Central Pacific Financial
Runs a Hawaii community bank built on deposits, lending, wealth, and digital banking.
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Profile
Operates Central Pacific Bank, a Hawaii community-bank franchise offering deposits, lending, wealth, cash-management, and digital banking services. A single banking-operations segment, local branch relationships, fourth-place Hawaii deposit share, and exposure to real estate, tourism, and bank regulation define the model.
Runs Central Pacific Bank, a full-service Hawaii community bank with branches and ATMs across Oahu, Maui, Hawaii Island, and Kauai. Products span demand, money-market, savings, and time deposits; commercial, construction, commercial real-estate, residential mortgage, home-equity, and consumer loans; cash management; digital banking; fiduciary services; and investment management.
Operates as one banking-operations segment, with income driven by loan interest, securities income, and deposit-service fees. The franchise is concentrated in Hawaii and ranked fourth by statewide deposit share, so local relationships and island-market knowledge matter.
Depends on Hawaii economic conditions, especially real estate and tourism, and on bank regulation. Since joining the Federal Reserve System, the bank's primary federal regulator is the Federal Reserve Bank.
Company facts
Categories
Key statistics
Year to date +21.8% · Average volume (30d) 151.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating |
|---|---|---|---|
| Jul 8, 2026 | Benchmark | Initiate | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 24, 2026Q2 FY26 | $0.78 | $0.80 | +2.2% | $75.7M | $77.5M | +2.3% | +1.06% |
| Apr 29, 2026Q1 FY26 | $0.74 | $0.78 | +5.4% | $74.3M | $72.9M | −1.8% | −2.63% |
| Jan 28, 2026Q4 FY25 | $0.73 | $0.85 | +16.4% | $75.4M | $76.3M | +1.1% | −0.06% |
| Oct 29, 2025Q3 FY25 | $0.72 | $0.73 | +1.4% | $75.3M | $73.5M | −2.3% | +2.61% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $87.1M | $89.9M | $92.2M | $93.1M | $87.5M | $42.0M | |
| Gross profit | $63.5M | $66.6M | $69.4M | $76.3M | $69.5M | $24.0M | |
| Operating income | $22.6M | $23.9M | $23.6M | $30.6M | $26.9M | −$719.0K | |
| Net income | $17.8M | $18.3M | $18.6M | $22.9M | $20.7M | $20.8M | |
| Diluted EPS | $0.65 | $0.68 | $0.69 | $0.85 | $0.78 | $0.80 | |
| Gross margin | 72.9% | 74.1% | 75.3% | 82.0% | 79.4% | 57.1% | |
| Operating margin | 25.9% | 26.5% | 25.6% | 32.9% | 30.7% | -1.7% |
Fiscal years (4-quarter sums)FY21 $261.8M · FY22 $280.6M · FY23 $319.6M · FY24 $340.5M · FY25 $362.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $1.76B · Total debt $100.6M · Total assets $7.50B · Shareholders' equity $596.3M
Dividends
Raised for 12 straight years — most recently to $0.29 from $0.28 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 29, 2026 | May 29 | Jun 15 | $0.29 | |
| Feb 27, 2026 | Feb 27 | Mar 16 | $0.29 | raised from $0.28 |
| Nov 28, 2025 | Nov 28 | Dec 15 | $0.28 | raised from $0.27 |
| Aug 29, 2025 | Aug 29 | Sep 15 | $0.27 | |
| May 30, 2025 | May 30 | Jun 16 | $0.27 | |
| Feb 28, 2025 | Feb 28 | Mar 17 | $0.27 | raised from $0.26 |
| Nov 29, 2024 | Nov 29 | Dec 16 | $0.26 | |
| Aug 30, 2024 | Aug 30 | Sep 16 | $0.26 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 26.10M · Float 22.92M · 87.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 3.85M | 14.75% | 13F | Aug 7, 2026 |
| Holdco Asset Management, LP | 2.43M | 9.30% | 13F | Aug 14, 2026 |
| Vikaran Ghei | 1.53M | 5.70% | 13D | Aug 22, 2025 |
| State Street Corp | 1.29M | 4.96% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.23M | 4.72% | 13F | Aug 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 12, 2025 | Agnes Catherine Ngo | director | −3,333 | $30.66 |
Peers
- First Hawaiian
Largest Hawaii bank across deposits, loans, wealth, and trust
- Bank of Hawaii
Major Hawaii-Pacific bank across deposits, lending, and wealth
- Bank of Hope
Territorial Savings adds Hawaii deposits, loans, and branch overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Central Pacific Financial | $37.83 | −0.03% | $987.4M | 12.1 | 11.1 | 3.1 | +8.2% |
| First Hawaiian | $25.79 | +0.02% | $3.14B | 11.2 | 10.8 | 3.2 | +10.6% |
| Bank of Hawaii | $77.29 | −0.01% | $3.05B | 14.4 | 12.3 | 2.8 | +14.9% |
| Bank of Hope | $13.92 | 0.00% | $1.78B | 13.9 | 10.7 | 1.8 | +56.3% |
| Median | 13.9 | 10.8 | 2.8 | +14.9% |