Stocks · Financial Services · Banks - Regional
Central Pacific Financial Corp. CPF
$36.42 +0.97% Close, Oct 2, 2026 · NYSE · Market cap $950.6M
High qualityInexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +6.4%).
- Diluted EPS over the last four quarters was $3.12, up 39.3% year over year.
- The stock is in an uptrend: above its 200-day average for 241 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth14Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 12%
- EPS growth (TTM, YoY)Top 26%
- FCF growth (TTM, YoY)Bottom 40%
- Revenue growth, 3-year CAGRBottom 28%
- Revenue growth accelerationBottom 12%
Quality85Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 21%
- Gross marginTop 24%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverTop 43%
Value81Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 30%
- Free-cash-flow yieldTop 34%
- EBITDA / enterprise valueTop 17%
- Sales / enterprise valueTop 29%
- P/E vs own 5-year history (lower is better)Bottom 41%
Momentum61Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 29%
- 6-month returnTop 32%
- 1-year return vs S&P 500Top 30%
- Distance from 52-week highBottom 47%
- Trend checklist (0–4)Top 48%
Revisions45Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 41%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 19%
Stability71Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 28%
- Maximum drawdown, 3 yearsTop 41%
- Beta vs S&P 500 (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Top 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.7% | -9.1% | ↓ |
| EPS growth (YoY) | 40.2% | 39.3% | ↓ |
| Gross margin | 72.1% | 76.0% | ↑ |
| Operating margin | 22.2% | 25.6% | ↑ |
| FCF margin | 26.6% | 31.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -9.1% | 5.7% | ↓ | Bottom 12% |
| EPS growth (TTM, YoY) | 39.3% | 40.2% | ↓ | Top 26% |
| Gross margin | 76.0% | 72.1% | ↑ | Top 24% |
| Operating margin | 25.6% | 22.2% | ↑ | Top 39% |
| Net margin | 26.4% | 17.5% | ↑ | — |
| Free-cash-flow margin | 31.4% | 26.6% | ↑ | — |
| Return on invested capital | 7.7% | — | Top 21% | |
| Revenue growth, 3-year CAGR | 9.4% | — | Bottom 28% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.25×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +8.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.35×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.14%
- Net buyback yield (TTM)
- 4.26%
- Shareholder yield
- 7.40%
- Share count change, 1 year
- -3.2%
- Share count change, 3-year CAGR
- -1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +6.4%
- Average 2-day reaction, last 8
- -2.1%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $38.00
- Target vs current price
- +4.3%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +2.2% | -0.1% | +1.8% | -3.1% | — |
| Apr 29, 2026 | +5.4% | -1.2% | -1.5% | +0.6% | +11.7% |
| Jan 28, 2026 | +16.4% | +0.5% | +6.3% | +5.6% | +8.8% |
| Oct 29, 2025 | +1.4% | -6.4% | -4.9% | +0.7% | +4.6% |
| Jul 25, 2025 | +4.7% | -0.8% | -4.3% | +5.6% | +1.0% |
| Apr 23, 2025 | +3.2% | +1.0% | -0.6% | +4.9% | +9.8% |
| Jan 29, 2025 | -31.1% | -2.0% | +5.5% | +0.9% | -9.7% |
| Oct 30, 2024 | -12.5% | -8.2% | -5.9% | +10.6% | -2.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.80 | $0.78 | +2.2% | $77.5M |
| Apr 29, 2026 | $0.78 | $0.74 | +5.4% | $72.9M |
| Jan 28, 2026 | $0.85 | $0.73 | +16.4% | $76.3M |
| Oct 29, 2025 | $0.73 | $0.72 | +1.4% | $73.5M |
| Jul 25, 2025 | $0.67 | $0.64 | +4.7% | $71.6M |
| Apr 23, 2025 | $0.65 | $0.63 | +3.2% | $67.6M |
| Jan 29, 2025 | $0.42 | $0.61 | -31.1% | $58.4M |
| Oct 30, 2024 | $0.49 | $0.56 | -12.5% | $65.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.7× | 10.7× | 67th | Top 30% |
| P/E (forward) | 11.1× | — | — | — |
| EV / EBITDA | 7.9× | — | — | Top 17% |
| EV / Sales | 2.12× | — | — | Top 29% |
| Free-cash-flow yield | 10.38% | — | — | Top 34% |
| Earnings yield | 8.57% | — | — | Top 30% |
P/E over the past five years
Range 6.1× – 14.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +21.0%
- Earnings per share growth (TTM)
- +39.3%
- Change in P/E multiple
- +5.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 241
- 50-day average slope (20 days)
- -1.4%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -3.9%
- Distance from 200-day average
- +4.2%
- RSI (14)
- 41.6
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.85
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -8.9%
- Maximum drawdown, 3 years
- -26.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 12, 2023 | -56.2% | 332 days | 374 days (Nov 6, 2024) |
| Nov 25, 2024 | Apr 4, 2025 | -26.5% | 88 days | 177 days (Dec 17, 2025) |
| May 6, 2021 | Sep 10, 2021 | -18.5% | 88 days | 43 days (Nov 10, 2021) |
| Oct 23, 2020 | Nov 4, 2020 | -12.2% | 8 days | 3 days (Nov 9, 2020) |
| Jan 14, 2021 | Jan 27, 2021 | -12.2% | 8 days | 6 days (Feb 4, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $950.6M
- P/E (TTM)
- 11.7
- EPS, diluted (TTM)
- $3.12
- Revenue (TTM)
- $314.8M
- Dividend yield
- 3.19%
- 52-week range
- $27.38 – $40.99
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $259.9M | $277.0M | $319.6M | $340.5M | $362.3M |
| Gross profit | $267.0M | $261.5M | $231.7M | $236.5M | $275.8M |
| Operating income | $105.7M | $98.8M | $76.8M | $68.0M | $100.7M |
| Net income | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| EPS (diluted) | $2.83 | $2.68 | $2.17 | $1.97 | $2.87 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $89.4M | $80.0M | $87.1M | $89.9M | $92.2M | $93.1M | $87.5M | $42.0M |
| Net income | $13.3M | $11.3M | $17.8M | $18.3M | $18.6M | $22.9M | $20.7M | $20.8M |
| EPS (diluted) | $0.49 | $0.42 | $0.65 | $0.68 | $0.69 | $0.85 | $0.78 | $0.80 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $110.5M | $114.1M | $105.1M | $90.5M | $97.5M |
| Capital expenditure | -$22.2M | -$18.4M | -$12.7M | -$15.1M | -$5.2M |
| Free cash flow | $88.3M | $95.7M | $92.5M | $75.4M | $92.3M |
| Dividends paid | -$27.0M | -$28.5M | -$28.1M | -$28.1M | -$29.4M |
| Net share buybacks | -$17.4M | -$20.1M | -$2.6M | -$945,000 | -$23.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.76B
- Total assets
- $7.50B
- Total liabilities
- $6.90B
- Total debt
- $100.6M
- Net debt
- -$282.7M
- Shareholders’ equity
- $596.3M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 31, 2026 | $0.30 | Sep 15, 2026 |
| May 29, 2026 | $0.29 | Jun 15, 2026 |
| Feb 27, 2026 | $0.29 | Mar 16, 2026 |
| Nov 28, 2025 | $0.28 | Dec 15, 2025 |
| Aug 29, 2025 | $0.27 | Sep 15, 2025 |
| May 30, 2025 | $0.27 | Jun 16, 2025 |
| Feb 28, 2025 | $0.27 | Mar 17, 2025 |
| Nov 29, 2024 | $0.26 | Dec 16, 2024 |
Short interest
- Shares sold short
- 700,583
- Days to cover
- 5.04
- Change vs previous report
- +12.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 3, 2011
- 1-for-20
- Nov 12, 2002
- 2-for-1
- Nov 17, 1997
- 2-for-1
- Feb 21, 1989
- 2-for-1
- Dec 30, 1988
- 11-for-10