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Upturn AI SWOT - About
CPF 
Central Pacific Financial Corp (CPF)
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Upturn Advisory Summary
08/28/2025: 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 14.35% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 849.91M USD | Price to earnings Ratio 14.06 | 1Y Target Price 35 |
Price to earnings Ratio 14.06 | 1Y Target Price 35 | ||
Volume (30-day avg) 1 | Beta 1.04 | 52 Weeks Range 22.73 - 32.07 | Updated Date 08/28/2025 |
52 Weeks Range 22.73 - 32.07 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.37% | 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 14.06 | Forward PE 9.43 | Enterprise Value 691502208 | Price to Sales(TTM) 3.35 |
Enterprise Value 691502208 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 3.86 | Enterprise Value to EBITDA - | Shares Outstanding 26981400 | Shares Floating 26308519 |
Shares Outstanding 26981400 | Shares Floating 26308519 | ||
Percent Insiders 2.51 | Percent Institutions 96.77 |
Upturn AI SWOT
Central Pacific Financial Corp
Company Overview
History and Background
Central Pacific Financial Corp. (CPF) was founded in 1954 as Central Pacific Bank in Honolulu, Hawaii. It has grown from a small community bank to a publicly traded regional bank holding company through organic growth and acquisitions, serving individuals and businesses throughout Hawaii.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products, treasury management services, and other financial solutions to businesses of all sizes. Focuses on relationship banking and local market expertise.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, credit cards, and investment products. Emphasizes convenience and customer service through branches and digital channels.
- Wealth Management: Offers wealth management, trust, and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
The leadership team is headed by Arnold Martines, Chairman, President, and Chief Executive Officer. The organizational structure includes various departments such as commercial lending, retail banking, risk management, and finance, overseen by senior executives and a board of directors.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products for home purchase and refinancing. Market share data is regionally specific to Hawaii. Competitors include Bank of Hawaii, American Savings Bank, and national lenders.
- Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Regional market share information is relevant. Competitors include Bank of Hawaii, First Hawaiian Bank, and local credit unions.
- Checking and Savings Accounts: A core offering providing basic banking services. No specific market share data available.
Market Dynamics
Industry Overview
The banking industry is currently navigating economic uncertainty, rising interest rates, and evolving regulatory landscape. Digital transformation and increasing competition from fintech companies are also key trends.
Positioning
Central Pacific Financial Corp. is positioned as a leading community bank in Hawaii, focusing on personalized service and local expertise. Its competitive advantages include strong relationships with local businesses and deep understanding of the Hawaiian market.
Total Addressable Market (TAM)
The total addressable market is the entire banking and financial services sector in Hawaii, estimated at multi-billion USD. CPF holds a significant regional presence, capturing a portion of this TAM. Exact TAM is difficult to quantify due to varied financial service products.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition in Hawaii
- Experienced management team
- Solid capital base
- Customer-centric approach
Weaknesses
- Geographic concentration in Hawaii
- Limited diversification compared to larger national banks
- Reliance on net interest income
- Smaller scale hindering economies of scale
Opportunities
- Expansion of digital banking services
- Growth in wealth management segment
- Strategic acquisitions in the Pacific region
- Increasing tourism in Hawaii
Threats
- Economic downturn in Hawaii
- Increased competition from national banks and fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes affecting banking operations
Competitors and Market Share
Key Competitors
- BOH (BOH)
- FSB (FSB)
- TCBI (TCBI)
Competitive Landscape
Central Pacific Financial Corp. competes with larger national banks, regional banks, and local credit unions. Its advantages include its local focus and strong customer relationships. Disadvantages include its smaller size and limited diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic initiatives. Specific financial figures for historical growth are not available at this time.
Future Projections: Future growth projections depend on economic conditions in Hawaii and the company's ability to execute its strategic plan. Analyst estimates are not available at this time.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and community outreach programs.
Summary
Central Pacific Financial Corp. is a stable regional bank with a strong presence in Hawaii. Its local focus and customer-centric approach are key strengths. However, its geographic concentration and smaller size pose challenges. The company needs to innovate and adapt to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (if available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data and projections are subject to change.
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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