Central Pacific Financial Corp (CPF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Central Pacific Financial Corp stock (CPF) is currently trading at $31.80. Central Pacific Financial Corp PE ratio is 10.67. Central Pacific Financial Corp PS ratio (Price-to-Sales) is 2.95. Analyst consensus price target for CPF is $37.50. WallStSmart rates CPF as Buy.
- CPF PE ratio analysis and historical PE chart
- CPF PS ratio (Price-to-Sales) history and trend
- CPF intrinsic value — DCF, Graham Number, EPV models
- CPF stock price prediction 2025 2026 2027 2028 2029 2030
- CPF fair value vs current price
- CPF insider transactions and insider buying
- Is CPF undervalued or overvalued?
- Central Pacific Financial Corp financial analysis — revenue, earnings, cash flow
- CPF Piotroski F-Score and Altman Z-Score
- CPF analyst price target and Smart Rating
Central Pacific Financial Corp
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CPF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Central Pacific Financial Corp (CPF)
CPF trades at a significant discount to its Graham intrinsic value of $133.85, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Central Pacific Financial Corp (CPF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Central Pacific Financial Corp (CPF) Key Strengths (6)
Keeps $40 of every $100 in revenue after operating costs
Earnings per share surging 103.10% year-over-year
Keeps $28 of every $100 in revenue as net profit
94.68% of shares held by major funds and institutions
Trading at 1.35x book value, attractively priced
Strong revenue growth at 28.30% annually
Supporting Valuation Data
Central Pacific Financial Corp (CPF) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 2.95x sales
Central Pacific Financial Corp (CPF) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.35) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.20%, Profit Margin at 28.00%. Growth metrics are encouraging with Revenue Growth at 28.30%, EPS Growth at 103.10%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.97), Price/Sales (2.95) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 13.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 28.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CPF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CPF's Price-to-Sales ratio of 2.95x trades at a 31% premium to its historical average of 2.25x (68th percentile). The current valuation is 33% below its historical high of 4.41x set in Feb 2011, and 4822% above its historical low of 0.06x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Central Pacific Financial Corp (CPF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Central Pacific Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 277M with 28% growth year-over-year. Profit margins are strong at 28.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 28% YoY, reaching 277M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 28.0% and operating margin of 40.2% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Central Pacific Financial Corp maintain 28%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Central Pacific Financial Corp.
Bottom Line
Central Pacific Financial Corp offers an attractive blend of growth (28% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Central Pacific Financial Corp(CPF)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.