Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CPF

Central Pacific Financial Corp Financials State Commercial Banks Russell 3000
$37.98Close $1.0BMarket cap $27.55 – $39.6752-week range Jan 27, 2027Next report · estimated

Highlights

Strengths

  • Near its high 4% below its 52-week high
  • Earnings growing EPS +29% year on year, faster than the quarter before (+10 pts)

Cautions

  • Trend not confirmed 7 of 8 conditions · RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 28, 2026
Off 12-month high 4%
1wk up 0.8% price change
1mo up 5.8% price change
12-month return up 35% market up 11% · its own up 28%
F-score — — Not assessed
Altman Z — Unknown
P/E 12.9× price / earnings
PEG 0.28 P/E / EPS growth
P/B 1.7× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 34% year on year
EPS growth up 29% latest quarter · +10 pts
Sales growth down 9% latest quarter · -21 pts
ROE up 14% return on equity
Free cash margin —
D/E 0.13 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 51% ($0.2B → $0.1B)
  • Revenue reaccelerating (-17% then +34%)

Trade setup

ATR% 2.1% $0.81 a day · 2×ATR $36.37
RS 68 / 99 vs the universe
Trend 7 / 8 RS under 70
Relative volume 1.0× vs 50-day average
Up/down volume 1.03 50 sessions
Implied move — no scheduled report
Trend template · 7 of 8
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 28, 2026
Results reaction Oct 28, 2026+2% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $51.8M +34% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $23.8M FY2021 · $43.1M FY2022 · $47.9M FY2023 · $46.7M FY2024 · $38.7M FY2025 · $51.8M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $77.5M +45% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $37.3M FY2021 · $79.9M FY2022 · $73.9M FY2023 · $58.7M FY2024 · $53.4M FY2025 · $77.5M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 150%
0% 200% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 157% FY2021 · Net 186% FY2022 · Net 154% FY2023 · Net 126% FY2024 · Net 138% FY2025 · Net 150%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $104.1M · Long-term debt $0 FY2021 · Cash $328.9M · Long-term debt $105.6M FY2022 · Cash $112.0M · Long-term debt $105.9M FY2023 · Cash $522.4M · Long-term debt $156.1M FY2024 · Cash $380.9M · Long-term debt $156.3M FY2025 · Cash $378.7M · Long-term debt $76.5M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 26.37m -6.4% since FY2020
28.18m 26.37m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 28.18m FY2021 · 27.71m FY2022 · 27.03m FY2023 · 27.05m FY2024 · 27.07m FY2025 · 26.37m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $23.8M $43.1M $47.9M $46.7M $38.7M $51.8M
Net income $37.3M $79.9M $73.9M $58.7M $53.4M $77.5M
Net margin 157% 186% 154% 126% 138% 150%
Earnings per share $1.32 $2.83 $2.68 $2.17 $1.97 $2.86
Cash $104.1M $328.9M $112.0M $522.4M $380.9M $378.7M
Long-term debt $0 $105.6M $105.9M $156.1M $156.3M $76.5M
Shareholders' equity $546.7M $558.3M $452.9M $503.8M $538.4M $592.6M
Shares outstanding 28.18m 27.71m 27.03m 27.05m 27.07m 26.37m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 28, 2026 Quarterly ↗ Sep 30, 2026 28d
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
Apr 29, 2026 Quarterly ↗ Mar 31, 2026 29d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Oct 29, 2025 Quarterly ↗ Sep 30, 2025 29d
Aug 5, 2025 Quarterly ↗ Jun 30, 2025 36d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 26, 2025 Annual ↗ Dec 31, 2024 57d
Oct 30, 2024 Quarterly ↗ Sep 30, 2024 30d
Jul 31, 2024 Quarterly ↗ Jun 30, 2024 31d
Apr 24, 2024 Quarterly ↗ Mar 31, 2024 24d
Feb 21, 2024 Annual ↗ Dec 31, 2023 52d

Current reports

FiledDisclosed
Oct 28, 2026 Results · Regulation FD ↗
Jul 24, 2026 Results · Regulation FD ↗
Jul 2, 2026 Shareholder vote ↗
May 4, 2026 Shareholder vote ↗
Apr 29, 2026 Results · Regulation FD ↗
Jan 28, 2026 Results · Regulation FD ↗
Dec 16, 2025 Regulation FD ↗
Nov 7, 2025 Director or officer change ↗
Oct 29, 2025 Results · Regulation FD ↗
Oct 1, 2025 Director or officer change ↗
Aug 25, 2025 Director or officer change ↗
Jul 25, 2025 Results · Charter or bylaws · Regulation FD ↗