Central Pacific Financial Corp. (CPF) stock analysis

In our weekly check, Central Pacific Financial Corp. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 6, red flags: 3.

About Central Pacific Financial Corp.

Central Pacific Financial Corp. is a Financial Services company (Banks - Regional) based in the United States, listed on NYSE as CPF.

What our checks show for CPF

Red flags

• The gross margin fell by 25.2 points, to 77.5%: costs are rising faster than prices.
• The stock has fallen as much as 99% from a peak. Would you have held through that?

Warning signs

• The net margin fell by 3.1 points over 5 years, to 27.6%: the company keeps less of each sale as profit.
• Analysts expect only about 1.8% a year of growth in revenue.
• Revenue grew only 4.4% a year over the last 3 years.
• A small company (market value $966 million): usually riskier and followed by fewer analysts.
• The stock is still below its previous peak.
• Thinly traded (about 160 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect the net margin to improve by 4.7 points from today's 27.6%.
• The company keeps 27.6% of its revenue as net profit.
• Free cash flow is 29.2% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 35% of profit: there is a cushion.
• The price is 11.4 times earnings (P/E), reasonable for its growth.
• Pay in shares is only 3.2% of free cash flow.

Next earnings report: 2027-01-27

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Questions

What grade does Central Pacific Financial Corp. (CPF) have?

In our weekly check, Central Pacific Financial Corp. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 6, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CPF stock?

This week's biggest flags for Central Pacific Financial Corp.: Gross margin falling, Deep past fall, Margins falling. In total 9 of 25 checks show a warning or a red flag.

What does Central Pacific Financial Corp. do?

Central Pacific Financial Corp. is a Financial Services company (Banks - Regional) based in the United States, listed on NYSE as CPF.

When does Central Pacific Financial Corp. report earnings next?

The next earnings report is expected on 2027-01-27. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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