Central Pacific Financial Future Growth

Future criteria checks 1/6

Central Pacific Financial is forecast to grow earnings and revenue by 12.5% and 8.2% per annum respectively. EPS is expected to grow by 15% per annum. Return on equity is forecast to be 14.2% in 3 years.

Key information

12.5%

Earnings growth rate

15.00%

EPS growth rate

Banks earnings growth	8.8%
Revenue growth rate	8.2%
Future return on equity	14.22%
Analyst coverage	Low
Last updated	18 Dec 2025

Recent future growth updates

Central Pacific Financial Corp. (NYSE:CPF) Analysts Are Pretty Bullish On The Stock After Recent Results

Nov 01

Recent updates

Central Pacific Financial (NYSE:CPF) Will Pay A Larger Dividend Than Last Year At $0.28

Nov 10

Central Pacific Financial Corp. (NYSE:CPF) Analysts Are Pretty Bullish On The Stock After Recent Results

Nov 01

Central Pacific Financial: Continued Margin Expansion To Drive Earnings

Aug 21

Central Pacific Financial (NYSE:CPF) Has Affirmed Its Dividend Of $0.26

Nov 02

Central Pacific Financial: Positive Earnings Outlook Seems Priced-In, Downgrading To Hold

Oct 12

Expanding Net Interest Margins And Critical Core Growth Elevate Bank's Prospects Amid Economic Shifts

Sep 24 Expansion in net interest margin and core deposit growth indicate operational efficiency and enhanced liquidity, suggesting positive future earnings and margin improvements.

Central Pacific Financial: Dividend Is Attractive But Earnings Outlook Is Worrisome

Jul 28

Central Pacific Financial (NYSE:CPF) Is Paying Out A Dividend Of $0.26

May 14

Central Pacific Financial (NYSE:CPF) Has Affirmed Its Dividend Of $0.26

Apr 30

Earnings and Revenue Growth Forecasts

NYSE:CPF - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2027	325	90	N/A	N/A	3
12/31/2026	309	82	N/A	N/A	3
12/31/2025	292	74	N/A	N/A	3
9/30/2025	261	66	98	103	N/A
6/30/2025	254	61	92	102	N/A
3/31/2025	248	58	81	94	N/A
12/31/2024	241	53	75	91	N/A
9/30/2024	245	57	71	86	N/A
6/30/2024	238	57	87	100	N/A
3/31/2024	235	55	92	104	N/A
12/31/2023	241	59	92	105	N/A
9/30/2023	247	64	101	116	N/A
6/30/2023	254	68	100	115	N/A
3/31/2023	264	71	102	123	N/A
12/31/2022	265	74	96	114	N/A
9/30/2022	270	76	101	118	N/A
6/30/2022	274	80	80	99	N/A
3/31/2022	271	81	86	100	N/A
12/31/2021	269	80	88	110	N/A
9/30/2021	256	70	85	111	N/A
6/30/2021	233	56	50	79	N/A
3/31/2021	216	47	36	65	N/A
12/31/2020	200	37	51	77	N/A
9/30/2020	196	39	37	60	N/A
6/30/2020	204	47	74	91	N/A
3/31/2020	210	51	66	78	N/A
12/31/2019	220	58	65	72	N/A
9/30/2019	219	60	73	77	N/A
6/30/2019	219	61	N/A	91	N/A
3/31/2019	216	61	N/A	99	N/A
12/31/2018	213	59	N/A	103	N/A
9/30/2018	209	48	N/A	99	N/A
6/30/2018	206	45	N/A	89	N/A
3/31/2018	206	42	N/A	81	N/A
12/31/2017	206	41	N/A	97	N/A
9/30/2017	205	49	N/A	84	N/A
6/30/2017	204	49	N/A	84	N/A
3/31/2017	203	49	N/A	98	N/A
12/31/2016	201	47	N/A	76	N/A
9/30/2016	194	46	N/A	82	N/A
6/30/2016	195	46	N/A	98	N/A
3/31/2016	197	47	N/A	83	N/A
12/31/2015	199	46	N/A	75	N/A
9/30/2015	205	48	N/A	71	N/A
6/30/2015	202	44	N/A	63	N/A
3/31/2015	195	41	N/A	68	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: CPF's forecast earnings growth (12.5% per year) is above the savings rate (3.3%).

Earnings vs Market: CPF's earnings (12.5% per year) are forecast to grow slower than the US market (15.9% per year).

High Growth Earnings: CPF's earnings are forecast to grow, but not significantly.

Revenue vs Market: CPF's revenue (8.2% per year) is forecast to grow slower than the US market (10.4% per year).

High Growth Revenue: CPF's revenue (8.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: CPF's Return on Equity is forecast to be low in 3 years time (14.2%).

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/05 08:31
End of Day Share Price	2026/01/02 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Central Pacific Financial Corp. is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Joseph Gladue	B. Riley Securities, Inc.
Kelly Motta	Keefe, Bruyette, & Woods
John Moran	Macquarie Research

Central Pacific Financial Future Growth

Future criteria checks 1/6

Key information

Recent future growth updates

Central Pacific Financial Corp. (NYSE:CPF) Analysts Are Pretty Bullish On The Stock After Recent Results

Consensus EPS estimates increase by 10%

Price target increased by 9.1% to US$24.00

Price target decreased by 9.5% to US$19.00

Recent updates

Upcoming dividend of US$0.28 per share

Central Pacific Financial (NYSE:CPF) Will Pay A Larger Dividend Than Last Year At $0.28

Central Pacific Financial Corp. and Central Pacific Bank Announces Resignation of Paul K. Yonamine as Board of Director, Effective November 6, 2025

Central Pacific Financial Corp. (NYSE:CPF) Analysts Are Pretty Bullish On The Stock After Recent Results

Third quarter dividend of US$0.28 announced

Third quarter 2025 earnings: EPS misses analyst expectations

Central Pacific Financial Corp. Declares Quarterly Cash Dividend, Payable on December 15, 2025

Central Pacific Financial Corp. to Report Q3, 2025 Results on Oct 29, 2025

Central Pacific Financial Corp. and Central Pacific Bank Announces Resignation of A. Catherine Ngo from Board of Directors, Effective October 1, 2025

Director notifies of intention to sell stock

Upcoming dividend of US$0.27 per share

Central Pacific Financial: Continued Margin Expansion To Drive Earnings

Second quarter dividend of US$0.27 announced

Second quarter 2025 earnings: EPS and revenues exceed analyst expectations

Central Pacific Financial Corp. Reports Net Charge-Offs for the Second Quarter of 2025

Director notifies of intention to sell stock

Director notifies of intention to sell stock

Central Pacific Financial Corp. to Report Q2, 2025 Results on Jul 25, 2025

Director notifies of intention to sell stock

Upcoming dividend of US$0.27 per share

Director notifies of intention to sell stock

First quarter dividend of US$0.27 announced

First quarter 2025 earnings: EPS exceeds analyst expectations

Central Pacific Financial Corp. Declares Quarterly Cash Dividend, Payable on June 16, 2025

Central Pacific Financial Corp. to Report Q1, 2025 Results on Apr 23, 2025

Central Pacific Financial Corp. and Central Pacific Bank Promote Dayna Matsumoto to Chief Financial Officer, Effective March 1, 2025

Full year 2024 earnings: EPS and revenues miss analyst expectations

Upcoming dividend of US$0.27 per share

Fourth quarter dividend increased to US$0.27

Full year 2024 earnings: EPS and revenues miss analyst expectations

Central Pacific Financial Corp. (NYSE:CPF) announces an Equity Buyback for $30 million worth of its shares.

Central Pacific Financial Corp. to Report Q4, 2024 Results on Jan 29, 2025

Upcoming dividend of US$0.26 per share

Investor sentiment improves as stock rises 17%

Central Pacific Financial (NYSE:CPF) Has Affirmed Its Dividend Of $0.26

Third quarter dividend of US$0.26 announced

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Central Pacific Financial Corp. to Report Q3, 2024 Results on Oct 30, 2024

Central Pacific Financial: Positive Earnings Outlook Seems Priced-In, Downgrading To Hold

Expanding Net Interest Margins And Critical Core Growth Elevate Bank's Prospects Amid Economic Shifts

Central Pacific Financial's (NYSE:CPF) Dividend Will Be $0.26

Consensus EPS estimates increase by 10%

Second quarter dividend of US$0.26 announced

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

Central Pacific Financial Corp. Declares Quarterly Cash Dividend, Payable on September 16, 2024

Central Pacific Financial Corp. to Report Q2, 2024 Results on Jul 31, 2024

Upcoming dividend of US$0.26 per share

First quarter dividend of US$0.26 announced

First quarter 2024 earnings: EPS exceeds analyst expectations

Central Pacific Financial Corp. Declares Quarterly Cash Dividend, Payable on June 17, 2024

Chairman recently sold US$63k worth of stock

Central Pacific Financial Corp. to Report Q1, 2024 Results on Apr 24, 2024

Central Pacific Financial Corp. and Central Pacific Bank Announce Christine Camp Steps Down from the Boards

Central Pacific Financial Corp., Annual General Meeting, Apr 25, 2024

Upcoming dividend of US$0.26 per share

Fourth quarter dividend of US$0.26 announced

Full year 2023 earnings: EPS and revenues exceed analyst expectations

Price target increased by 9.1% to US$24.00

Central Pacific Financial Corp. (NYSE:CPF) announces an Equity Buyback for $20 million worth of its shares.

Central Pacific Financial Corp. to Report Q4, 2023 Results on Jan 31, 2024

Chairman recently sold US$64k worth of stock

Central Pacific Financial Corp. Appoints Robert Nobriga as Board of Directors, Effective January 1, 2024

Upcoming dividend of US$0.26 per share at 6.0% yield

Central Pacific Financial (NYSE:CPF) Is Due To Pay A Dividend Of $0.26

Third quarter 2023 earnings: EPS misses analyst expectations

Central Pacific Financial Corp. Declares Quarterly Cash Dividend, Payable on December 15, 2023

Chairman notifies of intention to sell stock

Central Pacific Financial Corp. to Report Q3, 2023 Results on Oct 25, 2023

Central Pacific Financial (NYSE:CPF) Is Due To Pay A Dividend Of $0.26

Upcoming dividend of US$0.26 per share at 6.1% yield

Chairman notifies of intention to sell stock