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Central Pacific FinancialCPF +1.01%67 3-Year EPS without NRI Growth Rate is 4.10% as of Jun. 2026, which is 65% below its 10-year median of 11.80. GuruFocus rates CPF with a GF Score™ of 67/100 and a GF Value™ of $31.63 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,405 Banks companies, Central Pacific Financial ranks worse than 60.07% on this metric.
During the past 12 months, Central Pacific Financial's average EPS without NRI Growth Rate was 21.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 9.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 7.00% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Central Pacific Financial was 98.20% per year. The lowest was -32.10% per year. And the median was 11.80% per year.
Central Pacific Financial (NYSE:CPF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Central Pacific Financial 3-Year EPS without NRI Growth Rate Related Terms
CPF vs TRST, FMCB, SBNC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Central Pacific Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's 3-Year EPS without NRI Growth Rate falls into.
Central Pacific Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 4.10% mean?
Central Pacific Financial (CPF) has a 3-Year EPS without NRI Growth Rate of 4.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Central Pacific Financial and its competitors. This is 65% below median its historical median of 11.80. According to the industry distribution chart, Central Pacific Financial ranks #844 out of 1405 companies in the Banks industry, placing it in the top 60.1%.
Is Central Pacific Financial's 3-Year EPS without NRI Growth Rate too high?
Central Pacific Financial's current 3-Year EPS without NRI Growth Rate of 4.10% is 65% below median its 10-year median of 11.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Central Pacific Financial's value of 4.10% is 45.3% below this industry median. Based on the distribution chart, Central Pacific Financial ranks #844 out of 1405 companies in the Banks industry, which is below the industry midpoint. Overall, Central Pacific Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's 3-Year EPS without NRI Growth Rate compare to TRST and FMCB?
According to the Banks industry distribution chart, Central Pacific Financial ranks #844 out of 1405 companies for 3-Year EPS without NRI Growth Rate. This places Central Pacific Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Central Pacific Financial's value of 4.10% is 45.3% below this benchmark. While the company's 10-year median is 11.80 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,405 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current 3-Year EPS without NRI Growth Rate of 4.10% is 45.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Central Pacific Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current 3-Year EPS without NRI Growth Rate is 4.10%, which is 65% below median its own 10-year median of 11.80. 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 $31.63, compared to a current price of $38.19 — trading 20.7% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 4.10%, which is 65% below median its 10-year median of 11.80 and 45.3% below the Banks industry median of 7.50. Central Pacific Financial's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current 3-Year EPS without NRI Growth Rate is 4.10% as of Jun. 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 $38.19 is trading 20.7% above its estimated GF Value™ of $31.63.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
3-Year EPS without NRI Growth Rate: 4.10% (65% below median its 10-year median of 11.80)
GF Value™: $31.63 vs. price of $38.19 (20.7% above fair value)
Industry Position: 45.3% below the Banks median (#844 of 1405)
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.
67GF Score
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