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CPF 
Central Pacific Financial Corp (CPF)
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Upturn Advisory Summary
12/05/2025: 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 $34.5
1 Year Target Price $34.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.93% | 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 819.49M USD | Price to earnings Ratio 12.58 | 1Y Target Price 34.5 |
Price to earnings Ratio 12.58 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 1 | Beta 0.97 | 52 Weeks Range 22.52 - 31.61 | Updated Date 12/7/2025 |
52 Weeks Range 22.52 - 31.61 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) 2.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.3% | Operating Margin (TTM) 33.47% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 11.65% |
Valuation
Trailing PE 12.58 | Forward PE 9.43 | Enterprise Value 663711040 | Price to Sales(TTM) 3.14 |
Enterprise Value 663711040 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 26806922 | Shares Floating 23896070 |
Shares Outstanding 26806922 | Shares Floating 23896070 | ||
Percent Insiders 2.52 | Percent Institutions 95.84 |
Upturn AI SWOT
Central Pacific Financial Corp
Company Overview
History and Background
Central Pacific Financial Corp. (CPF) is a bank holding company headquartered in Honolulu, Hawaii. Founded in 1954 as Central Pacific Bank, it has grown to become one of the largest banks in Hawaii. The company rebranded to Central Pacific Financial Corp. in 2001 to reflect its broader financial services offerings beyond traditional banking. Over the years, CPF has expanded its branch network and introduced new products and services to cater to individuals, small businesses, and commercial clients.
Core Business Areas
- Community Banking: This segment focuses on providing a full range of banking products and services to individuals and small to medium-sized businesses in Hawaii. This includes checking and savings accounts, money market accounts, certificates of deposit, and a variety of loan products such as residential mortgages, home equity loans, personal loans, and small business loans.
- Commercial Banking: This segment serves larger businesses and commercial clients with specialized lending, treasury management services, and other corporate banking solutions. Products include commercial real estate loans, construction loans, equipment financing, and working capital lines of credit.
- Mortgage Lending: While integrated into community and commercial banking, a significant portion of their business involves originating and servicing residential and commercial mortgages, leveraging their strong presence in the Hawaii real estate market.
Leadership and Structure
Central Pacific Financial Corp. is led by a Board of Directors and a senior management team. As of recent reports, Paul R. Johnson serves as the President and Chief Executive Officer. The company operates through its primary subsidiary, Central Pacific Bank, which manages its extensive branch network and financial operations across Hawaii.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Standard deposit accounts offering liquidity and interest earnings. Competitors include major national banks with branches in Hawaii, local credit unions, and online banks. Market share data is not readily available for specific product categories but deposit market share in Hawaii is a key metric.
- Residential Mortgages: A core offering given the Hawaii real estate market. CPF provides various mortgage products for primary residences, second homes, and investment properties. Competitors include national mortgage lenders, other Hawaiian banks, and mortgage brokers. Market share is significant within Hawaii.
- Small Business Loans: Tailored loan products for local businesses to support growth, operations, and real estate acquisition. Competitors include other community banks, credit unions, and SBA lenders. CPF has historically held a strong position in this segment within Hawaii.
Market Dynamics
Industry Overview
The banking industry in Hawaii is characterized by a strong local focus, with a few dominant players and a growing presence of national institutions. The market is influenced by the state's unique economic drivers, including tourism, military presence, and a robust real estate sector. Regulatory environment is a significant factor.
Positioning
Central Pacific Financial Corp. is a leading community bank in Hawaii, known for its local market expertise and strong customer relationships. Its competitive advantages lie in its deep understanding of the Hawaiian economy, extensive branch network within the islands, and personalized service offerings. It competes effectively with larger national banks by focusing on niche markets and community engagement.
Total Addressable Market (TAM)
The TAM for Central Pacific Financial Corp. is primarily the financial services market within Hawaii, encompassing deposits, loans, and other banking services for individuals and businesses. While specific TAM figures are hard to quantify, it's tied to the overall economic activity and population of Hawaii. CPF is a significant player in this localized TAM, holding a substantial portion of local deposits and loan portfolios.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in Hawaii.
- Extensive branch network across the Hawaiian Islands.
- Deep understanding of the local Hawaiian economy and market dynamics.
- Experienced management team with local market expertise.
- Focus on community banking and personalized customer service.
Weaknesses
- Geographic concentration in Hawaii, limiting diversification.
- Smaller scale compared to national banking giants.
- Reliance on the Hawaiian economy, which can be susceptible to tourism downturns.
- Potentially slower adoption of cutting-edge digital banking technologies compared to larger competitors.
Opportunities
- Leveraging technology to enhance digital banking offerings and customer experience.
- Expanding services to underserved segments within Hawaii.
- Potential for strategic acquisitions within Hawaii or adjacent markets.
- Capitalizing on the growing demand for commercial real estate financing in Hawaii.
- Increasing wealth management and investment services.
Threats
- Intensifying competition from national banks and online-only financial institutions.
- Changes in interest rate environment impacting net interest margins.
- Economic downturns affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
- Increased regulatory compliance costs.
Competitors and Market Share
Key Competitors
- Bank of Hawaii Corporation (BOH)
- American Savings Bank, a subsidiary of Hawaiian Electric Industries (HEI)
- First Hawaiian, Inc. (FHN)
Competitive Landscape
Central Pacific Financial Corp. competes in a concentrated market in Hawaii. Its advantages include deep local roots and personalized service, while its disadvantages stem from its smaller size and limited geographic diversification compared to its main competitors, Bank of Hawaii, American Savings Bank, and First Hawaiian Bank, which have larger market shares and broader resources.
Growth Trajectory and Initiatives
Historical Growth: Historically, CPF has demonstrated steady growth, primarily driven by the expansion of its loan portfolio and deposit base within Hawaii. Its growth has been organic, supplemented by strategic initiatives to enhance its product offerings and customer service.
Future Projections: Future projections for CPF typically depend on analyst estimates, which consider macroeconomic trends in Hawaii, interest rate forecasts, and the company's strategic execution. Growth is expected to be tied to the local economy's performance and the bank's ability to innovate and expand its market share.
Recent Initiatives: Recent initiatives often focus on digital transformation, enhancing customer experience through mobile banking and online platforms, optimizing branch network, and exploring opportunities for new product development or strategic partnerships.
Summary
Central Pacific Financial Corp. is a well-established community bank in Hawaii with strong local ties and a significant market presence. Its strengths lie in its deep understanding of the local economy and customer loyalty. However, its geographic concentration poses a risk, and it faces intense competition from larger regional players. CPF needs to continue leveraging technology to enhance digital offerings and explore strategic growth avenues while managing economic sensitivities within its core market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC filings)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Financial data and market share figures are estimates and subject to change. This information is for informational purposes only and does not constitute investment advice.
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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