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Central Pacific FinancialCPF 67 Cash-to-Debt is 3.81 as of Jun. 2026, which is 263% above its 10-year median of 1.05. GuruFocus rates CPF with a GF Score™ of 67/100 and a GF Value™ of $31.40 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,492 Banks companies, Central Pacific Financial ranks better than 73.19% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Central Pacific Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.81.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Central Pacific Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Central Pacific Financial's Cash-to-Debt or its related term are showing as below:
CPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25 Med: 1.05 Max: 4
Current: 3.81
During the past 13 years, Central Pacific Financial's highest Cash to Debt Ratio was 4.00. The lowest was 0.25. And the median was 1.05.
CPF's Cash-to-Debt is ranked better than 73.19% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs CPF: 3.81
Central Pacific Financial (NYSE:CPF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Central Pacific Financial Cash-to-Debt Related Terms
Central Pacific Financial Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Central Pacific Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Central Pacific Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Central Pacific Financial (CPF) has a Cash-to-Debt of 3.81 as of Jun. 2026. This is 263% above median its historical median of 1.05. Over the past decade, Central Pacific Financial's Cash-to-Debt has ranged from 0.25 to 4.00. According to the industry distribution chart, Central Pacific Financial ranks #400 out of 1492 companies in the Banks industry, placing it in the top 26.8%.
Is Central Pacific Financial's Cash-to-Debt too high?
Central Pacific Financial's current Cash-to-Debt of 3.81 is 263% above median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 4.00. The Banks industry median Cash-to-Debt is 1.37. Central Pacific Financial's value of 3.81 is 178.1% above this industry median. Based on the distribution chart, Central Pacific Financial ranks #400 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, Central Pacific Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's Cash-to-Debt compare to TRST and FMCB?
According to the Banks industry distribution chart, Central Pacific Financial ranks #400 out of 1492 companies for Cash-to-Debt. This puts Central Pacific Financial in the upper half of its industry. The industry median Cash-to-Debt is 1.37. Central Pacific Financial's value of 3.81 is 178.1% above this benchmark. Historically, Central Pacific Financial's own Cash-to-Debt has ranged from 0.25 to 4.00 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 1.37, Central Pacific Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current Cash-to-Debt of 3.81 is 178.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current Cash-to-Debt is 3.81, which is 263% above median its own 10-year median of 1.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Pacific Financial stock overvalued right now?
Based on GuruFocus' analysis, Central Pacific Financial (CPF) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.40, compared to a current price of $37.83 — trading 20.5% above its estimated fair value. The current Cash-to-Debt is 3.81, which is 263% above median its 10-year median of 1.05 and 178.1% above the Banks industry median of 1.37. Central Pacific Financial's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Cash-to-Debt is 3.81 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Central Pacific Financial (CPF) Overvalued in 2026?
Based on GuruFocus' analysis, Central Pacific Financial stock appears to be overvalued.
The current stock price of $37.83 is trading 20.5% above its estimated GF Value™ of $31.40.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
Cash-to-Debt: 3.81 (263% above median its 10-year median of 1.05)
GF Value™: $31.40 vs. price of $37.83 (20.5% above fair value)
Industry Position: 178.1% above the Banks median (#400 of 1492)
No single metric tells the full story. See the CPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Pacific Financial Corp operates in the financial services sector in the United States. It is a full-service commercial bank offering a broad range of banking products and services, including accepting time and demand deposits and originating loans. Bank's deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. The bank is not a member of the Federal Reserve System. The company's loans include commercial loans, construction loans, commercial and residential mortgage loans, and consumer loans. The company derives income from interest and fees on loans, interest on investment securities, and fees received in connection with deposits and other services. It operates in single segment which is Banking operations.
67GF Score
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