Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CPF
BuyPremium GrowerFLAGCentral Pacific Financial Corp. · Financial Services · United States · $974M · Avg Vol: $5M/d
Central Pacific Financial has quality Q62 and momentum M67, but value at V44 is below the calibrated floor, and the only buyback figure is an unverified mis-parse, so stage one fails.
COMPANY DESCRIPTION
Central Pacific Financial Corp. is the holding company for Central Pacific Bank, a full-service community bank serving the state of Hawaii with a range of personal and business banking products and services. Its competitive moat lies in its deep understanding of the local Hawaiian market, strong community ties, and established customer relationships. Central Pacific Financial is a prominent local bank, benefiting from a focused geographic strategy and personalized customer service.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 259.9M | 247.0M | 246.1M | 288.6M | 3.5% | 288.2M | 300.4M | 311.0M | 3.8% |
| EPS | 2.85 | 2.70 | 2.17 | 1.97 | 2.88 | 0.3% | 3.11 | 3.24 | 3.54 | 10.8% |
| Shares | — | 27.0M | 27.0M | 27.1M | 26.4M | -2.4% | 25.7M | — | — | — |
| Debt | — | 146.7M | 186.7M | 188.4M | 102.1M | -11.4% | 103.5M | — | — | — |
| Equity | — | 452.9M | 503.8M | 538.4M | 592.6M | 9.4% | — | — | — | — |
| Op CF | — | 114.1M | 105.1M | 90.5M | 97.5M | -5.1% | 103.2M | — | — | — |
| Inv CF | — | -384.5M | 179.7M | 0.7M | 67.2M | — | — | — | — | — |
| Fin CF | — | 53.5M | 125.6M | -232.7M | -166.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CPF are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CPF | Central Pacific Financial Corp.(you) | $974M | 67 | Buy |
| CCNE | CNB Financial Corporation | $1.0B | 66 | Buy |
| NBN | Northeast Bank | $1.1B | 67 | Buy |
| FCBC | First Community Bankshares, Inc. | $925M | 65 | Buy |
| CAC | Camden National Corporation | $957M | 70 | Buy |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | Buy |
| SPFI | South Plains Financial, Inc. | $823M | 65 | Buy |
| MPB | Mid Penn Bancorp, Inc. | $929M | 71 | Buy |
| MCBS | MetroCity Bankshares, Inc. | $1.0B | 62 | Hold |
| OSBC | Old Second Bancorp, Inc. | $1.3B | 66 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%