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CENTRAL PACIFIC FINANCIAL CORP CPF

NYSE · stock · State Commercial Banks · website · IPO 1987-08-28 · LEI

CENTRAL PACIFIC FINANCIAL CORP statistics & valuation

Market cap$987.9M
P / E12.8×
P / S19.1×
P / B1.7×
P / FCF10.7×
Dividend yield2.97%
Net margin149.5%
Return on equity13.1%
FCF margin178.1%
Net debt$76.5M
Enterprise value USD$1.1B
Graham number -3%$37.55

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($37.55); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
242.00% 224.00% 156.50% 185.50% 154.30% 125.70% 137.90% 149.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.30% 8.20% 12.10% 11.00% 6.80% 14.30% 16.30% 11.60% 9.90% 13.10% 2016201720182019202020212022202320242025
Shares outstanding
31.2M 30.6M 29.6M 28.7M 28.2M 28.3M 27.6M 27.1M 27.2M 27.0M 2016201720182019202020212022202320242025
Net debt ($)
$8.4M $10.5M $20.0M $101.5M $0 $105.6M $105.9M $156.1M $156.3M $76.5M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.70% 1.00% 1.00% 0.60% 1.10% 1.00% 0.80% 0.70% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
407.80% 249.60% 213.30% 205.10% 199.70% 198.10% 194.80% 178.10% 2016201720182019202020212022202320242025
Debt / equity (×)
0.18× 0.19× 0.25× 0.19× 0.00× 0.19× 0.23× 0.31× 0.29× 0.13× 2016201720182019202020212022202320242025
EPS ($)
$1.50 $1.34 $2.01 $2.03 $1.32 $2.83 $2.68 $2.17 $1.97 $2.86 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CENTRAL PACIFIC FINANCIAL CORP trades at about 13.5× earnings — near its 10-year norm (10-year range 8.4×–22.1×, median 14.2×).

8.4× 22.1×

Shaded band = 10-year range (8.4×–22.1×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin149.5%137.9%125.7%154.3%185.5%156.5%224.0%242.0%——
FCF margin178.1%194.8%198.1%199.7%205.1%213.3%249.6%407.8%——
Return on assets1.0%0.7%0.8%1.0%1.1%0.6%1.0%1.0%0.7%0.9%
Return on equity13.1%9.9%11.6%16.3%14.3%6.8%11.0%12.1%8.2%9.3%
Debt / equity0.13×0.29×0.31×0.23×0.19×0.00×0.19×0.25×0.19×0.18×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.