CENTRAL PACIFIC FINANCIAL CORP (CPF)
Financials · Regional community banking · NYSE
A Hawaii-focused community bank with deep roots in the islands, offering comprehensive commercial banking, lending, and wealth management services across 27 branches with strategic partnerships in Japan and Korea for diversification.
What CENTRAL PACIFIC FINANCIAL CORP does
Central Pacific Financial Corp. is a Hawaii-based bank holding company that operates Central Pacific Bank, providing full-service commercial banking across 27 branches and 55 ATMs throughout the State of Hawaii. The company offers a comprehensive range of deposit and lending products, including commercial and industrial loans, commercial mortgage loans, residential mortgages, construction loans, consumer loans, and deposit accounts (demand, savings, money market, and time deposits), as well as cash management, digital banking, fiduciary, and investment management services.
Themes: ["Regional community banking / Hawaii","Commercial lending","Residential mortgage lending","Deposit gathering and funding","Wealth management and fiduciary services","Small business lending","International partnerships (Japan and Korea)"]
Fundamentals
- Price$38.15 as of 2026-07-09 close
- Market cap$1.0B as of 2026-07-10
- 1-year return+29.8% as of 2026-07-09 close
- P/E12.47 as of 2026-07-10
- Net margin+24.8% as of 2026-07-10
- ROE+13.7% as of 2026-07-10
- Debt / equity0.09 as of 2026-07-10
- Revenue growth (YoY)+22.9% as of 2026-07-10
- Revenue CAGR (3y)+2.6% SEC XBRL
- Beta0.84 as of 2026-07-10
Dividend: yield +3.0%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration risk due to operations primarily in Hawaii, making the bank vulnerable to local economic downturns, natural disasters, and regional real estate market fluctuations","Interest rate risk from asset-liability management, as interest rate changes impact net interest income and the fair value of investment securities held in the portfolio","Credit risk from lending activities concentrated in Hawaii real estate and small/middle-market businesses, which could be impacted by changes in collateral values and borrower financial conditions"]
Competitors & peers
- First Hawaiian Bank
- Bank of Hawaii (BOH)
- Hawaii Community Federal Credit Union
- American Savings Bank
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.