Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
CPF 
Central Pacific Financial Corp (CPF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: CPF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 17.58% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 731.86M USD | Price to earnings Ratio 13.7 | 1Y Target Price 32 |
Price to earnings Ratio 13.7 | 1Y Target Price 32 | ||
Volume (30-day avg) 169204 | Beta 1.15 | 52 Weeks Range 17.81 - 32.68 | Updated Date 04/1/2025 |
52 Weeks Range 17.81 - 32.68 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.99% | Basic EPS (TTM) 1.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.2% | Operating Margin (TTM) 23.28% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 13.7 | Forward PE 9.43 | Enterprise Value 529504736 | Price to Sales(TTM) 3.04 |
Enterprise Value 529504736 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 27115800 | Shares Floating 26402464 |
Shares Outstanding 27115800 | Shares Floating 26402464 | ||
Percent Insiders 2.48 | Percent Institutions 96 |
Analyst Ratings
Rating 3.5 | Target Price 32 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Central Pacific Financial Corp
Company Overview
History and Background
Central Pacific Financial Corp. (CPF) was founded in 1954 in Honolulu, Hawaii. It has grown to become a leading financial institution in the state, focusing on providing banking services to individuals, families, and businesses. Over the years, it has expanded its branch network and diversified its service offerings.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit services, and cash management solutions to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, credit cards, and personal loans to consumers.
- Wealth Management: Offers investment advisory services, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure typically includes various departments such as commercial banking, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Competitors include Bank of Hawaii, First Hawaiian Bank and national lenders. Market share in Hawaii is estimated to be around 10%.
- Commercial Loans: Offers loans to businesses for various purposes, such as working capital, equipment financing, and real estate acquisition. Competitors include Bank of Hawaii, American Savings Bank, and national banks operating in Hawaii. Market share in Hawaii is estimated to be around 8%.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include Bank of Hawaii, First Hawaiian Bank, and online banks. Market share in Hawaii is estimated to be around 12%.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing pressure from digital banking and fintech companies. Interest rate fluctuations and regulatory changes also significantly impact the industry.
Positioning
Central Pacific Financial Corp is positioned as a community-focused bank in Hawaii, emphasizing local relationships and personalized service. Its competitive advantage lies in its strong local presence and understanding of the Hawaiian market.
Total Addressable Market (TAM)
The TAM for banking services in Hawaii is estimated at approximately $20 billion. Central Pacific Financial Corp is well-positioned to capture a portion of this market with its local focus and comprehensive service offerings.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition in Hawaii
- Established customer relationships
- Solid capital base
- Experienced management team
Weaknesses
- Geographic concentration in Hawaii
- Limited product diversification
- Higher operating costs compared to larger banks
- Dependence on net interest income
Opportunities
- Expansion of digital banking services
- Growth in the Hawaiian economy
- Increased demand for wealth management services
- Potential for strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Hawaii
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH (Bank of Hawaii)
- FHB (First Hawaiian, Inc.)
- ASB (American Savings Bank)
Competitive Landscape
Central Pacific Financial Corp's advantages include its local focus and strong relationships. Disadvantages include its smaller size and limited geographic diversification compared to larger competitors. American Savings Bank also competes strongly in this market.
Major Acquisitions
No current data on active aquisitions.
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Central Pacific Financial Corp has experienced moderate growth in recent years, driven by increased lending and deposit activity.
Future Projections: Analyst estimates project revenue growth of 3-5% annually over the next few years. EPS is expected to increase as the company improves efficiency and capitalizes on growth opportunities.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology, expansion of wealth management services, and efforts to improve customer service.
Summary
Central Pacific Financial Corp. is a well-established regional bank in Hawaii with a strong local presence. It benefits from its customer relationships and solid capital base. Challenges include competition from larger banks and geographic concentration. The bank's future growth depends on its ability to innovate and expand its service offerings.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
FHB
First Hawaiian Inc
FHB
First Hawaiian Inc
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.