CPF (Central Pacific Financial) E10: $2.49 (As of Mar. 2026)


CPF Central Pacific Financial Corp CPF
65 GF Score
Price $37.17
GF Value $30.33
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Central Pacific Financial E10?

Central Pacific Financial CPF +0.54% 65 E10 is $2.49 as of Mar. 2026. GuruFocus rates CPF with a GF Score™ of 65/100 and a GF Value™ of $30.33 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Central Pacific Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.780. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.49 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Central Pacific Financial's average E10 Growth Rate was 7.80% per year. During the past 3 years, the average E10 Growth Rate was 0.40% per year. During the past 5 years, the average E10 Growth Rate was 1.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Central Pacific Financial was 28.10% per year. The lowest was -132.60% per year. And the median was 2.20% per year.

As of today (2026-06-24), Central Pacific Financial's current stock price is $37.17. Central Pacific Financial's E10 for the quarter that ended in Mar. 2026 was $2.49. Central Pacific Financial's Shiller PE Ratio of today is 14.93.

During the past 13 years, the highest Shiller PE Ratio of Central Pacific Financial was 15.29. The lowest was 6.58. And the median was 11.47.


Central Pacific Financial  (NYSE:CPF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Central Pacific Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=37.17/2.49
=14.93

* 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 Shiller P/E Ratio of Central Pacific Financial was 15.29. The lowest was 6.58. And the median was 11.47.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Central Pacific Financial E10 Related Terms


Central Pacific Financial E10 Historical Data

* Premium members only.

The historical data trend for Central Pacific Financial's E10 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 E10 Chart

Central Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.12 2.38 2.14 2.26 2.41

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
E10 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 2.31 2.35 2.38 2.41 2.49

CPF vs HAFC, FSBC, SBNC: E10 Comparison

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

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

* The bar in red indicates where Central Pacific Financial's Shiller PE Ratio falls into.


CPF
65GF Score
Central Pacific Financial Corp CPF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Central Pacific Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.78/330.2130*330.2130
=0.780

Current CPI (Mar. 2026) = 330.2130.

Central Pacific Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.390 241.018 0.534
201609 0.370 241.428 0.506
201612 0.390 241.432 0.533
201703 0.420 243.801 0.569
201706 0.390 244.955 0.526
201709 0.390 246.819 0.522
201712 0.140 246.524 0.188
201803 0.480 249.554 0.635
201806 0.480 251.989 0.629
201809 0.520 252.439 0.680
201812 0.540 251.233 0.710
201903 0.550 254.202 0.714
201906 0.470 256.143 0.606
201909 0.510 256.759 0.656
201912 0.500 256.974 0.643
202003 0.290 258.115 0.371
202006 0.350 257.797 0.448
202009 0.240 260.280 0.304
202012 0.430 260.474 0.545
202103 0.640 264.877 0.798
202106 0.660 271.696 0.802
202109 0.740 274.310 0.891
202112 0.800 278.802 0.948
202203 0.700 287.504 0.804
202206 0.640 296.311 0.713
202209 0.610 296.808 0.679
202212 0.740 296.797 0.823
202303 0.600 301.836 0.656
202306 0.530 305.109 0.574
202309 0.490 307.789 0.526
202312 0.550 306.746 0.592
202403 0.480 312.332 0.507
202406 0.580 314.175 0.610
202409 0.490 315.301 0.513
202412 0.420 315.605 0.439
202503 0.650 319.799 0.671
202506 0.670 322.561 0.686
202509 0.690 324.800 0.701
202512 0.850 324.054 0.866
202603 0.780 330.213 0.780

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.49 mean?
Central Pacific Financial (CPF) has a E10 of $2.49 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Central Pacific Financial and its competitors.
Is Central Pacific Financial's E10 too high?
Central Pacific Financial's current E10 is $2.49. Overall, Central Pacific Financial has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's E10 compare to HAFC and FSBC?
Central Pacific Financial's E10 of $2.49 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current E10 is $2.49. 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 $30.33, compared to a current price of $37.17 — trading 22.6% above its estimated fair value. The current E10 is $2.49. Central Pacific Financial's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current E10 is $2.49 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 $37.17 is trading 22.6% above its estimated GF Value™ of $30.33. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

  • E10: $2.49
  • GF Value™: $30.33 vs. price of $37.17 (22.6% above fair value)
  • GF Score™: 65/100 with 5 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.
65GF Score

Get the complete analysis for CPF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.17
Price
$30.33
GF Value