profit from every $100 of sales.
$0$100
Central Pacific Financial
$38.82+0.03% today
+30.4% in 1 year
1-year low $28.531-year high $39.99
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.75 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Central Pacific Financial sold, what it kept, and what it did with the cash.
Sales went from $260 million in 2022 to $289 million in 2025, with $77.5 million of profit last year.
SalesProfit
Central Pacific Financial handed back 57% of the cash it generated last year.
Buybacks $23M$29M
Free cash flow 2025$92M
Bought back its own shares$23M
Paid as dividends$29M
Cash vs. debt$379M vs. $102M
Central Pacific Financial vs. similar companies
Central Pacific Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Central Pacific Financial | 12.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Central Pacific Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 260 | 247 | 246 | 289 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 74 | 59 | 53 | 77 | |
| 2.68 | 2.17 | 1.97 | 2.86 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.4% | 23.8% | 21.7% | 26.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 7,433 | 7,643 | 7,472 | 7,409 |
| Cash | 112 | 522 | 381 | 379 |
| Total debt | 147 | 187 | 188 | 102 |
| Total liabilities | 6,980 | 7,139 | 6,934 | 6,817 |
| 453 | 504 | 538 | 593 | |
| 28 | 27 | 27 | 27 | |
| – | – | – | – | |
| 16.3% | 11.6% | 9.9% | 13.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 114 | 105 | 91 | 97 | |
| 18 | 13 | 15 | 5 | |
| 96 | 92 | 75 | 92 | |
| Dividends paid | 29 | 28 | 28 | 29 |
| 21 | 3 | 1 | 23 | |
| 3 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.7×
- 11.9×
- 5.82
- 1.5×
- 3.4×
- 7.8%
- 3.2%
Profitability
- 26.9%
- 10.4%
- 10.1%
- 13.7%
- 1.1%
Growth
- +3.5%
- +2.2%
- +3.4%
- −1.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 23%of 848
Top 34%of 728
Top 45%of 880
Bottom 32%of 878
Top 30%of 932
What analysts expect
- Average price target
- $28.00
- Range
- $26.00 – $30.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.78 | 0.74 | +5.4% |
| Jan 28, 2026 | 0.85 | 0.73 | +16.4% |
| Oct 29, 2025 | 0.73 | 0.72 | +1.4% |
| Jul 25, 2025 | 0.67 | 0.64 | +4.7% |
| Apr 23, 2025 | 0.65 | 0.63 | +3.2% |
| Jan 29, 2025 | 0.70 | 0.61 | +14.8% |
| Oct 30, 2024 | 0.49 | 0.56 | −12.5% |
| Jul 31, 2024 | 0.58 | 0.48 | +20.8% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+3.4%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.82 in 2015 → $1.09 in 2025
How safe it looks
37.9% of its profit
Room to growStretchedMore than it earns: 31.8%
News
Dan Ives Says 'Irreplaceable' Nvidia CEO Jensen Huang Is the 'Central Nervous System' of US Tech, Says Company Has No Succession Plan Amid China Spy AllegationsYahoo Finance · Nov 13, 2026China’s central bank vows ample liquidity and yuan stability in Q3 monetary policy reportSeeking Alpha · Nov 12, 2026'The Fed put is very much back': Wall Street strategists weigh central bank's next moveYahoo Finance · Oct 31, 2026Central Pacific Financial Corp. Q3 2026 Earnings Call SummaryYahoo Finance · Oct 28, 2026Central Bancompany, Inc. GAAP EPS of $0.48 in-line, revenue of $285.7M misses by $3.23MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
69Pass
Philip Fisher
67Pass
Peter Lynch
24No pass
Joel Greenblatt
25No pass
Charlie Munger
65Pass
Terry Smith
58No pass
Questions about Central Pacific Financial
Is Central Pacific Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Central Pacific Financial AI analysis
What does Central Pacific Financial do?
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It is in Banks - Regional.
Does Central Pacific Financial pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 38% of its yearly profit. In 2025 it paid out $29.4 million in dividends.
Is Central Pacific Financial stock halal?
No. Central Pacific Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Central Pacific Financial stock done over the past year?
Up 30.4% over the past twelve months, to $38.82. It traded between $28.53 and $39.99 and is 2.9% below its high.
Who are Central Pacific Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Central Pacific Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.