Central Pacific Financial (FRA:XCP1) Cyclically Adjusted PS Ratio: (As of Sep. 22, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:XCP1 Central Pacific Financial Corp FRA:XCP1
67 GF Score
Price €32.80
GF Value €26.61
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Central Pacific Financial Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Central Pacific Financial  (FRA:XCP1) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Central Pacific Financial Cyclically Adjusted PS Ratio Related Terms


Central Pacific Financial Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Central Pacific Financial's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Central Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.07 2.71 2.34 3.02 3.10

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 PS Ratio 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 2.60 2.93 3.08 3.05 3.59

FRA:XCP1 vs TRST, FMCB, SBNC: Cyclically Adjusted PS Ratio Comparison

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

For the Banks industry and Financial Services sector, Central Pacific Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Central Pacific Financial's Cyclically Adjusted PS Ratio falls into.


FRA:XCP1
67GF Score
Central Pacific Financial Corp FRA:XCP1
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Central Pacific Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Central Pacific Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Central Pacific Financial's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.551/333.9520*333.9520
=2.551

Current CPI (Jun. 2026) = 333.9520.

Central Pacific Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.397 241.428 1.932
201612 1.478 241.432 2.044
201703 1.538 243.801 2.107
201706 1.451 244.955 1.978
201709 1.434 246.819 1.940
201712 1.444 246.524 1.956
201803 1.371 249.554 1.835
201806 1.467 251.989 1.944
201809 1.553 252.439 2.054
201812 1.613 251.233 2.144
201903 1.713 254.202 2.250
201906 1.710 256.143 2.229
201909 1.750 256.759 2.276
201912 1.821 256.974 2.366
202003 1.773 258.115 2.294
202006 1.939 257.797 2.512
202009 1.843 260.280 2.365
202012 1.948 260.474 2.498
202103 1.765 264.877 2.225
202106 1.826 271.696 2.244
202109 1.977 274.310 2.407
202112 2.014 278.802 2.412
202203 1.930 287.504 2.242
202206 2.377 296.311 2.679
202209 2.345 296.808 2.638
202212 2.374 296.797 2.671
202303 2.240 301.836 2.478
202306 2.145 305.109 2.348
202309 2.104 307.789 2.283
202312 2.077 306.746 2.261
202403 2.090 312.332 2.235
202406 2.193 314.175 2.331
202409 2.228 315.301 2.360
202412 1.961 315.605 2.075
202503 2.401 319.799 2.507
202506 2.372 322.561 2.456
202509 2.363 324.800 2.430
202512 2.388 324.054 2.461
202603 2.359 330.213 2.386
202606 2.551 333.952 2.551

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

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 €32.80 is trading 23.3% above its estimated GF Value™ of €26.61. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for FRA:XCP1:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €26.61 vs. price of €32.80 (23.3% above fair value)
  • GF Score™: 67/100 with 5 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 PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.80
Price
€26.61
GF Value