Central Pacific Financial Net Income
| CPF Stock | USD 33.68 0.70 2.12% |
As of the 3rd of February, Central Pacific shows the Downside Deviation of 1.95, risk adjusted performance of 0.0708, and Mean Deviation of 1.29. Central Pacific Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Central Pacific Financial maximum drawdown, and the relationship between the information ratio and downside variance to decide if Central Pacific Financial is priced correctly, providing market reflects its regular price of 33.68 per share. Given that Central Pacific has jensen alpha of 0.109, we suggest you to validate Central Pacific Financial's prevailing market performance to make sure the company can sustain itself at a future point.
Central Pacific Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.2179 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 61.4 M | 64.5 M | |
| Net Income Applicable To Common Shares | 61.4 M | 62.3 M | |
| Net Income From Continuing Ops | 48.1 M | 48.7 M | |
| Net Income Per Share | 2.90 | 3.05 | |
| Net Income Per E B T | 0.79 | 0.59 |
Central | Net Income | Build AI portfolio with Central Stock |
The Net Income trend for Central Pacific Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Central Pacific is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Central Pacific's Net Income Growth Pattern
Below is the plot of the Net Income of Central Pacific Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Central Pacific Financial financial statement analysis. It represents the amount of money remaining after all of Central Pacific Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Central Pacific's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Central Pacific's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 53.41 M | 10 Years Trend |
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Net Income |
| Timeline |
Central Net Income Regression Statistics
| Arithmetic Mean | 59,670,706 | |
| Geometric Mean | 49,517,445 | |
| Coefficient Of Variation | 58.39 | |
| Mean Deviation | 21,926,761 | |
| Median | 53,412,000 | |
| Standard Deviation | 34,841,141 | |
| Sample Variance | 1213.9T | |
| Range | 168.1M | |
| R-Value | 0.22 | |
| Mean Square Error | 1234.5T | |
| R-Squared | 0.05 | |
| Significance | 0.41 | |
| Slope | 1,489,630 | |
| Total Sum of Squares | 19422.5T |
Central Net Income History
Other Fundumenentals of Central Pacific Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Central Pacific Net Income component correlations
Central Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Central Pacific is extremely important. It helps to project a fair market value of Central Stock properly, considering its historical fundamentals such as Net Income. Since Central Pacific's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Central Pacific's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Central Pacific's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does Central have expansion opportunities? Factors like these will boost the valuation of Central Pacific. Projected growth potential of Central fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Central Pacific demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 1.028 | Dividend Share 1.09 | Earnings Share 2.92 | Revenue Per Share | Quarterly Revenue Growth 0.283 |
The market value of Central Pacific Financial is measured differently than its book value, which is the value of Central that is recorded on the company's balance sheet. Investors also form their own opinion of Central Pacific's value that differs from its market value or its book value, called intrinsic value, which is Central Pacific's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Central Pacific's market value can be influenced by many factors that don't directly affect Central Pacific's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Central Pacific's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Central Pacific should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Central Pacific's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Central Pacific 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Central Pacific's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Central Pacific.
| 11/05/2025 |
| 02/03/2026 |
If you would invest 0.00 in Central Pacific on November 5, 2025 and sell it all today you would earn a total of 0.00 from holding Central Pacific Financial or generate 0.0% return on investment in Central Pacific over 90 days. Central Pacific is related to or competes with MidWestOne Financial, Hanmi Financial, Capitol Federal, Heritage Financial, Business First, Five Star, and Amalgamated Bank. Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial bankin... More
Central Pacific Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Central Pacific's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Central Pacific Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.95 | |||
| Information Ratio | 0.0577 | |||
| Maximum Drawdown | 9.76 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.86 |
Central Pacific Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Central Pacific's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Central Pacific's standard deviation. In reality, there are many statistical measures that can use Central Pacific historical prices to predict the future Central Pacific's volatility.| Risk Adjusted Performance | 0.0708 | |||
| Jensen Alpha | 0.109 | |||
| Total Risk Alpha | 0.0373 | |||
| Sortino Ratio | 0.0536 | |||
| Treynor Ratio | 0.1665 |
Central Pacific February 3, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0708 | |||
| Market Risk Adjusted Performance | 0.1765 | |||
| Mean Deviation | 1.29 | |||
| Semi Deviation | 1.69 | |||
| Downside Deviation | 1.95 | |||
| Coefficient Of Variation | 1129.83 | |||
| Standard Deviation | 1.81 | |||
| Variance | 3.28 | |||
| Information Ratio | 0.0577 | |||
| Jensen Alpha | 0.109 | |||
| Total Risk Alpha | 0.0373 | |||
| Sortino Ratio | 0.0536 | |||
| Treynor Ratio | 0.1665 | |||
| Maximum Drawdown | 9.76 | |||
| Value At Risk | (2.19) | |||
| Potential Upside | 2.86 | |||
| Downside Variance | 3.8 | |||
| Semi Variance | 2.85 | |||
| Expected Short fall | (1.41) | |||
| Skewness | (0.48) | |||
| Kurtosis | 2.61 |
Central Pacific Financial Backtested Returns
Central Pacific appears to be very steady, given 3 months investment horizon. Central Pacific Financial secures Sharpe Ratio (or Efficiency) of 0.16, which signifies that the company had a 0.16 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Central Pacific Financial, which you can use to evaluate the volatility of the firm. Please makes use of Central Pacific's Downside Deviation of 1.95, risk adjusted performance of 0.0708, and Mean Deviation of 1.29 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Central Pacific holds a performance score of 12. The firm shows a Beta (market volatility) of 0.9, which signifies possible diversification benefits within a given portfolio. Central Pacific returns are very sensitive to returns on the market. As the market goes up or down, Central Pacific is expected to follow. Please check Central Pacific's total risk alpha, downside variance, daily balance of power, as well as the relationship between the maximum drawdown and skewness , to make a quick decision on whether Central Pacific's price patterns will revert.
Auto-correlation | 0.46 |
Average predictability
Central Pacific Financial has average predictability. Overlapping area represents the amount of predictability between Central Pacific time series from 5th of November 2025 to 20th of December 2025 and 20th of December 2025 to 3rd of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Central Pacific Financial price movement. The serial correlation of 0.46 indicates that about 46.0% of current Central Pacific price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.46 | |
| Spearman Rank Test | 0.09 | |
| Residual Average | 0.0 | |
| Price Variance | 0.42 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Central Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Central Pacific Financial reported net income of 53.41 M. This is 95.82% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 90.65% higher than that of the company.
Central Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Central Pacific's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Central Pacific could also be used in its relative valuation, which is a method of valuing Central Pacific by comparing valuation metrics of similar companies.Central Pacific is currently under evaluation in net income category among its peers.
Central Pacific ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Central Pacific's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Central Pacific's managers, analysts, and investors.Environmental | Governance | Social |
Central Pacific Institutional Holders
Institutional Holdings refers to the ownership stake in Central Pacific that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Central Pacific's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Central Pacific's value.| Shares | Ameriprise Financial Inc | 2025-06-30 | 502.2 K | Allianz Asset Management Ag | 2025-06-30 | 434.9 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 424.4 K | Nuveen, Llc | 2025-06-30 | 410.5 K | Manufacturers Life Insurance Co | 2025-06-30 | 367.6 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 356.5 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 343.4 K | Cramer Rosenthal Mcglynn Llc | 2025-06-30 | 333.5 K | Northern Trust Corp | 2025-06-30 | 323.1 K | Blackrock Inc | 2025-06-30 | 4 M | Vanguard Group Inc | 2025-06-30 | 2.1 M |
Central Fundamentals
| Return On Equity | 0.14 | |||
| Return On Asset | 0.0104 | |||
| Profit Margin | 0.28 % | |||
| Operating Margin | 0.38 % | |||
| Current Valuation | 582.48 M | |||
| Shares Outstanding | 26.37 M | |||
| Shares Owned By Insiders | 2.56 % | |||
| Shares Owned By Institutions | 97.37 % | |||
| Number Of Shares Shorted | 428.64 K | |||
| Price To Earning | 12.65 X | |||
| Price To Book | 1.42 X | |||
| Price To Sales | 3.15 X | |||
| Revenue | 362.32 M | |||
| Gross Profit | 276.99 M | |||
| EBITDA | 100.68 M | |||
| Net Income | 53.41 M | |||
| Cash And Equivalents | 138.7 M | |||
| Cash Per Share | 5.09 X | |||
| Total Debt | 127.64 M | |||
| Debt To Equity | 9.37 % | |||
| Book Value Per Share | 22.47 X | |||
| Cash Flow From Operations | 90.52 M | |||
| Short Ratio | 2.51 X | |||
| Earnings Per Share | 2.92 X | |||
| Price To Earnings To Growth | 2.48 X | |||
| Target Price | 36.5 | |||
| Number Of Employees | 697 | |||
| Beta | 0.94 | |||
| Market Capitalization | 873.1 M | |||
| Total Asset | 7.41 B | |||
| Retained Earnings | 191.38 M | |||
| Annual Yield | 0.04 % | |||
| Five Year Return | 3.70 % | |||
| Net Asset | 7.41 B | |||
| Last Dividend Paid | 1.09 |
About Central Pacific Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Central Pacific Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Central Pacific using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Central Pacific Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When determining whether Central Pacific Financial is a strong investment it is important to analyze Central Pacific's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Central Pacific's future performance. For an informed investment choice regarding Central Stock, refer to the following important reports:Check out You can also try the Odds Of Bankruptcy module to get analysis of equity chance of financial distress in the next 2 years.
Can Regional Banks industry sustain growth momentum? Does Central have expansion opportunities? Factors like these will boost the valuation of Central Pacific. Projected growth potential of Central fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Central Pacific demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 1.028 | Dividend Share 1.09 | Earnings Share 2.92 | Revenue Per Share | Quarterly Revenue Growth 0.283 |
The market value of Central Pacific Financial is measured differently than its book value, which is the value of Central that is recorded on the company's balance sheet. Investors also form their own opinion of Central Pacific's value that differs from its market value or its book value, called intrinsic value, which is Central Pacific's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Central Pacific's market value can be influenced by many factors that don't directly affect Central Pacific's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Central Pacific's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Central Pacific should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Central Pacific's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.