CPF (Central Pacific Financial) Long-Term Debt: $76.5 Mil (As of Mar. 2026)


CPF Central Pacific Financial Corp CPF
63 GF Score
Price $38.90
GF Value $30.23
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Central Pacific Financial Long-Term Debt?

Central Pacific Financial CPF +1.83% 63 Long-Term Debt is $76.5 Mil as of Mar. 2026. GuruFocus rates CPF with a GF Score™ of 63/100 and a GF Value™ of $30.23 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Central Pacific Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $76.5 Mil.

Central Pacific Financial's quarterly Long-Term Debt declined from Sep. 2025 ($131.5 Mil) to Dec. 2025 ($76.5 Mil) but then stayed the same from Dec. 2025 ($76.5 Mil) to Mar. 2026 ($76.5 Mil).

Central Pacific Financial's annual Long-Term Debt increased from Dec. 2023 ($156.1 Mil) to Dec. 2024 ($156.3 Mil) but then declined from Dec. 2024 ($156.3 Mil) to Dec. 2025 ($76.5 Mil).

Central Pacific Financial  (NYSE:CPF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Central Pacific Financial Long-Term Debt Related Terms

Central Pacific Financial Long-Term Debt Historical Data

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The historical data trend for Central Pacific Financial's Long-Term Debt 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 Long-Term Debt Chart

Central Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 105.62 105.86 156.10 156.35 76.55

Central Pacific Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 131.41 131.47 131.53 76.55 76.55
CPF
63GF Score
Central Pacific Financial Corp CPF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $76.5 Mil mean?
Central Pacific Financial (CPF) has a Long-Term Debt of $76.5 Mil as of Mar. 2026.
Is Central Pacific Financial's Long-Term Debt too high?
Central Pacific Financial's current Long-Term Debt is $76.5 Mil. 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 Long-Term Debt compare to WTBFA and MBWM?
Central Pacific Financial's Long-Term Debt of $76.5 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Central Pacific Financial's current Long-Term Debt is $76.5 Mil. 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 $30.23, compared to a current price of $38.90 — trading 28.7% above its estimated fair value. The current Long-Term Debt is $76.5 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Long-Term Debt is $76.5 Mil 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 $38.90 is trading 28.7% above its estimated GF Value™ of $30.23. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

  • Long-Term Debt: $76.5 Mil
  • GF Value™: $30.23 vs. price of $38.90 (28.7% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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 Business Description

Address 220 South King Street, Honolulu, HI, USA, 96813
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.90
Price
$30.23
GF Value