Central Pacific FinancialCPF +0.54%65 FCF Margin % is 24.04% as of Mar. 2026, which is 33% below its 10-year median of 35.92. 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. Among 1,505 Banks companies, Central Pacific Financial ranks better than 57.81% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's FCF Margin % 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 FCF Margin % of 24.04% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Central Pacific Financial and its competitors. This is 33% below median its historical median of 35.92. Over the past decade, Central Pacific Financial's FCF Margin % has ranged from 20.91 to 48.47. According to the industry distribution chart, Central Pacific Financial ranks #635 out of 1505 companies in the Banks industry, placing it in the top 42.2%.
Is Central Pacific Financial's FCF Margin % too high?
Central Pacific Financial's current FCF Margin % of 24.04% is 33% below median its 10-year median of 35.92. Over the past 10 years, this metric has ranged from a low of 20.91 to a high of 48.47. The Banks industry median FCF Margin % is 26.42. Central Pacific Financial's value of 24.04% is 9% below this industry median. Based on the distribution chart, Central Pacific Financial ranks #635 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to HAFC and FSBC?
According to the Banks industry distribution chart, Central Pacific Financial ranks #635 out of 1505 companies for FCF Margin %. This puts Central Pacific Financial in the upper half of its industry. The industry median FCF Margin % is 26.42. Central Pacific Financial's value of 24.04% is 9% below this benchmark. Historically, Central Pacific Financial's own FCF Margin % has ranged from 20.91 to 48.47 over the past decade. While the company's 10-year median is 35.92 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current FCF Margin % of 24.04% is 9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current FCF Margin % is 24.04%, which is 33% below median its own 10-year median of 35.92. 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 FCF Margin % is 24.04%, which is 33% below median its 10-year median of 35.92 and 9% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current FCF Margin % is 24.04% 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:
FCF Margin %: 24.04% (33% below median its 10-year median of 35.92)
GF Value™: $30.33 vs. price of $37.17 (22.6% above fair value)
Industry Position: 9% below the Banks median (#635 of 1505)
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.
65GF Score
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