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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. In the quarter to June 2026, revenue grew 2.39%, EPS grew 17.7%, free cash flow grew 23.9% and total debt fell 41.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.

36.48 0.38 +1.05%
Market cap
$929.5M
P/E
11.6×
Fwd P/E
10.8×
Dividend yield
3.18%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.61%

Capital & Financial Ratios $m

Market Cap 929.49
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 11.62
Fwd P/E 10.80
P/S ratio 2.57
P/B ratio 1.59
Past 5Y EPS Growth 16.72% (at or above 15%: strong)
This Y EPS Growth 14.48%
Next Y EPS Growth 9.59%
Next Y revenue growth (16.47%) (below 0%: weak)
Next 5Y EPS Growth 9.45%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 36.60%
10-year low 10-year high
P/S against its own 10 years 47.92%
10-year low 10-year high
P/B against its own 10 years 71.84%
10-year low 10-year high

Dividends

Payout Ratio 0.37
Annual Dividend Rate 1.16
Annual Dividend Yield 3.18%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.18
0.29
0.29
0.30
2025 1.09
0.27
0.27
0.27
0.28
2024 1.04
0.26
0.26
0.26
0.26
2023 1.04
0.26
0.26
0.26
0.26
2022 1.04
0.26
0.26
0.26
0.26
2021 0.96
0.23
0.24
0.24
0.25
2020 0.92
0.23
0.23
0.23
0.23
2019 0.90
0.21
0.23
0.23
0.23
2018 0.82
0.19
0.21
0.21
0.21
2017 0.70
0.16
0.18
0.18
0.18
2016 0.60
0.14
0.14
0.16
0.16
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 522 381 379 383
Receivables — — — —
Inventory — — — —
Other — — — —
5,921 5,684 5,633 5,657
2023 2024 2025 Q'26
Payables 6,848 6,644 6,610 6,696
ST’ Debt — — — —
Other — — — —
6,867 6,654 6,617 6,702

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%

Revenue $m

Mar Jun Sep Dec Year
’26 89 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 — — —
’25 20 35 21 21 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 — — —
’25 20 33 21 19 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.

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
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 18.47 27.34 23.23 24.02 12.40 18.31 18.59 13.22 18.00 23.16

Analyst estimates 2026–2028

Powerpack
High 31.99 33.55 31.61 30.82 29.63 29.15 30.97 24.55 33.25 33.35
People
People Employees 837 838 844 854 822 820 781 737 741 763
Revenue/emp, $m 0.25 0.26 0.28 0.30 0.31 0.32 0.36 0.45 0.47 0.48
Income, $m
Income, $m Revenue 209 219 237 258 258 262 281 329 345 366
Gross margin, % 95.61 93.22 89.33 87.49 94.28 97.05 93.91 77.94 72.63 79.98
EBT 73 76 78 78 49 106 99 77 68 98
EBT margin, % 34.98 34.60 33.00 30.18 19.03 40.35 35.20 23.33 19.73 26.85
Net income 47 41 59 58 37 80 74 59 53 77
Depreciation 27 23 21 18 22 20 13 11 11 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
Earnings 1.52 1.36 2.02 2.05 1.33 2.85 2.70 2.17 1.97 2.88
Cash flow 2.47 3.18 3.52 2.53 2.74 3.95 4.17 3.89 3.35 3.62
Capex (0.05) (0.21) (0.11) (0.25) (0.93) (0.79) (0.67) (0.24) (0.56) (0.19)
Free cash flow 2.41 2.97 3.41 2.28 1.81 3.15 3.49 3.65 2.79 3.43
Book value 16.28 16.45 16.72 18.55 19.47 19.94 16.53 18.64 19.90 22.00
Shares, m 31 30 29 28 28 28 27 27 27 27
Valuation, ×
Valuation, × P/E 20.51 22.10 12.05 14.50 14.40 9.92 7.58 9.06 14.75 10.78
P/S 4.61 4.14 3.02 3.26 2.07 3.01 1.99 1.62 2.28 2.29
P/B 1.92 1.81 1.46 1.59 0.98 1.41 1.23 1.06 1.46 1.42
EV/Sales 4.65 4.19 3.10 3.20 2.08 2.16 1.97 0.51 1.63 1.47
EV/FCF 13.02 10.16 7.34 12.72 10.53 6.40 5.77 1.70 7.44 5.82
Cash, $m
Cash, $m Operating cash flow 76 97 103 72 77 110 114 105 91 97
Capex (2) (7) (3) (7) (26) (22) (18) (6) (15) (5)
Free cash flow 75 90 100 65 51 88 96 99 75 92
Balance, $m
Balance, $m Working capital (1,143) (1,153) (987) (725) (796) (1,256) (1,121) (946) (970) (984)
Total debt 93 93 122 102 105 106 106 156 156 77
Net debt 8 10 20 (16) 1 (223) (6) (366) (225) (302)
Shareholders’ equity 505 500 492 529 547 558 453 504 538 593
Returns, %
Returns, % ROA 0.89 0.75 1.04 0.99 0.59 1.14 1.00 0.78 0.71 1.04
ROIC 8.92 9.28 9.56 9.51 5.59 19.71 13.82 34.92 13.55 21.15
ROE 9.40 8.20 12.00 11.43 6.93 14.46 14.62 12.27 10.25 13.70
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CAC Camden National Corporation $944.0M 10.7× 9.4× +1.16% (above 0%: growing) +63.86% (above 0%: growing) +557.83% (above 0%: growing) 72.13% 0.00% Compare
CPF CPB Inc. $929.5M 11.6× 10.8× +2.39% (above 0%: growing) +17.65% (above 0%: growing) +23.90% (above 0%: growing) 83.01% 0.00%
TRST TrustCo Bank Corp NY $919.8M 15.0× 9.1× +6.20% (above 0%: growing) +24.05% (above 0%: growing) +2.59% (above 0%: growing) 69.96% 0.00% Compare
HAFC Hanmi Financial Corporation $917.4M 10.4× 9.6× +2.07% (above 0%: growing) +58.00% (above 0%: growing) +48.02% (above 0%: growing) 64.66% 0.00% Compare
NBBK NB Bancorp, Inc. $913.3M 14.4× 10.2× +39.49% (above 0%: growing) +35.90% (above 0%: growing) +19.91% (above 0%: growing) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $911.3M 12.6× 11.6× +24.51% (above 0%: growing) +290.91% (above 0%: growing) −3.90% (below 0%: shrinking) 70.72% 0.00% Compare
FCBC First Community Bancshares, Inc. $911.3M 15.3× 15.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
SBSI Southside Bancshares, Inc. $909.2M 12.1× 9.8× +6.52% (above 0%: growing) +25.00% (above 0%: growing) +1,301.48% (above 0%: growing) 60.49% 0.00% Compare
FMNB Farmers National Banc Corp. $900.6M 10.4× 9.4× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
Median of peers $912.3M 12.3× 9.7× +15.52% +46.95% +65.41% 70.03% 0.00%

All 323 Banks Regional stocks →

CPB Inc. (CPF) key facts

  • Strength: CPB Inc.’s revenue for fiscal 2025 (year ended December 2025) was $366.0 million, up 6.14% from fiscal 2024.
  • Strength: Net income was $77.5 million, or $2.88 per share (basic), a net margin of 21.2%.
  • CPB Inc. (CPF) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, CPF traded at $36.48, a market capitalization of $929.5 million.
  • At that price the stock trades at 11.6× trailing-twelve-month earnings and 2.6× sales; its P/E is higher than 37% of its own readings over the past ten years.
  • CPB Inc. pays an annual dividend of $1.16 per share, a yield of 3.18%, with a payout ratio of 37.2%.
  • Return on equity was 13.7% and debt-to-equity 0.13.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

CPB Inc. (CPF) Latest News

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stockrow.com/CPF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com