CPF

Based on Central Pacific Financial Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Central Pacific Financial do?

Central Pacific Financial is the holding company for Central Pacific Bank, which provides commercial and consumer banking services in Hawaii. The bank accepts deposits, makes loans, and offers wealth management, trust, and digital banking services to individuals, businesses, and real estate clients across the islands.

Does CPF pay dividends?

Yes, Central Pacific Financial pays a regular dividend. This is consistent with the capital-return practices common among profitable community banks. Investors seeking income often consider dividend-paying regional banks like CPF, though dividend levels can change based on earnings and regulatory requirements.

When does CPF report earnings?

Central Pacific Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact schedule and most recent results, check the investor relations section of the company's official website.

Is CPF a good stock to buy?

UQS Score rates CPF as Good overall. The Quality and Risk pillars are rated Strong and Good respectively, while Valuation is Attractive. The Moat pillar is Weak, reflecting limited competitive differentiation. Whether CPF fits your portfolio depends on your goals — see the full pillar breakdown on uqs-score.com.

Is CPF overvalued?

Based on the UQS Valuation pillar, CPF is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. Community banks can sometimes trade at discounts to larger peers due to lower liquidity and geographic concentration, which may contribute to this rating.

How does CPF compare to its competitors?

CPF operates in a unique single-state market — Hawaii — which differentiates it from peers like CNB Financial, Mercantile Bank, and Heritage Financial, all of which serve mainland US markets. This geographic focus creates both a loyal local customer base and a concentrated risk profile not shared by more geographically diversified community banks.

What is CPF's market cap bracket?

Central Pacific Financial is classified as a small-cap company. Small-cap bank stocks can offer attractive valuations and dividend income but may carry lower trading liquidity and greater sensitivity to local economic conditions compared to larger regional or national banks.

Who founded Central Pacific Financial?

Central Pacific Bank was originally founded to serve Hawaii's Japanese-American community and has roots going back to 1954. The holding company structure was established later. For detailed founding history, the company's official website and public filings provide authoritative information.

Is CPF a long-term quality investment?

As a long-term quality indicator, CPF's UQS profile shows genuine strengths — particularly in Quality and Risk — alongside a Weak Moat score that signals limited structural competitive advantage. Long-term investors should weigh the bank's stable fundamentals against its geographic concentration and modest growth outlook.

What is the main competitive advantage of Central Pacific Financial?

CPF's primary advantage is its deep local presence and brand recognition in Hawaii, where it has operated for decades. Long-standing customer relationships and a branch network across the islands provide a degree of stickiness, though the UQS Moat pillar rates this advantage as Weak relative to broader sector standards.

Central Pacific Financial Corp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Central Pacific Financial Corp. shows steady but unspectacular growth, typical for mature companies.

Central Pacific Financial Corp. has some risk factors including moderate leverage or solvency concerns.

Central Pacific Financial Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.

Central Pacific Financial Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CPF.

The UQS (Unified Quality Score) for Central Pacific Financial Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Central Pacific Financial Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Central Pacific Financial Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.