CPB (CPF) Stock Price, News & Analysis

Company Overview

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. It 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. The company 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, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

Key Stats

• Today's Range: $31.16 to $31.63
• 50-Day Range: $26.16 to $31.56
• 52-Week Range: $23.16 to $33.25
• Volume: 144,917 shs
• Average Volume: 161,626 shs
• Market Capitalization: $844.77 million
• P/E Ratio: 14.04
• Dividend Yield: 3.45%
• Price Target: $35.00
• Consensus Rating: Buy

CPB Stock Analysis - MarketRank™

CPB scored higher than 95% of companies evaluated by MarketBeat, and ranked 59th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

CPB has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

CPB has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.91%

Earnings Growth

Earnings for CPB are expected to grow by 10.91% in the coming year, from $2.75 to $3.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CPB is 14.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 268.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of CPB is 14.04, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.82.

Price to Book Value per Share Ratio

CPB has a P/B Ratio of 1.49. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.69% of the float of CPB has been sold short.

Short Interest Ratio / Days to Cover

CPB has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CPB has recently decreased by 9.51%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

CPB pays a meaningful dividend of 3.43%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

CPB has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of CPB is 48.43%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, CPB will have a dividend payout ratio of 35.41% next year. This indicates that CPB will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.60

Percentage of Shares Shorted

1.69% of the float of CPB has been sold short.

Short Interest Ratio / Days to Cover

CPB has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CPB has recently decreased by 9.51%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.02

News Sentiment

CPB has a news sentiment score of 1.02. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for CPB this week, compared to 3 articles on an average week.

Search Interest

4 people have searched for CPF on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, CPB insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $379,335.00 in company stock.

Percentage Held by Insiders

Only 2.40% of the stock of CPB is held by insiders.

Percentage Held by Institutions

88.42% of the stock of CPB is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CPF Stock Analysis - Frequently Asked Questions

How have CPF shares performed this year?

CPB's stock was trading at $29.05 at the beginning of the year. Since then, CPF shares have increased by 7.8% and is now trading at $31.3110.

How were CPB's earnings last quarter?

CPB Inc. (NYSE:CPF) released its earnings results on Friday, July, 25th. The financial services provider reported $0.67 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.70 by $0.03. The financial services provider had revenue of $72.81 million for the quarter, compared to analysts' expectations of $71.80 million. CPB had a trailing twelve-month return on equity of 12.80% and a net margin of 17.31%.
Read the conference call transcript.

Who are CPB's major shareholders?

Top institutional shareholders of CPB include HoldCo Asset Management LP (4.07%), Basswood Capital Management L.L.C. (3.28%), American Century Companies Inc. (2.76%) and Allianz Asset Management GmbH (1.61%). Insiders that own company stock include Agnes Catherine Ngo, Earl E Fry, Paul K Yonamine, Christine H H Camp, Arnold D Martines and Paul Kosasa.
View institutional ownership trends.

How do I buy shares of CPB?

Shares of CPF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of CPB own?

Based on aggregate information from My MarketBeat watchlists, some other companies that CPB investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), AU Optronics (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Record date for 6/16 Dividend: 5/30/2025
• Ex-Dividend for 6/16 Dividend: 5/30/2025
• Dividend Payable: 6/16/2025
• Last Earnings: 7/25/2025
• Today: 8/29/2025
• Record date for 9/15 Dividend: 8/29/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:CPF
• CIK: 701347
• Web: www.centralpacificbank.com
• Phone: (808) 544-0500
• Fax: 808-532-7328
• Employees: 780
• Year Founded: 1954

Price Target and Rating

• Average Price Target for CPB: $35.00
• High Price Target: $35.00
• Low Price Target: $35.00
• Potential Upside/Downside: +11.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.23
• Trailing P/E Ratio: 14.04
• Forward P/E Ratio: 11.39
• P/E Growth: N/A
• Net Income: $53.41 million
• Net Margins: 17.31%
• Pretax Margin: 21.93%
• Return on Equity: 12.80%
• Return on Assets: 0.95%

Debt

• Debt-to-Equity Ratio: 0.29
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $344.82 million
• Price / Sales: 2.45
• Cash Flow: $2.73 per share
• Price / Cash Flow: 11.47
• Book Value: $21.08 per share
• Price / Book: 1.49

Miscellaneous

• Outstanding Shares: 26,980,000
• Free Float: 26,333,000
• Market Cap: $844.77 million
• Optionable: Optionable
• Beta: 1.07