Central Pacific Financial Corp New (CPF)

FairStock Score: 72/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 14.0% above cost of capital
• Revenue growth of 31.2% demonstrates strong top-line momentum
• Attractive 3.4% dividend yield providing steady income returns
• FairStock composite score of 72/100 places it in the top tier across value, quality, and momentum factors

Concerns

• Altman Z-Score of 0.1 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Central Pacific Financial Corp New is a micro-cap financial services company valued at $909 million. The business generates $283 million in annual revenue with a 8.1% net margin. From a quality standpoint, Central shows solid Piotroski F-Score of 6/9 and distressed Altman Z-Score of 0.1 warrants caution. On valuation, the stock is attractively valued at 11.3x earnings, with a modest 12% margin of safety vs Graham Number. Growth dynamics show revenue growing at 31.2% and profit growth of 101.6%. The 3.4% dividend yield adds an income component for patient holders. Our composite FairStock Score of 72/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Central's 31% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer