Central Pacific FinancialCPF -1.59%63 Net Debt Paydown Yield % is 5.14% as of Jul. 03, 2026, which is 1124% above its 10-year median of 0.42. GuruFocus rates CPF with a GF Scoreâ„¢ of 63/100 and a GF Valueâ„¢ of $30.21 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,420 Banks companies, Central Pacific Financial ranks better than 76.27% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Central Pacific Financial's Net Debt Paydown Yield % was 5.14%.
Central Pacific Financial (NYSE:CPF) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Central Pacific Financial Net Debt Paydown Yield % Related Terms
Central Pacific Financial Net Debt Paydown Yield % Historical Data
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The historical data trend for Central Pacific Financial's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
CPF vs WTBFA, MBWM, AMTB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Central Pacific Financial's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 5.14% mean?
Central Pacific Financial (CPF) has a Net Debt Paydown Yield % of 5.14% as of Jul. 03, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Central Pacific Financial and its competitors. This is 1124% above median its historical median of 0.42. According to the industry distribution chart, Central Pacific Financial ranks #337 out of 1420 companies in the Banks industry, placing it in the top 23.7%.
Is Central Pacific Financial's Net Debt Paydown Yield % too high?
Central Pacific Financial's current Net Debt Paydown Yield % of 5.14% is 1124% above median its 10-year median of 0.42. Based on the distribution chart, Central Pacific Financial ranks #337 out of 1420 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 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Central Pacific Financial's Net Debt Paydown Yield % compare to WTBFA and MBWM?
According to the Banks industry distribution chart, Central Pacific Financial ranks #337 out of 1420 companies for Net Debt Paydown Yield %. This places Central Pacific Financial in the top 24% 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current Net Debt Paydown Yield % is 5.14%, which is 1124% above median its own 10-year median of 0.42. 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 $30.21, compared to a current price of $38.28 — trading 26.7% above its estimated fair value. The current Net Debt Paydown Yield % is 5.14%, which is 1124% above median its 10-year median of 0.42. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Net Debt Paydown Yield % is 5.14% as of Jul. 03, 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 $38.28 is trading 26.7% above its estimated GF Value™ of $30.21.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
Net Debt Paydown Yield %: 5.14% (1124% above median its 10-year median of 0.42)
GF Value™: $30.21 vs. price of $38.28 (26.7% 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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