Central Pacific Financial (FRA:XCP1) Cyclically Adjusted FCF per Share: €2.92 (As of Mar. 2026)

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FRA:XCP1 Central Pacific Financial Corp FRA:XCP1
67 GF Score
Price €34.20
GF Value €25.72
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Central Pacific Financial Cyclically Adjusted FCF per Share?

Central Pacific Financial FRA:XCP1 +1.79% 67 Cyclically Adjusted FCF per Share is €2.92 as of Mar. 2026. GuruFocus rates FRA:XCP1 with a GF Score™ of 67/100 and a GF Value™ of €25.72 (Significantly 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 €0.565. 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 €2.92 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 (2026-07-28), Central Pacific Financial's current stock price is €34.20. Central Pacific Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €2.92. Central Pacific Financial's Cyclically Adjusted Price-to-FCF of today is 11.71.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Central Pacific Financial was 13.55. The lowest was 0.54. And the median was 5.99.


Central Pacific Financial  (FRA:XCP1) 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
=34.20/2.92
=11.71

* 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 0.54. And the median was 5.99.


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 2.21 2.71 2.82 2.77 2.93

Central Pacific Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 2.72 2.84 2.93 2.92 0.00

FRA:XCP1 vs FSBC, FBAK, MBWM: 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.


FRA:XCP1
67GF Score
Central Pacific Financial Corp FRA:XCP1
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)
=0.565/330.2130*330.2130
=0.565

Current CPI (Mar. 2026) = 330.2130.

Central Pacific Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.711 241.018 0.974
201609 0.485 241.428 0.663
201612 0.157 241.432 0.215
201703 1.315 243.801 1.781
201706 0.302 244.955 0.407
201709 0.487 246.819 0.652
201712 0.517 246.524 0.693
201803 0.788 249.554 1.043
201806 0.554 251.989 0.726
201809 0.810 252.439 1.060
201812 0.721 251.233 0.948
201903 0.767 254.202 0.996
201906 0.353 256.143 0.455
201909 0.396 256.759 0.509
201912 0.505 256.974 0.649
202003 0.820 258.115 1.049
202006 0.623 257.797 0.798
202009 -0.735 260.280 -0.932
202012 0.867 260.474 1.099
202103 0.318 264.877 0.396
202106 0.981 271.696 1.192
202109 0.315 274.310 0.379
202112 1.057 278.802 1.252
202203 0.279 287.504 0.320
202206 0.929 296.311 1.035
202209 1.149 296.808 1.278
202212 0.992 296.797 1.104
202303 0.497 301.836 0.544
202306 0.871 305.109 0.943
202309 1.126 307.789 1.208
202312 0.675 306.746 0.727
202403 0.467 312.332 0.494
202406 0.729 314.175 0.766
202409 0.517 315.301 0.541
202412 0.870 315.605 0.910
202503 0.665 319.799 0.687
202506 1.034 322.561 1.059
202509 0.672 324.800 0.683
202512 0.609 324.054 0.621
202603 0.565 330.213 0.565

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 €2.92 mean?
Central Pacific Financial (FRA:XCP1) has a Cyclically Adjusted FCF per Share of €2.92 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 €2.92. Overall, Central Pacific Financial has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's Cyclically Adjusted FCF per Share compare to FSBC and FBAK?
Central Pacific Financial's Cyclically Adjusted FCF per Share of €2.92 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 €2.92. 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 (FRA:XCP1) is currently considered Significantly Overvalued. The stock's GF Value™ is €25.72, compared to a current price of €34.20 — trading 33% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €2.92. Central Pacific Financial's overall GF Score™ is 67/100 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 (FRA:XCP1), the current Cyclically Adjusted FCF per Share is €2.92 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 (FRA:XCP1) Overvalued in 2026?

Based on GuruFocus' analysis, Central Pacific Financial stock appears to be overvalued. The current stock price of €34.20 is trading 33% above its estimated GF Value™ of €25.72. GuruFocus considers Central Pacific Financial to be Significantly Overvalued.

Key valuation signals for FRA:XCP1:

  • Cyclically Adjusted FCF per Share: €2.92
  • GF Value™: €25.72 vs. price of €34.20 (33% above fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the FRA:XCP1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Central Pacific Financial Business Description

Other Exchanges CPF:USA
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.
67GF Score

Get the complete analysis for FRA:XCP1

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

€34.20
Price
€25.72
GF Value