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Upturn AI SWOT - About
CPF 
Central Pacific Financial Corp (CPF)
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Upturn Advisory Summary
09/11/2025: 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 $35
1 Year Target Price $35
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.23% | Avg. Invested days 51 | 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 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 833.73M USD | Price to earnings Ratio 13.79 | 1Y Target Price 35 |
Price to earnings Ratio 13.79 | 1Y Target Price 35 | ||
Volume (30-day avg) 1 | Beta 1.08 | 52 Weeks Range 22.73 - 32.07 | Updated Date 09/11/2025 |
52 Weeks Range 22.73 - 32.07 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 2.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.92% | Operating Margin (TTM) 35.2% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 11.16% |
Valuation
Trailing PE 13.79 | Forward PE 9.43 | Enterprise Value 675313344 | Price to Sales(TTM) 3.29 |
Enterprise Value 675313344 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 3.78 | Enterprise Value to EBITDA - | Shares Outstanding 26981400 | Shares Floating 26316883 |
Shares Outstanding 26981400 | Shares Floating 26316883 | ||
Percent Insiders 2.51 | Percent Institutions 97.8 |
Upturn AI SWOT
Central Pacific Financial Corp
Company Overview
History and Background
Central Pacific Financial Corp. was founded in 1954 as Central Pacific Bank in Honolulu, Hawaii. It has grown organically and through strategic acquisitions, becoming a leading financial institution in Hawaii. It focuses on providing financial services tailored to the needs of individuals, families, and businesses in Hawaii.
Core Business Areas
- Commercial Banking: Offers a range of banking services to businesses, including commercial loans, lines of credit, treasury management, and international banking services.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, credit cards, and other financial services to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Arnold Martines (President & CEO) and David Bess (CFO). The organizational structure consists of various departments overseeing retail banking, commercial banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products for home purchase and refinancing. Competitors include Bank of Hawaii (BOH) and First Hawaiian Bank (FHB). Market share unavailable.
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Competitors include Bank of Hawaii (BOH) and First Hawaiian Bank (FHB). Market share unavailable.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include Bank of Hawaii (BOH) and First Hawaiian Bank (FHB). Market share unavailable.
Market Dynamics
Industry Overview
The banking industry in Hawaii is characterized by a few dominant players and a competitive landscape. Banks face regulatory scrutiny, interest rate volatility, and increasing competition from online lenders and fintech companies.
Positioning
Central Pacific Financial Corp. positions itself as a community-focused bank with a strong presence in Hawaii. Its competitive advantages include its local expertise, customer relationships, and reputation for service excellence.
Total Addressable Market (TAM)
The TAM for banking services in Hawaii is estimated to be in the billions of dollars. Central Pacific Financial Corp. is well-positioned to capture a portion of this market through its focus on local businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Hawaii
- Established customer base
- Experienced management team
- Solid financial performance
Weaknesses
- Geographic concentration in Hawaii
- Limited scale compared to larger national banks
- Vulnerability to economic downturns in Hawaii
- Dependence on interest rate environment
Opportunities
- Expansion of digital banking services
- Growth in wealth management business
- Strategic acquisitions
- Increased lending activity due to economic growth in Hawaii
Threats
- Increased competition from online lenders
- Regulatory changes
- Economic downturn in Hawaii
- Rising interest rates
Competitors and Market Share
Key Competitors
- BOH
- FHB
- ASB
Competitive Landscape
Central Pacific Financial Corp. faces strong competition from larger banks with greater resources. Its advantage lies in its local focus and customer service. Disadvantages include a smaller branch network and less brand recognition outside of Hawaii.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth analysis requires access to current filings. Insert placeholder for now.
Future Projections: Future Projections analysis requires access to current filings. Insert placeholder for now.
Recent Initiatives: Recent Initiatives analysis requires access to current filings. Insert placeholder for now.
Summary
Central Pacific Financial Corp is a regional bank with a strong presence in Hawaii. It benefits from its established brand and local market expertise. However, it faces competition from larger banks and is vulnerable to economic conditions in Hawaii. Expanding digital services and wealth management could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (where available)
- Market research reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimates. The financial information is not current and requires live updated filings
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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