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Central Pacific FinancialCPF -1.34%63 Debt-to-Equity is 0.17 as of Mar. 2026, which is 53% below its 10-year median of 0.36. GuruFocus rates CPF with a GF Score™ of 63/100 and a GF Value™ of $29.97 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Central Pacific Financial ranks better than 79.66% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Central Pacific Financial's Debt-to-Equity or its related term are showing as below:
CPF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.36 Max: 0.73
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Central Pacific Financial was 0.73. The lowest was 0.17. And the median was 0.36.
CPF's Debt-to-Equity is ranked better than 79.66% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs CPF: 0.17
Central Pacific Financial (NYSE:CPF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Central Pacific Financial Debt-to-Equity Related Terms
Central Pacific Financial Debt-to-Equity 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.
CPF vs WTBFA, MBWM, AMTB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Central Pacific Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's Debt-to-Equity 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 Debt-to-Equity of 0.17 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Central Pacific Financial and its competitors. This is 53% below median its historical median of 0.36. Over the past decade, Central Pacific Financial's Debt-to-Equity has ranged from 0.17 to 0.73. According to the industry distribution chart, Central Pacific Financial ranks #289 out of 1421 companies in the Banks industry, placing it in the top 20.3%.
Is Central Pacific Financial's Debt-to-Equity too high?
Central Pacific Financial's current Debt-to-Equity of 0.17 is 53% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.73. The Banks industry median Debt-to-Equity is 0.56. Central Pacific Financial's value of 0.17 is 69.6% below this industry median. Based on the distribution chart, Central Pacific Financial ranks #289 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to WTBFA and MBWM?
According to the Banks industry distribution chart, Central Pacific Financial ranks #289 out of 1421 companies for Debt-to-Equity. This places Central Pacific Financial in the top 20% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Central Pacific Financial's value of 0.17 is 69.6% below this benchmark. Historically, Central Pacific Financial's own Debt-to-Equity has ranged from 0.17 to 0.73 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.56, Central Pacific Financial has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current Debt-to-Equity of 0.17 is 69.6% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current Debt-to-Equity is 0.17, which is 53% below median its own 10-year median of 0.36. 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 $29.97, compared to a current price of $38.57 — trading 28.7% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 53% below median its 10-year median of 0.36 and 69.6% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Debt-to-Equity is 0.17 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 $38.57 is trading 28.7% above its estimated GF Value™ of $29.97.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
Debt-to-Equity: 0.17 (53% below median its 10-year median of 0.36)
GF Value™: $29.97 vs. price of $38.57 (28.7% above fair value)
Industry Position: 69.6% below the Banks median (#289 of 1421)
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.
63GF Score
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