Valuation remains strong (avg 90/100), but growth is pulling the composite down (avg 50/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.7x book, reasonable for a financial
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
10–15%, healthy ROE
7.8% equity/assets, adequate
Net margin expanded 3+pp, strong improvement
Central Pacific Financial (CPF) quality: score, margins and returns
Central Pacific Financial (CPF) scores 77/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Central Pacific Financial (CPF) a high-quality business?+
Central Pacific Financial scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Central Pacific Financial's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from CPF's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Central Pacific Financial scores well and where it falls behind.
How profitable is Central Pacific Financial?+
Central Pacific Financial runs a net margin of about 165.3%. Revenue has grown at roughly 21.3% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 23 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 29 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
State Commercial Banks · Pick stocks to compare with CPF
Held by ETFs
CPF is in 62 US ETFs. The largest of them, with CPF's weight in each:
Schwab U.S. Dividend Equity ETFSCHD0.02%of the fund
iShares Core S&P Small-Cap ETFIJR0.06%of the fund
iShares Russell 2000 ETFIWM0.03%of the fund
Avantis U.S. Small Cap Value ETFAVUV0.10%of the fund
Vanguard Russell 2000 ETFVTWO0.03%of the fund
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM0.06%of the fund
Spot a number that looks wrong? Check it in CPF's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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