Central Pacific Financial Corp (CPF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Central Pacific Financial Corp stock $24.08, price $38.30, that is 37.1% below the price, quality 65 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Central Pacific Financial Corp
CPF · USOur calculation puts a fair price 37% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $11.70 – $39.99 · fair‑value band $21.07 – $30.77 · the $38.30 price screens above the $24.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States.
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The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit.
It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers.
In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services.
Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.
Stock analysis
Central Pacific Financial Corp (CPF) currently trades at $38.30, while our model-based Fair Value estimate is $24.08, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $35.76 per share, and 1 of the 6 models we run sit above the $38.30 price.
Bear case: the Dividend Discount group reads lowest at $14.57, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $21.07 (bear) to $30.77 (bull), the price of $38.30 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Central Pacific Financial Corp reported revenue of $362M in FY2025 versus $260M in FY2021, a compound +8.7%/yr. Reported net income was $77.5M in FY2025, compounding −0.8%/yr from FY2021.
Key figures
Market cap $1.0B Small · P/E ratio 11.6 · P/S ratio 3.49 · EPS (TTM) $3.31 · Dividend yield 3.0% · Net margin 29.8% · Return on equity 14.9% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, CPF screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CPF screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →
Compare Central Pacific Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CPF |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CPF |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CPF |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CPF |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CPF |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CPF |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CPF |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CPF |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CPF |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CPF |
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Frequently asked questions
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Key figures of Central Pacific Financial Corp
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