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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Central Pacific Financial's Total Liabilities for the quarter that ended in Mar. 2026 was $6,901.5 Mil. Central Pacific Financial's Total Assets for the quarter that ended in Mar. 2026 was $7,495.4 Mil.
Therefore, Central Pacific Financial's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.92.
Central Pacific Financial (NYSE:CPF) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Central Pacific Financial Liabilities-to-Assets Related Terms
Central Pacific Financial Liabilities-to-Assets 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.
Central Pacific Financial Liabilities-to-Assets Chart
CPF vs FSBC, FBAK, MBWM: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Central Pacific Financial's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's Liabilities-to-Assets falls into.
Central Pacific Financial Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Central Pacific Financial's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.92 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Central Pacific Financial and its competitors.
Is Central Pacific Financial's Liabilities-to-Assets too high?
Central Pacific Financial's current Liabilities-to-Assets is 0.92. 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 Liabilities-to-Assets compare to FSBC and FBAK?
Central Pacific Financial's Liabilities-to-Assets of 0.92 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current Liabilities-to-Assets is 0.92. 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 Significantly Overvalued. The stock's GF Value™ is $29.88, compared to a current price of $39.06 — trading 30.7% above its estimated fair value. The current Liabilities-to-Assets is 0.92. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Liabilities-to-Assets is 0.92 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 $39.06 is trading 30.7% above its estimated GF Value™ of $29.88.
GuruFocus considers Central Pacific Financial to be Significantly Overvalued.
Key valuation signals for CPF:
Liabilities-to-Assets: 0.92
GF Value™: $29.88 vs. price of $39.06 (30.7% above fair value)
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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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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