CPF (Central Pacific Financial) Cyclically Adjusted FCF per Share: $3.41 (As of Mar. 2026)


CPF Central Pacific Financial Corp CPF
63 GF Score
Price $38.38
GF Value $30.23
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Central Pacific Financial Cyclically Adjusted FCF per Share?

Central Pacific Financial CPF -1.34% 63 Cyclically Adjusted FCF per Share is $3.41 as of Mar. 2026. GuruFocus rates CPF with a GF Score™ of 63/100 and a GF Value™ of $30.23 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Central Pacific Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.654. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.41 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Central Pacific Financial's average Cyclically Adjusted FCF Growth Rate was 3.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 5.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 9.30% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -28.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Central Pacific Financial was 29.30% per year. The lowest was -61.90% per year. And the median was 5.10% per year.

As of today (2026-07-02), Central Pacific Financial's current stock price is $38.38. Central Pacific Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $3.41. Central Pacific Financial's Cyclically Adjusted Price-to-FCF of today is 11.26.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Central Pacific Financial was 13.55. The lowest was 0.52. And the median was 5.89.


Central Pacific Financial  (NYSE:CPF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Central Pacific Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=38.38/3.41
=11.26

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Central Pacific Financial was 13.55. The lowest was 0.52. And the median was 5.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Central Pacific Financial Cyclically Adjusted FCF per Share Related Terms


Central Pacific Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Central Pacific Financial's Cyclically Adjusted FCF per Share can be seen below:

* 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 Cyclically Adjusted FCF per Share Chart

Central Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.51 2.91 3.10 3.24 3.38

Central Pacific Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.30 3.40 3.36 3.38 3.41

CPF vs WTBFA, MBWM, AMTB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Central Pacific Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Central Pacific Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Central Pacific Financial's Cyclically Adjusted Price-to-FCF falls into.


CPF
63GF Score
Central Pacific Financial Corp CPF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Central Pacific Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Central Pacific Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.654/330.2130*330.2130
=0.654

Current CPI (Mar. 2026) = 330.2130.

Central Pacific Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.799 241.018 1.095
201609 0.544 241.428 0.744
201612 0.166 241.432 0.227
201703 1.406 243.801 1.904
201706 0.339 244.955 0.457
201709 0.580 246.819 0.776
201712 0.612 246.524 0.820
201803 0.972 249.554 1.286
201806 0.647 251.989 0.848
201809 0.945 252.439 1.236
201812 0.821 251.233 1.079
201903 0.866 254.202 1.125
201906 0.399 256.143 0.514
201909 0.436 256.759 0.561
201912 0.561 256.974 0.721
202003 0.907 258.115 1.160
202006 0.702 257.797 0.899
202009 -0.865 260.280 -1.097
202012 1.055 260.474 1.337
202103 0.379 264.877 0.472
202106 1.182 271.696 1.437
202109 0.371 274.310 0.447
202112 1.194 278.802 1.414
202203 0.307 287.504 0.353
202206 0.982 296.311 1.094
202209 1.138 296.808 1.266
202212 1.051 296.797 1.169
202303 0.533 301.836 0.583
202306 0.944 305.109 1.022
202309 1.201 307.789 1.288
202312 0.736 306.746 0.792
202403 0.507 312.332 0.536
202406 0.784 314.175 0.824
202409 0.574 315.301 0.601
202412 0.911 315.605 0.953
202503 0.718 319.799 0.741
202506 1.192 322.561 1.220
202509 0.789 324.800 0.802
202512 0.713 324.054 0.727
202603 0.654 330.213 0.654

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $3.41 mean?
Central Pacific Financial (CPF) has a Cyclically Adjusted FCF per Share of $3.41 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Central Pacific Financial and its competitors.
Is Central Pacific Financial's Cyclically Adjusted FCF per Share too high?
Central Pacific Financial's current Cyclically Adjusted FCF per Share is $3.41. Overall, Central Pacific Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's Cyclically Adjusted FCF per Share compare to WTBFA and MBWM?
Central Pacific Financial's Cyclically Adjusted FCF per Share of $3.41 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current Cyclically Adjusted FCF per Share is $3.41. 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 $30.23, compared to a current price of $38.38 — trading 27% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.41. Central Pacific Financial's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Cyclically Adjusted FCF per Share is $3.41 as of Mar. 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 $38.38 is trading 27% above its estimated GF Value™ of $30.23. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

  • Cyclically Adjusted FCF per Share: $3.41
  • GF Value™: $30.23 vs. price of $38.38 (27% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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 Business Description

Address 220 South King Street, Honolulu, HI, USA, 96813
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.
63GF Score

Get the complete analysis for CPF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.38
Price
$30.23
GF Value