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Central Pacific Financial Corp. CPF | NYSE

$36.54 $0.44 | 1.22%
TREND SIGNAL:Signal available — unlock to view |2026-08-20

Next Earnings: Oct 28, 2026

Company Overview:

Market Cap: $950.01M
Trailing PE: 11.7x
FWD PE *: 10.8x
Payout Ratio (TTM): 36.0%
52-Week Range: $27.38 - $40.99

* Forward PE is based on street estimates.

10 Year CPF Performance Metrics:

Total Return (with DRIP): 119.9% (8.20% CAGR)
Total Return (no DRIP): 87.4% (6.48% CAGR)
Share Price: 48.6% (4.04% CAGR)
Yield on Cost (with DRIP): 7.22%
Total Invested: $10,000
Total Value (with DRIP): $21,990
Total Return $ (with DRIP): $11,990
Dividend Increase: 81.3% (6.29% CAGR)
Dividend Yield (FWD): 3.28% ($1.20)
CPF 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
CPF Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
CPF Price CAGR:1Y: 32.44%2Y: 10.90%5Y: 7.23%10Y: 4.04%
CPF Dividend Charts
CPF - Dividends
CPF Dividend CAGR:1Y: 11.11%2Y: 7.42%5Y: 3.71%10Y: 6.49%
CPF - Dividend Payout Ratio
CPF Dividend Payout Ratio CAGR:1Y: -9.36%2Y: -9.85%5Y: -0.06%10Y: 0.07%
CPF - Dividend to Free Cash Flow Ratio
CPF Dividend to FCF Ratio CAGR:1Y: -18.64%2Y: -25.48%5Y: -1.86%10Y: 0.53%

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CPF Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CPF - Revenue
CPF Revenue CAGR:1Y: -15.17%2Y: -6.13%5Y: 4.57%10Y: 4.24%
CPF - Earnings Per Share (EPS)
CPF EPS CAGR:1Y: 17.65%2Y: 17.44%5Y: 3.92%10Y: 7.45%
CPF - Net Income
CPF Net Income CAGR:1Y: 13.96%2Y: 14.74%5Y: 2.16%10Y: 5.55%
CPF - EBITDA
CPF EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CPF - Free Cash Flow
CPF Free Cash Flow CAGR:1Y: 26.96%2Y: 38.79%5Y: 4.03%10Y: 5.07%
CPF - Free Cash Flow / Share
CPF Free Cash Flow / Share CAGR:1Y: 32.03%2Y: 41.58%5Y: 5.71%10Y: 6.95%
CPF - Operating Income
CPF Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CPF - Gross Profit
CPF Gross Profit CAGR:1Y: -63.98%2Y: -37.00%5Y: -17.03%10Y: -7.14%
CPF - Shares Outstanding
CPF Shares Outstanding CAGR:1Y: -3.80%2Y: -1.87%5Y: -1.71%10Y: -1.79%
CPF - Share Buybacks
CPF Share Buybacks CAGR:1Y: 391.46%2Y: 0.00%5Y: 23.96%10Y: 8.13%
CPF - Stock-Based Comp
CPF Stock-Based Comp CAGR:1Y: 105.15%2Y: 53.49%5Y: 39.43%10Y: 0.00%
CPF - Expenses
CPF Expenses CAGR:1Y: -3.80%2Y: -35.89%5Y: -19.90%10Y: 2.32%
CPF - Revenue by Segment
CPF Revenue CAGR:1Y: -15.17%2Y: -6.13%5Y: 4.57%10Y: 4.24%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CPF - REVENUE: Actual + Estimates
CPF Actual Revenue CAGR:1Y: -15.17%2Y: -6.13%5Y: 4.57%10Y: 4.24%
CPF - EPS: Actual + Estimates
CPF Actual EPS CAGR:1Y: 17.65%2Y: 17.44%5Y: 3.92%10Y: 7.45%
CPF - NET INCOME: Actual + Estimates
CPF Actual Net Income CAGR:1Y: 13.96%2Y: 14.74%5Y: 2.16%10Y: 5.55%
CPF - EBITDA: Actual + Estimates
CPF Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

CPF - Net Profit Margin
CPF Net Profit Margin CAGR:1Y: 143.87%2Y: 64.65%5Y: 10.07%10Y: 7.47%
CPF - Gross Profit Margin
CPF Gross Profit Margin CAGR:1Y: -22.92%2Y: -9.58%5Y: -10.60%10Y: -5.45%
CPF - Price to Earnings
CPF Price to Earnings CAGR:1Y: 15.84%2Y: 14.06%5Y: 4.01%10Y: -2.32%
CPF - Price To Sales Ratio
CPF Price To Sales Ratio CAGR:1Y: 180.39%2Y: 87.71%5Y: 14.45%10Y: 4.96%
CPF - Return on Capital Employed
CPF Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CPF - Return on Invested Capital
CPF Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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CPF Dividends Info:

Annual Dividend: $1.2
Forward Yield: 3.28%
Ex-Dividend Date: 2026-08-31
Lifetime Dividends / Share: $172.82

CPF Dividend History: Dates, Payments & Yield list

Below is a schedule of all CPF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
08/31/202609/15/2026$0.3003.22%3.19%$37.58
05/29/202606/15/2026$0.2903.38%3.22%$36.02
02/27/202603/16/2026$0.2903.64%3.79%$30.63
11/28/202512/15/2025$0.2803.77%3.44%$32.56
08/29/202509/15/2025$0.2703.45%3.54%$30.50
05/30/202506/16/2025$0.2704.04%4.15%$26.01
02/28/202503/17/2025$0.2703.72%3.99%$27.10
11/29/202412/16/2024$0.2603.26%3.37%$30.90
08/30/202409/16/2024$0.2603.78%3.75%$27.70
05/31/202406/17/2024$0.2605.13%5.14%$20.25
05/30/202406/17/2024$0.2605.08%5.14%$20.25
02/28/202403/15/2024$0.2605.67%5.57%$18.68
11/29/202312/15/2023$0.2605.94%5.33%$19.51
08/30/202309/15/2023$0.2606.16%6.22%$16.71
05/30/202306/15/2023$0.2607%6.25%$16.64
02/27/202303/15/2023$0.2604.61%5.36%$19.39
11/29/202212/15/2022$0.2605%5.46%$19.04
08/30/202209/15/2022$0.2604.73%4.6%$22.61
05/27/202206/15/2022$0.2604.34%4.71%$22.06
02/25/202203/15/2022$0.2603.59%3.73%$27.85
11/29/202112/15/2021$0.2503.7%3.69%$27.07
08/30/202109/15/2021$0.2403.81%4.04%$23.78
05/27/202106/15/2021$0.2403.48%3.49%$27.51
02/25/202103/15/2021$0.2303.99%3.49%$26.35
11/27/202012/15/2020$0.2305.25%4.92%$18.69
08/28/202009/15/2020$0.2305.83%6.22%$14.79
05/28/202006/15/2020$0.2305.59%5.48%$16.80
02/27/202003/16/2020$0.2303.68%6%$15.34
11/27/201912/16/2019$0.2303.15%3.07%$29.98
08/29/201909/16/2019$0.2303.32%3.17%$29.04
05/30/201906/17/2019$0.2303.27%3.24%$28.36
02/27/201903/15/2019$0.2102.88%2.93%$28.69
11/29/201812/17/2018$0.2103.05%3.32%$25.27
08/30/201809/17/2018$0.2102.97%3.04%$27.59
05/30/201806/15/2018$0.2102.82%2.87%$29.22
02/27/201803/15/2018$0.1902.68%2.6%$29.21
11/29/201712/15/2017$0.1802.2%2.37%$30.41
08/29/201709/15/2017$0.1802.49%2.45%$29.36
05/26/201706/15/2017$0.1802.35%2.23%$32.33
02/24/201703/15/2017$0.1602.02%2.09%$30.55
11/28/201612/15/2016$0.1602.17%2.07%$30.85
08/29/201609/15/2016$0.1602.52%2.55%$25.10
05/26/201606/15/2016$0.1402.38%2.4%$23.31
02/25/201603/15/2016$0.1402.8%2.67%$20.99
11/25/201512/15/2015$0.4607.89%8.55%$21.51
08/27/201509/15/2015$0.1202.35%2.26%$21.27
05/27/201506/15/2015$0.1202.04%2.09%$23.01
02/25/201503/16/2015$0.1202.09%1.91%$25.11
08/27/201409/15/2014$0.1002.28%2.17%$18.46
05/28/201406/16/2014$0.0801.7%1.61%$19.93
02/26/201403/17/2014$0.0801.62%1.6%$19.94
11/26/201312/16/2013$0.0801.61%1.62%$19.75
08/28/201309/16/2013$0.0801.88%1.86%$17.16
11/19/200812/19/2008$2.0003.64%4.02%$199.20
08/13/200809/19/2008$2.0003.51%1.93%$415.00
05/14/200806/13/2008$5.0006.28%8.24%$242.60
02/13/200803/14/2008$5.0004.68%5.35%$373.60
11/14/200712/21/2007$5.0004.83%5.05%$396.40
08/15/200709/21/2007$5.0003.43%3.15%$635.60
05/16/200706/15/2007$4.8002.83%2.78%$691.80
02/14/200703/16/2007$4.8002.43%2.69%$713.00
11/15/200612/15/2006$4.6002.43%2.43%$758.60
08/16/200609/15/2006$4.6002.56%2.47%$745.80
05/17/200606/16/2006$4.2002.26%2.19%$767.00
02/15/200603/17/2006$4.2002.34%2.39%$703.80
11/16/200512/16/2005$3.8002.1%2.02%$753.00
08/17/200509/16/2005$3.8002.22%2.15%$708.00
05/18/200506/17/2005$3.8002.16%2.03%$747.00
02/16/200503/18/2005$3.2001.73%1.87%$685.80
11/17/200412/17/2004$3.2001.97%1.79%$716.00
08/18/200409/17/2004$3.2002.33%2.29%$560.00
05/19/200406/18/2004$3.2002.8%2.56%$500.40
02/18/200403/19/2004$3.2002.43%2.29%$558.20
12/29/200301/30/2004$3.2002.1%2.35%$545.00
09/26/200310/24/2003$3.2002.63%2.56%$500.00
06/26/200307/25/2003$3.2002.26%2.5%$512.40
03/27/200304/25/2003$3.2002.47%2.56%$500.00
12/27/200201/24/2003$2.2001.61%1.56%$565.00
09/26/200210/25/2002$2.0001.78%1.59%$504.10
06/26/200207/26/2002$2.0001.78%2.16%$370.00
03/26/200204/26/2002$1.8002.1%1.89%$380.50
12/27/200101/25/2002$1.8002.34%2.24%$321.50
09/26/200110/26/2001$1.7002.22%2.2%$308.60
06/27/200107/27/2001$1.6002.35%2.14%$299.00
03/28/200104/27/2001$1.6002.35%2.27%$282.50
12/27/200001/26/2001$1.6002.32%2.3%$278.75
09/27/200010/27/2000$1.5002.41%2.4%$250.00
06/28/200007/28/2000$1.5002.39%2.49%$241.25
03/29/200004/28/2000$1.5002.5%2.41%$248.75
12/29/199901/21/2000$1.4001.95%2.14%$261.88
09/28/199910/15/1999$1.4002.48%2.39%$234.38
06/28/199907/16/1999$1.4002.55%2.23%$251.25
03/29/199904/16/1999$1.3002.91%2.93%$177.50
12/29/199801/22/1999$1.3003.04%3.04%$171.25
09/28/199810/16/1998$1.3003.28%3.25%$160.00
06/26/199807/17/1998$1.3003.2%2.82%$184.38
03/27/199804/17/1998$1.3002.74%2.74%$190.00
12/29/199701/23/1998$1.3002.52%2.62%$198.75
09/26/199710/17/1997$1.2002.18%2.18%$220.63
06/26/199707/18/1997$1.2002.63%2.69%$178.13
03/26/199704/18/1997$1.2002.82%2.8%$171.25
12/27/199601/17/1997$1.2003.31%3.34%$143.75
09/26/199610/18/1996$1.2003.31%3.25%$147.50
06/26/199607/19/1996$1.2003.04%3.31%$145.00
03/27/199604/19/1996$1.2003.2%2.94%$163.13
12/27/199501/19/1996$1.2002.91%3.06%$156.88
09/27/199510/20/1995$1.2002.83%2.84%$168.75
06/28/199507/21/1995$1.1003.45%3.2%$137.50
03/27/199504/21/1995$1.1003.71%3.45%$127.50
12/23/199401/20/1995$1.1003.45%3.67%$120.00
09/26/199410/21/1994$1.1003.38%3.38%$130.00
06/24/199407/22/1994$1.1003.26%3.26%$135.00
03/25/199404/22/1994$1.1003.47%3.52%$125.00
12/23/199301/21/1994$1.1003.49%3.32%$132.50
09/24/199310/22/1993$1.1003.45%3.34%$131.88
06/24/199307/16/1993$1.1003.42%3.52%$125.00
03/25/199304/16/1993$1.1003.09%2.98%$147.50
12/24/199201/15/1993$1.0002.91%2.94%$136.25
09/24/199210/16/1992$1.0003.44%3.37%$118.75
06/24/199207/17/1992$1.0003.23%3.11%$128.75
03/25/199204/17/1992$1.0003.08%3.23%$123.75
12/24/199101/17/1992$0.9003.1%2.8%$128.75
09/30/199110/18/1991$0.9003.24%3.47%$103.75
06/24/199107/19/1991$0.9002.88%3.03%$118.75
03/22/199104/19/1991$0.8003.24%3.01%$106.25
12/24/199012/26/1990$0.8003.66%3.88%$82.50
09/24/199010/19/1990$0.8003.56%3.76%$85.00
06/25/199007/20/1990$0.7002.55%2.43%$115.00
03/26/199004/20/1990$0.7002.57%2.64%$106.25
12/22/198901/19/1990$0.6002.09%2.11%$113.75
09/25/198910/20/1989$0.6001.9%1.9%$126.25
07/06/198907/21/1989$0.5001.83%1.82%$110.00
04/03/198904/21/1989$0.5001.63%1.84%$108.75
12/30/198801/20/1989$0.5002.29%2.16%$92.50
10/03/198810/21/1988$0.4382.26%2.19%$80.00
07/01/198807/22/1988$0.4382.5%2.64%$66.25
04/04/198804/22/1988$0.4383.29%3.04%$57.50
01/04/198801/22/1988$0.8135.91%5.91%$55.00

Projected Future Returns & Dividends for CPF

Based on past 10-year performance, here are CPF growth metrics:

Share price CAGR of +4.04%
Dividend CAGR of +6.49%

Using CPF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

CPF (DRIP)CPF - No DRIP
Current Price$36.54$36.54
Start Shares273.67273.67
Start Value$10,000$10,000
  
After 10 years:
Final Share Count393.76273.67
Dividends Payment$0.56$0.56
Annual Dividends$886$616
Yield on cost8.86%6.16%
Share Price$54.30$54.30
Total Dividends$5,380$4,429
Final Value$21,380$19,289

Estimated Future Value + Dividends - CPF

NOTE: Above numbers are our estimate based on CPF's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Central Pacific Financial Corp. (CPF) had its IPO on 1987-08-28, and is traded on NYSE stock exchange.

Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.

CPF website: https://www.cpb.bank


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Loading signals…

DCF Model — CPF

Value from:
Pay up to today
—
vs current price $36.54
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →