CPF (Central Pacific Financial) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Central Pacific Financial LT-Debt-to-Total-Asset?

Central Pacific Financial CPF +0.24% 65 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates CPF with a GF Score™ of 65/100 and a GF Value™ of $30.30 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Central Pacific Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Central Pacific Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.01). It may suggest that Central Pacific Financial is progressively becoming less dependent on debt to grow their business.

Central Pacific Financial (NYSE:CPF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Central Pacific Financial LT-Debt-to-Total-Asset Related Terms

Central Pacific Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Central Pacific Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Central Pacific Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.03

0.01

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.01	0.01

65GF Score

Central Pacific Financial Corp CPF

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Central Pacific Financial LT-Debt-to-Total-Asset Calculation

Central Pacific Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	102.096	/	7409.241
	=	0.01

Central Pacific Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	101.62	/	7495.363
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Central Pacific Financial (CPF) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Central Pacific Financial and its competitors.

Is Central Pacific Financial's LT-Debt-to-Total-Asset too high?

Central Pacific Financial's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to HAFC and FSBC?

Central Pacific Financial's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current LT-Debt-to-Total-Asset is 0.01. 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 $30.30, compared to a current price of $37.85 — trading 24.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Central Pacific Financial's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current LT-Debt-to-Total-Asset is 0.01 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 $37.85 is trading 24.9% above its estimated GF Value™ of $30.30. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $30.30 vs. price of $37.85 (24.9% above fair value)
GF Score™: 65/100 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

Industry Financial Services Banks

Comparable Companies HAFC FSBC SBNC TRST CCNE MBWM NBBK BFST MCBS FMCB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 220 South King Street, Honolulu, HI, USA, 96813

Website https://www.cpb.bank

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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$37.85

Price

$30.30

GF Value

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