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Upturn AI SWOT - About
CPF 
Central Pacific Financial Corp (CPF)
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Upturn Advisory Summary
07/10/2025: CPF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $30
1 Year Target Price $30
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.99% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 793.90M USD | Price to earnings Ratio 13.73 | 1Y Target Price 30 |
Price to earnings Ratio 13.73 | 1Y Target Price 30 | ||
Volume (30-day avg) 1 | Beta 1.01 | 52 Weeks Range 21.68 - 32.35 | Updated Date 07/10/2025 |
52 Weeks Range 21.68 - 32.35 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 3.85% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.51% | Operating Margin (TTM) 34.9% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 10.94% |
Valuation
Trailing PE 13.73 | Forward PE 9.43 | Enterprise Value 635347264 | Price to Sales(TTM) 3.21 |
Enterprise Value 635347264 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 3.77 | Enterprise Value to EBITDA - | Shares Outstanding 26975900 | Shares Floating 26283186 |
Shares Outstanding 26975900 | Shares Floating 26283186 | ||
Percent Insiders 2.54 | Percent Institutions 94.4 |
Upturn AI SWOT
Central Pacific Financial Corp
Company Overview
History and Background
Central Pacific Financial Corp. was founded in 1954 as Central Pacific Bank, primarily serving the local communities of Hawaii. Over time, it has grown into a significant regional bank, expanding its services and reach across the Hawaiian Islands.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is a typical bank holding company structure with various departments and regional branches.
Top Products and Market Share
Key Offerings
- Competitors: BOH,ASB
- Residential Mortgages: Offers a variety of mortgage products for homebuyers in Hawaii. Market share data unavailable, but competes with Bank of Hawaii (BOH) and American Savings Bank.
- Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data unavailable. Competes with First Hawaiian Bank (FHB) and local credit unions.
- Competitors: FHB,Local Credit Unions
- Competitors: Online Banks,Local Institutions
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Market share data unavailable. Competes with online banks and other local institutions.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulatory scrutiny and technological disruption. Economic conditions in Hawaii significantly impact the banking sector.
Positioning
Central Pacific Financial Corp. is a regional bank focused on the Hawaiian market. Its competitive advantages include its local knowledge, established customer base, and strong community ties.
Total Addressable Market (TAM)
The total market value of banking services in Hawaii is estimated to be several billion dollars annually. Central Pacific Financial Corp. is positioned to capture a portion of this market through its various banking offerings.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer base in Hawaii
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic diversification
- Dependence on the Hawaiian economy
- Smaller size compared to national banks
- Slower technological adoption than competitors
Opportunities
- Expanding digital banking services
- Growing wealth management business
- Increasing market share through strategic acquisitions
- Capitalizing on tourism growth in Hawaii
Threats
- Economic downturn in Hawaii
- Increased competition from national banks and fintech companies
- Rising interest rates
- Changes in regulations
Competitors and Market Share
Key Competitors
- BOH
- FHB
- ASB
Competitive Landscape
Central Pacific Financial Corp. faces stiff competition from larger national and regional banks. Its local focus and customer service are key differentiators.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, influenced by the Hawaiian economy and competitive pressures.
Future Projections: Future growth projections depend on economic forecasts and management strategies. Analyst estimates are unavailable at this time.
Recent Initiatives: Recent initiatives have focused on digital banking and expanding wealth management services.
Summary
Central Pacific Financial Corp. is a stable regional bank with a strong presence in Hawaii. Its local focus provides a competitive advantage, but its limited geographic diversification and dependence on the Hawaiian economy pose risks. Expansion of digital services and strategic acquisitions could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis
- Market data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Central Pacific Financial Corp
Exchange NYSE | Headquaters Honolulu, HI, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Arnold D. Martines | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 697 | Website https://www.cpb.bank |
Full time employees 697 | Website https://www.cpb.bank | ||
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, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, 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, and planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.
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