CPF
Central Pacific Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: CPF
- PE Ratio
The current price-to-earnings ratio for Central Pacific Financial stock as of Jul 13, 2026 is 12.7. This is calculated based on the current EPS of $3.02 and the stock price of $38.35 per share. The P/E ratio has increased by 10% from the past four quarters average of 11.6.
CPF PE ratio history
The average historical PE ratio of Central Pacific Financial for the last ten years is 12.9. The current PE ratio of 12.7 is comparable to the historical average. In the past ten years, CPF's PE ratio was at its highest in the Dec 2017 quarter at 21.93, when the stock price was $29.83 and the EPS was $1.36. The lowest value was in the Jun 2023 quarter, when it reached 6.31 with a price of $15.71 and an EPS of $2.49.
Central Pacific Financial PE ratio by year
Maximum annual increase: 306.33% in 2014
Maximum annual decrease: -64.18% in 2013
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.82 | -26.64% | $31.16 | $2.88 |
| 2024 | 14.75 | 62.62% | $29.05 | $1.97 |
| 2023 | 9.07 | 20.77% | $19.68 | $2.17 |
| 2022 | 7.51 | -23.99% | $20.28 | $2.7 |
| 2021 | 9.88 | -30.86% | $28.17 | $2.85 |
| 2020 | 14.29 | -0.97% | $19.01 | $1.33 |
| 2019 | 14.43 | 19.75% | $29.58 | $2.05 |
| 2018 | 12.05 | -45.05% | $24.35 | $2.02 |
| 2017 | 21.93 | 6.1% | $29.83 | $1.36 |
| 2016 | 20.67 | 33.27% | $31.42 | $1.52 |
| 2015 | 15.51 | -22.1% | $22.02 | $1.42 |
| 2014 | 19.91 | 306.33% | $21.5 | $1.08 |
| 2013 | 4.9 | -64.18% | $20.08 | $4.1 |
| 2012 | 13.68 | 255.32% | $15.59 | $1.14 |
| 2011 | 3.85 | N/A | $12.92 | $3.36 |
Central Pacific Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 10.58 | -2.22% | $31.96 | $3.02 |
| Dec 2025 | 10.82 | -12.6% | $31.16 | $2.88 |
| Sep 2025 | 12.38 | -0.64% | $30.34 | $2.45 |
| Jun 2025 | 12.46 | -0.95% | $28.03 | $2.25 |
| Mar 2025 | 12.58 | -14.71% | $27.04 | $2.15 |
| Dec 2024 | 14.75 | 4.98% | $29.05 | $1.97 |
| Sep 2024 | 14.05 | 39.11% | $29.51 | $2.1 |
| Jun 2024 | 10.1 | 5.32% | $21.2 | $2.1 |
| Mar 2024 | 9.59 | 5.73% | $19.75 | $2.06 |
| Dec 2023 | 9.07 | 28.84% | $19.68 | $2.17 |
| Sep 2023 | 7.04 | 11.57% | $16.68 | $2.37 |
| Jun 2023 | 6.31 | -8.68% | $15.71 | $2.49 |
| Mar 2023 | 6.91 | -7.99% | $17.9 | $2.59 |
| Dec 2022 | 7.51 | -0.13% | $20.28 | $2.7 |
| Sep 2022 | 7.52 | 0.94% | $20.69 | $2.75 |
CPF Price vs fair value
CPF average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CPF's current P/E ratio is above the 3 and 5-year historical averages, but it is lower than the 10-year average.
PE comparison
With a P/E of 12.7, CPF stands below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 13.38, Central Pacific Financial's P/E is 5% lower.
CPF PE vs peers
CPF's PE ratio is lower than its peer stocks EWBC and CVBF, but it is greater than BANR's and CWBC's. Central Pacific Financial is presently trading at a lower PE ratio (12.7) than its peer group average of 13.36.
| Stock name | PE ratio | Market cap |
|---|---|---|
| BANR Banner Corp | 11.49 | $2.33B |
| BSRR Sierra Bancorp | 12 | $539.91M |
| CWBC Community West Bancshares. | 12.48 | $734.79M |
| CPF Central Pacific Financial Corp | 12.7 | $1B |
| EWBC East West Bancorp Inc | 13.05 | $18B |
| CVBF Cvb Financial Corp | 14.67 | $3.96B |
| BOH Bank Of Hawaii Corp | 16.44 | $3.26B |
Frequently asked questions
What is Central Pacific Financial's PE ratio?
The price to earnings ratio for CPF stock as of Jul 13, 2026, stands at 12.7.
What is the 3-year average PE ratio for Central Pacific Financial (CPF)?
Over the last 3 years, the average price to earnings ratio for CPF stock is 11.22.
What is the 5-year average PE ratio for Central Pacific Financial (CPF)?
Over the last 5 years, the average price to earnings ratio for CPF stock is 9.95.
What is the highest PE ratio for CPF?
The highest quarterly PE ratio in the last ten years has been 21.93 and it was in the Dec 2017 quarter.
How does the current PE ratio for CPF compare to its historical average?
The current price to earnings ratio of CPF is 1.6% lower than the 10-year historical average.
How is CPF's PE ratio calculated (Central Pacific Financial PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jul 13, 2026), Central Pacific Financial's stock price is $38.35. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.02. Therefore, Central Pacific Financial's P/E ratio for today is 12.7. PE RATIO(12.7) = STOCK PRICE($38.35) / TTM EPS($3.02)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.