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Central Pacific FinancialCPF +1.06%63 EV-to-OCF is 7.61 as of Jul. 28, 2026, which is 5% above its 10-year median of 7.25. GuruFocus rates CPF with a GF Score™ of 63/100 and a GF Value™ of $29.94 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, Central Pacific Financial ranks worse than 63.45% on this metric.
The historical rank and industry rank for Central Pacific Financial's EV-to-OCF or its related term are showing as below:
CPF'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.5 Med: 7.25 Max: 14.89
Current: 7.61
During the past 13 years, the highest EV-to-OCF of Central Pacific Financial was 14.89. The lowest was 1.50. And the median was 7.25.
CPF's EV-to-OCF is ranked worse than 63.45% of 1502
companies
in the Banks industry
Industry Median: 3.705
vs CPF: 7.61
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Central Pacific Financial (NYSE:CPF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Central Pacific Financial's PE Ratio (TTM) for today is calculated as:
Central Pacific Financial's share price for today is $39.06.
Central Pacific Financial's 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 $3.120.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Central Pacific Financial EV-to-OCF Related Terms
Central Pacific Financial EV-to-OCF 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.
For the Banks - Regional subindustry, Central Pacific Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's EV-to-OCF falls into.
Central Pacific Financial's current Enterprise Value is $725.3 Mil.
Central Pacific Financial's Cash Flow from Operations 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 $95.4 Mil.
* 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 EV-to-OCF of 7.61 as of Jul. 28, 2026. This is near median its historical median of 7.25. Over the past decade, Central Pacific Financial's EV-to-OCF has ranged from 1.50 to 14.89. According to the industry distribution chart, Central Pacific Financial ranks #953 out of 1502 companies in the Banks industry, placing it in the top 63.4%.
Is Central Pacific Financial's EV-to-OCF too high?
Central Pacific Financial's current EV-to-OCF of 7.61 is near median its 10-year median of 7.25. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 14.89. The Banks industry median EV-to-OCF is 3.71. Central Pacific Financial's value of 7.61 is 105.4% above this industry median. Based on the distribution chart, Central Pacific Financial ranks #953 out of 1502 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's EV-to-OCF compare to FSBC and FBAK?
According to the Banks industry distribution chart, Central Pacific Financial ranks #953 out of 1502 companies for EV-to-OCF. This places Central Pacific Financial in the lower half of its industry. The industry median EV-to-OCF is 3.71. Central Pacific Financial's value of 7.61 is 105.4% above this benchmark. Historically, Central Pacific Financial's own EV-to-OCF has ranged from 1.50 to 14.89 over the past decade. While the company's 10-year median is 7.25 vs. the industry median of 3.71, Central Pacific Financial has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.71, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current EV-to-OCF of 7.61 is 105.4% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current EV-to-OCF is 7.61, which is near median its own 10-year median of 7.25. 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 $29.94, compared to a current price of $39.06 — trading 30.5% above its estimated fair value. The current EV-to-OCF is 7.61, which is near median its 10-year median of 7.25 and 105.4% above the Banks industry median of 3.71. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current EV-to-OCF is 7.61 as of Jul. 28, 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 $39.06 is trading 30.5% above its estimated GF Value™ of $29.94.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
EV-to-OCF: 7.61 (near median its 10-year median of 7.25)
GF Value™: $29.94 vs. price of $39.06 (30.5% above fair value)
Industry Position: 105.4% above the Banks median (#953 of 1502)
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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