Central Pacific Financial Corp (CPF) stock
CPFNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 28, 2026Score 16/3014% above fair value
$38.81−0.18 (-0.46%)
Close on Nov 12, 2026Market cap $987.47MP/E 11.7Yield 2.81%
Central Pacific Financial statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 27, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.70
- 1.52
- P/OCF Ratio
- 8.91
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 11.91
- 2.95
- EV / FCF
- 6.00
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -3.15%
- 0.35%
- Shares Change (QoQ)
- -1.14%
- 0.00%
- Float
- 23M
- 17M
- Shares Held by Insiders
- 11.1%
- 6.05%
- Shares Held by Institutions
- 96.2%
- 61.3%
Short sellingIndustry
- Short Interest
- 868,185
- –
- Short Interest Change
- -1.63%
- -4.13%
- Short % of Float
- 3.84%
- 3.58%
- Short % of Shares Outstanding
- 3.41%
- 3.18%
- Days to Cover
- 5.68
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $40.99
- –
- 52-Week Low
- $28.44
- –
- 20-Day Moving Average
- $38.07
- –
- 50-Day Moving Average
- $37.27
- –
- 200-Day Moving Average
- $35.73
- –
- Average True Range (14)
- $0.88
- –
- Price Change (1 Week)
- 0.99%
- 0.47%
- Price Change (1 Month)
- 9.60%
- 4.83%
- Price Change (3 Months)
- 0.28%
- -3.58%
- Price Change (6 Months)
- 13.5%
- 10.8%
- Price Change (YTD)
- 24.6%
- 19.6%
- Price Change (1 Year)
- 31.1%
- 25.4%
- Price Change (3 Years)
- 133.7%
- 76.7%
- Price Change (5 Years)
- 36.0%
- 26.5%
- Price Change (10 Years)
- 30.9%
- 67.0%
- Average Volume (10 Days)
- 167,074
- –
- Average Volume (20 Days)
- 159,424
- –
- Average Volume (90 Days)
- 159,654
- –
- Relative Volume
- 0.76
- 0.66
- Relative Strength Index (14)
- 58.5
- 52.6
- Volatility (1 Year)
- 22.0%
- 24.4%
- Beta (5 Years)
- 0.73
- 0.63
MarginsIndustry
- Pretax Margin
- 212.7%
- 36.9%
- FCF Margin
- 198.4%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.9%
- 10.8%
- Return on Assets (ROA)
- 1.17%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 31.1%
- 11.8%
- Net Income Growth (YoY)
- 32.2%
- 22.7%
- EPS Growth (YoY)
- 36.2%
- 21.6%
- FCF Growth (YoY)
- 5.93%
- 27.5%
- Revenue Growth (3Y CAGR)
- 2.64%
- 5.82%
- Revenue Growth (5Y CAGR)
- 16.8%
- 6.17%
- EPS Growth (3Y CAGR)
- 2.19%
- 1.31%
- EPS Growth (5Y CAGR)
- 16.7%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.01
- 0.04
- Revenue Per Employee
- $69.14K
- $359.04K
- Profits Per Employee
- $114.28K
- $110.51K
- Employee Count
- 763
- 492
- WACC
- 8.62%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $112.19M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $359.42M
- $166.15M
- Net Cash Per Share
- $14.13
- $8.19
- Equity (Book Value)
- $581.44M
- $570.13M
- Book Value Per Share
- $22.85
- $28.22
- Tangible Book Value
- $581.44M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$6.18M
- -$4.27M
- FCF Per Share
- $4.11
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 8.83%
- 8.32%
- FCF Yield
- 10.6%
- 9.23%
- Dividend Yield
- 2.81%
- 2.44%
- Shareholder Yield
- 2.81%
- 3.22%
- Dividend Per Share
- $1.09
- $0.92
- Dividend Growth (YoY)
- 4.81%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 34.7%
- 29.0%
- FCF Payout Ratio
- 28.9%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $24.99M
- $16.14M
- Effective Tax Rate
- 22.3%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $41.25
- $45.31
- Graham Upside
- 6.30%
- 18.8%
- Altman Z-Score
- 0.14
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $55.35
- –
- Lynch Upside
- 42.6%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | CPF | S&P 500 | Difference | CPF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +8.3% | -2.7% | +11.0 pts | ||
| 3 months | +1.1% | -1.7% | +2.8 pts | ||
| Year to date | +27.7% | +11.9% | +15.8 pts | ||
| 1 year | +36.1% | +12.0% | +24.2 pts | ||
| 3 years | +161.4% | +78.2% | +83.2 pts | +37.7% | +21.2% |
| 5 years | +69.2% | +73.2% | −4.1 pts | +11.1% | +11.6% |
| 10 years | +92.1% | +309.6% | −217.5 pts | +6.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M CPF shares were sold short on Oct 30, 2026, down 1.6% from the previous report, or 3.84% of the shares available to trade. At recent volumes it would take 5.7 days to buy them back. Over the last 20 sessions, 54.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 868,185 | -1.6% | 152,871 | 5.7 |
| Oct 15, 2026 | 882,594 | +0.2% | 144,928 | 6.1 |
| Sep 30, 2026 | 880,708 | +25.7% | 221,663 | 4.0 |
| Sep 15, 2026 | 700,583 | +12.3% | 138,935 | 5.0 |
| Aug 31, 2026 | 623,978 | +3.4% | 153,663 | 4.1 |
| Aug 14, 2026 | 603,235 | +4.7% | 146,670 | 4.1 |
| Jul 31, 2026 | 576,110 | -11.1% | 165,787 | 3.5 |
| Jul 15, 2026 | 648,062 | -2.2% | 120,345 | 5.4 |
| Jun 30, 2026 | 662,564 | +12.2% | 231,169 | 2.9 |
| Jun 15, 2026 | 590,510 | +9.4% | 117,847 | 5.0 |
| May 29, 2026 | 539,732 | +0.6% | 128,745 | 4.2 |
| May 15, 2026 | 536,345 | +1.0% | 120,746 | 4.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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