Central Pacific Financial Corp.
NYSE•CPF
CEO: Mr. Arnold D. Martines
セクター: Financial Services
業種: Banks - Regional
上場日: 1987-08-28
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.
連絡先情報
時価総額
$921.62M
PER (TTM)
11.8
14.6
配当利回り
3.2%
52週高値
$35.01
52週安値
$23.16
52週レンジ
順位35Top 29.9%
4.6
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$93.08M+16.29%
直近4四半期の推移
EPS
$0.86+104.76%
直近4四半期の推移
フリーCF
$0.00+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Net Interest Income Rises Taxable-equivalent NII grew 14.7% YTD to $178.8M; Q3 NIM expanded 42 bps to 3.49% due to higher asset yields.
Net Income Significantly Higher Nine-month net income reached $54.6M, up from $42.1M in 2024, supported by strong net interest income performance.
Loan Portfolio Shows Growth Total net loans increased 0.6% to $5.31B since year-end, led by Mainland commercial mortgage loans up $108.0M.
Capital Ratios Remain Strong CPF leverage capital ratio stood at 9.7%, significantly exceeding the 4.0% minimum requirement for capital adequacy purposes.
リスク要因
Nonaccrual Loans Increased Total nonaccrual loans rose 30.0% to $14.3M from year-end, increasing the ratio of NPAs to total assets to 0.19%.
Evolving Interest Rate Outlook FOMC cut rates to 4.00%-4.25% in Sept 2025, signaling potential further cuts, which could pressure future net interest margin.
Criticized Loans Deterioration Criticized loans grew $62.3M to $95.1M, driven by downgrades in commercial real estate participation loans during Q2 2025.
Slight Deposit Portfolio Decline Total deposits decreased 1.0% to $6.58B since year-end, driven by declines in savings and time deposits under $250K.
見通し
Hawaii Economic Headwinds UHERO forecasts a mild recession in Hawaii driven by tourism decline and weakening U.S./global conditions through year-end 2025.
Subordinated Note Redemption Planned Company provided notice to redeem $55.0M subordinated notes at par on November 1, 2025, impacting future interest expense.
Mainland Loan Portfolio Expansion U.S. Mainland loan portfolio grew 18.0% YTD, driven by commercial mortgage increases, supporting geographic diversification goals.
同業比較
売上高 (TTM)
MCB$527.15M
$511.93M
AMAL$455.03M
粗利益率 (最新四半期)
88.4%
82.0%
81.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| AMAL | $1.23B | 11.8 | 13.7% | 1.1% |
| MOFG | $1.02B | 17.4 | 10.0% | 1.6% |
| CFFN | $1.02B | 13.7 | 7.0% | 18.7% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.2%
緩やかな成長
4四半期純利益CAGR
8.8%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月21日
EPS:-
|売上高:-
財務レポート
財務データ
ニュース
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年10月29日|売上高: $92.19M+3.1%|EPS: $0.69+40.8%予想を下回るForm 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月5日|売上高: $89.94M+3.9%|EPS: $0.68+17.2%予想を上回るForm 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年4月30日|売上高: $87.11M+3.1%|EPS: $0.66+37.5%予想を上回るForm 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年2月26日|売上高: $340.48M+6.5%|EPS: $1.97-9.2%予想を上回るForm 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年10月30日|売上高: $89.38M+10.4%|EPS: $0.49+0.0%予想を下回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年7月31日|売上高: $86.59M+10.2%|EPS: $0.58+7.4%予想を上回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年4月24日|売上高: $84.48M+10.5%|EPS: $0.48-20.0%予想を上回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年2月21日|売上高: $319.63M+15.4%|EPS: $2.17-19.6%予想を上回る