Central Pacific Financial Corp New (CPF)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Central Pacific Financial, and I start with the numbers as filed. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $20.8 million and diluted EPS was $0.80, up from $18.3 million and $0.67 in fiscal Q2 2025. For FY2025, ended 2025-12-31, net income was $77.5 million and EPS $2.86, versus $53.4 million and $1.97 in FY2024. That is real earning power. FairStock's calculations put the shares at $35.61 on 2026-10-13 at 11.4 times earnings and 1.54 times book, with a 14.25% return on equity and a 3.37% dividend yield. The Piotroski score is 7/9, and the PEG is 0.68. A Lynch STALWART label fits: steady growth, not a fast mover. The bank's moat is modest—local relationships, deposits, and switching costs—but banking is competitive and regulated. The balance sheet is the key unknown: CET1, net interest margin, reserve coverage, and credit quality are not in the data. Without those, I cannot judge underwriting risk fully. At 1.54 times book, the price already assumes continued decent returns. It is not a Graham bargain, but it is not expensive either. I would want consistent book value growth, stable net interest margin, and clean credit to justify the multiple.

In plain English: Central Pacific Financial is a small US regional bank that takes deposits and makes loans to businesses and individuals. Its profits have been growing, returns look solid, and it pays a dividend. The stock price looks reasonable compared with those profits and the value of its assets—not obviously cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer