CPF (Central Pacific Financial) Moat Score: 4/10 (As of Jun. 27, 2026)


CPF Central Pacific Financial Corp CPF
65 GF Score
Price $37.85
GF Value $30.30
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Central Pacific Financial Moat Score?

Central Pacific Financial CPF +0.24% 65 Moat Score is 4 as of Jun. 27, 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. Among 1,610 Banks companies, Central Pacific Financial ranks better than 86.15% on this metric.

Central Pacific Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Central Pacific Financial has Narrow Moat: Central Pacific Financial Corp has a discernible moat due to its regional market presence and some customer switching costs. However, it lacks strong brand strength and regulatory barriers, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Central Pacific Financial might have Narrow Moat - Discernible but modest moat.

Central Pacific Financial  (NYSE:CPF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Central Pacific Financial Moat Score Related Terms

CPF vs HAFC, FSBC, SBNC: Moat Score Comparison

For the Banks - Regional subindustry, Central Pacific Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Central Pacific Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Central Pacific Financial's Moat Score falls into.


CPF
65GF Score
Central Pacific Financial Corp CPF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Central Pacific Financial (CPF) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Central Pacific Financial ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Central Pacific Financial's Moat Score too high?
Central Pacific Financial's current Moat Score is 4. Based on the distribution chart, Central Pacific Financial ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to HAFC and FSBC?
According to the Banks industry distribution chart, Central Pacific Financial ranks #223 out of 1610 companies for Moat Score. This places Central Pacific Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Central Pacific Financial's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Moat Score is 4 as of Jun. 27, 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:

  • Moat Score: 4
  • 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

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.
65GF Score

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$37.85
Price
$30.30
GF Value