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Central Pacific Financial Corp.
NYSE: CPF Financials Bank 🔎 Screen
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High | BRS 73 Forming View all →
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$1.0B
Market Cap
10.9
P/E
2.09
PEG
ROCE
13.7%
ROE
0.18
D/E
OPM
-4.6%
% from 52W High
71
α RS
🔍 CPF is showing a near-52W-high setup because it's within 4.6% of its 52-week high, it matches 2 of 39 tracked screener presets, and RS Rating is 71. Net: Broad signal stack, not a recommendation. ? 52W High Conviction RS Rating
Sources
4.6% from 52W high · Conviction 2/39 · RS Rating 71
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🌏 Global Investor Returns
Currency-adjusted total returns for CPF including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

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. 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.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding CPF
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 559.4K $17.9M 0.03% Mar 2026
Steve Cohen Point72 Asset Management 12.0K $384K 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-24
Q2 saw strong profitability, 19% EPS growth year-over-year, and stable asset quality, with net interest margin expanding to 3.57%. Loan and deposit growth are expected to remain in the low single digits, while capital returns and technology investments continue to support long-term value.
Q1 2026 Q1 2026 2026-04-29
Q1 2026 saw strong earnings, loan and deposit growth, and robust credit quality, with NIM at 3.53% and ROE above 13%. Guidance calls for modest growth in net interest income and expenses, while capital priorities focus on loan growth, dividends, and buybacks.
Q4 2025 Q4 2025 2026-01-28
Q4 net income rose to $22.9M, with strong margin expansion and core deposit growth. Commercial lending outperformed, offsetting consumer declines, and 2026 guidance calls for low single-digit loan and deposit growth, continued NIM expansion, and increased capital returns.
Q3 2025 Q3 2025 2025-10-29
Strong Q3 results featured loan and deposit growth, margin expansion, and disciplined capital management. Asset quality remained robust, with low credit costs and stable non-performing assets. Strategic initiatives, including a new Japanese partnership and operational consolidation, support long-term growth.
Q2 2025 Q2 2025 2025-07-25
Q2 2025 saw strong core earnings, improved efficiency, and robust asset quality, with net income of $18.3M and a 3.44% NIM. Loan and deposit growth was muted but expected to pick up, while credit metrics remain solid and capital levels high.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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