Central Pacific Financial (CPF)
Runs a Hawaii community bank built on deposits, lending, wealth, and digital banking.
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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
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 8, 2026 | Benchmark | Initiate | Rating: — |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.76B · Total debt $100.6M · Total assets $7.50B · Shareholders' equity $596.3M
- Revenue
- $42.0M
- Operating income
- −$719.0K
- Net income
- $20.8M
HistoryDividendAnnual yield
| Institutions | 98.75% | 25.42M shares | |
|---|---|---|---|
| 207 holders · as of Jun 30, 2026 | |||
| Insiders | 0.91% | 234.6K shares | |
| 15 holders · as of Aug 10, 2026 | |||
| Other | 0.34% | 88.2K shares | |
| remainder | |||
25.75M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.95% | 3.85M | as of Jun 30, 2026 |
Holdco Asset Management, LPInstitution | 9.43% | 2.43M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.03% | 1.29M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.79% | 1.23M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.34% | 1.12M | as of Jun 30, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
- 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
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Central Pacific Financial | $36.76 | 0.00% | $965.5M | 11.9 | 10.8 | 3.1 | +8.2% |
| First Hawaiian | $25.18 | +0.02% | $3.10B | 11.1 | 10.5 | 3.2 | +10.6% |
| Bank of Hawaii | $71.49 | 0.00% | $2.87B | 13.6 | 11.3 | 2.7 | +12.9% |
| Bank of Hope | $13.78 | −0.04% | $1.77B | 13.8 | 10.6 | 1.7 | +56.3% |
| Median | 13.6 | 10.6 | 2.7 | +12.9% |