growth in net income and assets indicates a strong strategic position and potential for future performance enhancement.

3 ZacksZacksZacksZacksZacksZacksZacks, 9:30 AM
Central Pacific Financial (CPF) reported its Q4 earnings, revealing key metrics that were compared against Wall Street estimates. The results highlighted the company's financial performance and provided insights into its operational efficiency and market positioning. Analysts noted specific areas of strength and weakness, influencing investor sentiment and expectations for future performance. The earnings report indicates moderate influences on financial performance and market sentiment.

21 Jan

4 Zacks, 10:00 AM
Central Pacific Financial (CPF) is expected to see earnings growth, driven by strong loan demand and improved net interest margins. Analysts are optimistic about the company's performance, citing effective cost management and strategic initiatives. The positive outlook suggests potential for increased investor interest and stock performance in the near future. Earnings growth driven by strong loan demand and improved margins is likely to significantly impact future performance and investor sentiment.

9 Jan

4 Simply Wall St., 12:33 PM
CPB Inc. (CPF) is highlighted as an undiscovered gem in the US market for January 2026, showcasing its potential for growth and investment opportunities. Analysts suggest that CPF's innovative strategies and market positioning could lead to significant returns for investors. The company is poised to capitalize on emerging trends and consumer demands, making it a noteworthy consideration for those looking to diversify their portfolios in the upcoming year. CPB Inc. is positioned to leverage emerging market trends, which could significantly alter its trajectory and investor sentiment.

3 Simply Wall St., 6:31 AM
CPB Inc. (CPF) is highlighted among three dividend stocks offering yields up to 12.8%. The article emphasizes the attractiveness of these high-yield investments, particularly in the current market environment, where income generation is a priority for many investors. CPB's strong dividend performance positions it as a viable option for those seeking reliable returns. High dividend yields can influence investor sentiment and financial performance, but the overall impact on CPB's trajectory is expected to be limited.

8 Dec

3 Zacks, 9:48 AM
Options traders are showing increased activity in Central Pacific Financial stock, indicating expectations of a significant price movement. The heightened trading volume in options suggests that investors are anticipating volatility, which could be driven by upcoming earnings reports or market events. Analysts are closely monitoring these developments as they may signal shifts in investor sentiment and potential impacts on the stock's performance. Increased options trading activity suggests potential volatility that may moderately influence market sentiment and stock performance.

2 Dec

3 Simply Wall St., 6:31 AM
CPB Inc. (CPF) is highlighted among three reliable dividend stocks, offering yields up to 9.9%. The article emphasizes the importance of dividend stocks for income-focused investors, particularly in uncertain market conditions. CPF's strong dividend yield positions it as an attractive option for those seeking stable returns. Investors are encouraged to consider the company's financial health and market position when evaluating dividend stocks. The focus on dividend yield indicates a moderately noticeable influence on investor sentiment and financial performance.

27 Nov

4 transcript www.fool.com, 7:01 PM
Central Pacific Financial Corporation (CPF) reported its latest earnings, highlighting key financial metrics and strategic initiatives. The company showcased growth in net income and improvements in loan and deposit balances. Management discussed future plans, including investments in technology and customer service enhancements, aimed at driving further growth. The earnings call also addressed market conditions and competitive positioning, providing insights into the bank's operational strategies moving forward. Significant strategic initiatives and growth metrics indicate a likely positive shift in the company's trajectory and investor sentiment.

4 Simply Wall St., 6:33 AM
CPB Inc. (CPF) is highlighted as one of the top three undiscovered gems in the US market, showcasing promising potential for growth. The article emphasizes the company's innovative strategies, strong financials, and market positioning that could lead to significant returns for investors. Analysts suggest that CPF's unique offerings and expansion plans make it a compelling investment opportunity, especially as market dynamics shift in favor of its sector. Significant strategic moves and market positioning are expected to alter the company's trajectory positively.

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