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During the past 12 months, Central Pacific Financial's average EPS without NRIGrowth Rate was 20.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 4.10% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 9.50% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 7.00% per year.
During the past 13 years, Central Pacific Financial's highest 3-Year average EPS without NRI Growth Rate 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) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Central Pacific Financial Earnings per Share (Diluted) Related Terms
Central Pacific Financial Earnings per Share (Diluted) Historical Data
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The historical data trend for Central Pacific Financial's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
CPF vs FSBC, FBAK, MBWM: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Central Pacific Financial's PE Ratio, along with its competitors' market caps and 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's PE Ratio falls into.
Central Pacific Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Central Pacific Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.12
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $3.12 mean?
Central Pacific Financial (CPF) has a Earnings per Share (Diluted) of $3.12 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Central Pacific Financial and its competitors. According to the industry distribution chart, Central Pacific Financial ranks #837 out of 1412 companies in the Banks industry, placing it in the top 59.3%.
Is Central Pacific Financial's Earnings per Share (Diluted) too high?
Central Pacific Financial's current Earnings per Share (Diluted) is $3.12. The Banks industry median Earnings per Share (Diluted) is 7.30. Central Pacific Financial's value of $3.12 is 57.3% below this industry median. Based on the distribution chart, Central Pacific Financial ranks #837 out of 1412 companies in the Banks industry, which is below the industry midpoint. Overall, Central Pacific Financial has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's Earnings per Share (Diluted) compare to FSBC and FBAK?
According to the Banks industry distribution chart, Central Pacific Financial ranks #837 out of 1412 companies for Earnings per Share (Diluted). This places Central Pacific Financial in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Central Pacific Financial's value of $3.12 is 57.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current Earnings per Share (Diluted) of $3.12 is 57.3% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current Earnings per Share (Diluted) is $3.12. 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 Significantly Overvalued. The stock's GF Value™ is $29.84, compared to a current price of $39.68 — trading 33% above its estimated fair value. The current Earnings per Share (Diluted) is $3.12 and 57.3% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Earnings per Share (Diluted) is $3.12 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 $39.68 is trading 33% above its estimated GF Value™ of $29.84.
GuruFocus considers Central Pacific Financial to be Significantly Overvalued.
Key valuation signals for CPF:
Earnings per Share (Diluted): $3.12
GF Value™: $29.84 vs. price of $39.68 (33% above fair value)
Industry Position: 57.3% below the Banks median (#837 of 1412)
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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Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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