Central Pacific FinancialCPF +1.27%65 Net Margin % is 28.86% as of Mar. 2026, which is 15% above its 10-year median of 25.17. GuruFocus rates CPF with a GF Score™ of 65/100 and a GF Value™ of $30.33 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Central Pacific Financial ranks better than 52.65% on this metric.
The historical rank and industry rank for Central Pacific Financial's Net Margin % or its related term are showing as below:
CPF'
s Net Margin % Range Over the Past 10 Years
Min: 15.35 Med: 25.17 Max: 31.69
Current: 27.48
CPF's Net Margin % is ranked better than 52.65% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CPF: 27.48
Central Pacific Financial (NYSE:CPF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Central Pacific Financial Net Margin % Related Terms
Central Pacific Financial Net Margin % 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.
For the Banks - Regional subindustry, Central Pacific Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's Net Margin % 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.
Central Pacific Financial (CPF) has a Net Margin % of 28.86% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Central Pacific Financial and its competitors. This is 15% above median its historical median of 25.17. Over the past decade, Central Pacific Financial's Net Margin % has ranged from 15.35 to 31.69. According to the industry distribution chart, Central Pacific Financial ranks #723 out of 1527 companies in the Banks industry, placing it in the top 47.3%.
Is Central Pacific Financial's Net Margin % too high?
Central Pacific Financial's current Net Margin % of 28.86% is 15% above median its 10-year median of 25.17. Over the past 10 years, this metric has ranged from a low of 15.35 to a high of 31.69. The Banks industry median Net Margin % is 26.95. Central Pacific Financial's value of 28.86% is 7.1% above this industry median. Based on the distribution chart, Central Pacific Financial ranks #723 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to HAFC and FSBC?
According to the Banks industry distribution chart, Central Pacific Financial ranks #723 out of 1527 companies for Net Margin %. This puts Central Pacific Financial in the upper half of its industry. The industry median Net Margin % is 26.95. Central Pacific Financial's value of 28.86% is 7.1% above this benchmark. Historically, Central Pacific Financial's own Net Margin % has ranged from 15.35 to 31.69 over the past decade. While the company's 10-year median is 25.17 vs. the industry median of 26.95, Central Pacific Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current Net Margin % of 28.86% is 7.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current Net Margin % is 28.86%, which is 15% above median its own 10-year median of 25.17. 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 $30.33, compared to a current price of $37.44 — trading 23.4% above its estimated fair value. The current Net Margin % is 28.86%, which is 15% above median its 10-year median of 25.17 and 7.1% above the Banks industry median of 26.95. Central Pacific Financial's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Net Margin % is 28.86% 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 $37.44 is trading 23.4% above its estimated GF Value™ of $30.33.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
Net Margin %: 28.86% (15% above median its 10-year median of 25.17)
GF Value™: $30.33 vs. price of $37.44 (23.4% above fair value)
Industry Position: 7.1% above the Banks median (#723 of 1527)
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.
65GF Score
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