US · CPF
Central Pacific Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Honolulu, HI 96813
- Website
- cpb.bank
Price · as of 2025-12-31
$33.70
Market cap 853.8M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $29.07 | -13.74% |
| Intrinsic Value(DCF) | $42.45 | +25.96% |
| Graham-Dodd Method(GD) | $36.72 | +8.96% |
| Graham Formula(GF) | $41.38 | +22.78% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.56 | $79.28 | $22.92 | $17.81 | $0.49 |
| 2012 | $10.35 | $46.81 | $28.63 | $17.78 | $6.85 |
| 2013 | $12.97 | $43.28 | $30.72 | $33.83 | $45.11 |
| 2014 | $16.36 | $49.85 | $28.34 | $15.23 | $6.73 |
| 2015 | $14.60 | $39.14 | $32.42 | $10.29 | $11.30 |
| 2016 | $21.45 | $43.49 | $36.40 | $14.85 | $20.44 |
| 2017 | $21.09 | $38.96 | $39.54 | $12.71 | $19.84 |
| 2018 | $21.11 | $38.65 | $44.90 | $14.52 | $32.31 |
| 2019 | $17.47 | $35.94 | $38.72 | $15.25 | $38.57 |
| 2020 | $21.63 | $21.89 | $33.87 | $12.25 | $10.54 |
| 2021 | $23.31 | $24.99 | $46.30 | $19.76 | $25.38 |
| 2022 | $17.59 | $26.31 | $36.58 | $14.41 | $38.97 |
| 2023 | $17.96 | $23.42 | $25.99 | $13.89 | $49.62 |
| 2024 | $26.20 | $25.66 | $27.35 | $14.17 | $28.51 |
| 2025 | $32.27 | $29.07 | $34.13 | $36.72 | $41.38 |
AI valuation
Our deep-learning model estimates Central Pacific Financial Corp.'s (CPF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $29.07
- Current price
- $33.70
- AI upside
- -13.74%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$42.45
+25.96% upside
Graham-Dodd
$36.72
+8.96% upside
Graham Formula
$41.38
+22.78% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CPF | Central Pacific Financial… | $33.70 | 853.8M | -14% | +26% | +9% | +23% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| AMAL | Amalgamated Financial Cor… | $38.49 | 1.15B | +2% | +44% | -14% | +93% | 8.32 | 1.25 | 2.03 | -3.12 | 41.01 | 1.28 | 70.33% | 33.38% | 24.45% | 16.46% | -16.33% | 1.31% | 0.47 | 1.22 | 0.24 | 0.24 | 1.81 | 2028.00% | 1382.00% | 565.00% | 13.82% | 0.02 | -18.80% | 1.61% | 13.40% | 1.75% | -3.24 | -3.85 | -1.08 | -0.53 |
| BFST | Business First Bancshares… | $27.30 | 808.5M | +103% | -52% | +51% | +112% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| CFFN | Capitol Federal Financial… | $7.18 | 943.73M | +263% | -41% | -23% | +29% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| EQBK | Equity Bancshares, Inc. | $44.88 | 856.15M | +122% | +312% | +5% | +360% | 9.78 | 1.03 | 1.88 | -2.95 | 1.40 | 1.17 | 66.66% | 23.97% | 19.18% | 11.98% | -17.14% | 1.21% | 0.53 | 0.71 | 0.28 | 0.28 | -0.80 | 70000.00% | 4533.00% | 822.00% | 10.67% | 0.02 | -17.89% | 1.29% | 12.60% | 17.58% | -3.34 | -4.00 | -0.80 | -0.48 |
| FSBC | Five Star Bancorp | $38.93 | 832.17M | +61% | +95% | -9% | +106% | 13.50 | 1.87 | 3.26 | 11.10 | 47.67 | 1.87 | 58.22% | 32.78% | 24.11% | 14.63% | 21.76% | 1.40% | 0.22 | 0.86 | 0.14 | 0.00 | 1.17 | 2832.00% | 2039.00% | 4194.00% | 8.73% | 0.02 | 25.64% | 0.00% | 0.00% | 0.00% | 11.10 | 12.80 | 3.64 | -0.49 |
| HAFC | Hanmi Financial Corporati… | $26.11 | 782.13M | -21% | -14% | -13% | +13% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| HBT | HBT Financial, Inc. | $26.96 | 847.4M | +167% | -19% | +11% | -2% | 11.23 | 1.40 | 2.95 | 0.84 | 140.99 | 1.60 | 80.03% | 35.63% | 26.25% | 13.28% | 46.33% | 1.52% | 0.11 | 1.84 | 0.28 | 0.28 | 0.37 | 796.00% | 284.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 0.88 | — | 0.32 | -0.17 |
| HFWA | Heritage Financial Corpor… | $26.41 | 896.8M | +53% | -6% | -41% | +4% | 13.31 | 0.98 | 2.68 | 3.53 | 22.92 | 1.32 | 72.43% | 23.15% | 20.10% | 7.57% | 19.35% | 0.96% | 0.05 | 0.87 | 1.18 | 1.18 | -0.13 | 5806.00% | 592.00% | -4874.00% | 3.48% | 0.01 | 9.06% | 3.63% | 48.30% | 37.42% | 3.61 | 8.99 | 0.84 | 0.40 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
About Central Pacific Financial Corp.
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 offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
- CEO
- Arnold D. Martines
- Employees
- 697
- Beta
- 0.94
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($42.45 ÷ $33.70) − 1 = +25.96% (DCF, example).