CPF (Central Pacific Financial) Dividend Payout Ratio: 0.37 (As of Mar. 2026) — 14% Below Median

What is Central Pacific Financial Dividend Payout Ratio?

Central Pacific Financial CPF +0.54% 65 Dividend Payout Ratio is 0.37 as of Mar. 2026, which is 14% below its 10-year median of 0.43. 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 1,169 Banks companies, Central Pacific Financial ranks worse than 58.43% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Central Pacific Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.37.

The historical rank and industry rank for Central Pacific Financial's Dividend Payout Ratio or its related term are showing as below:

CPF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.43 Max: 0.7
Current: 0.37

During the past 13 years, the highest Dividend Payout Ratio of Central Pacific Financial was 0.70. The lowest was 0.34. And the median was 0.43.

CPF's Dividend Payout Ratio is ranked worse than
58.43% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs CPF: 0.37

As of today (2026-06-24), the Dividend Yield % of Central Pacific Financial is 3.06%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Central Pacific Financial was 7.68%. The lowest was 1.82%. And the median was 3.46%.

Central Pacific Financial's Dividends per Share for the months ended in Mar. 2026 was $0.29.

During the past 12 months, Central Pacific Financial's average Dividends Per Share Growth Rate was 5.70% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 1.60% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 3.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 7.40% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Central Pacific Financial was 59.40% per year. The lowest was -1.40% per year. And the median was 9.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Central Pacific Financial (NYSE:CPF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Central Pacific Financial Dividend Payout Ratio Related Terms

Central Pacific Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Central Pacific Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Central Pacific Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.34

0.40

0.49

0.44

0.38

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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.42	0.40	0.37	0.33	0.37

CPF vs HAFC, FSBC, SBNC: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Central Pacific Financial's Dividend Payout Ratio falls into.

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65GF Score

Central Pacific Financial Corp CPF

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Central Pacific Financial Dividend Payout Ratio Calculation

Central Pacific Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	1.09	/	2.91
	=	0.37

Central Pacific Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.29	/	0.78
	=	0.37

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.37 mean?

Central Pacific Financial (CPF) has a Dividend Payout Ratio of 0.37 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Central Pacific Financial and its competitors. This is 14% below median its historical median of 0.43. Over the past decade, Central Pacific Financial's Dividend Payout Ratio has ranged from 0.34 to 0.70. According to the industry distribution chart, Central Pacific Financial ranks #683 out of 1169 companies in the Banks industry, placing it in the top 58.4%.

Is Central Pacific Financial's Dividend Payout Ratio too high?

Central Pacific Financial's current Dividend Payout Ratio of 0.37 is 14% below median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.70. The Banks industry median Dividend Payout Ratio is 0.32. Central Pacific Financial's value of 0.37 is 15.6% above this industry median. Based on the distribution chart, Central Pacific Financial ranks #683 out of 1169 companies in the Banks industry, which is below 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 Dividend Payout Ratio compare to HAFC and FSBC?

According to the Banks industry distribution chart, Central Pacific Financial ranks #683 out of 1169 companies for Dividend Payout Ratio. This places Central Pacific Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Central Pacific Financial's value of 0.37 is 15.6% above this benchmark. Historically, Central Pacific Financial's own Dividend Payout Ratio has ranged from 0.34 to 0.70 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current Dividend Payout Ratio of 0.37 is 15.6% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current Dividend Payout Ratio is 0.37, which is 14% below median its own 10-year median of 0.43. 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 $37.17 — trading 22.6% above its estimated fair value. The current Dividend Payout Ratio is 0.37, which is 14% below median its 10-year median of 0.43 and 15.6% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current Dividend Payout Ratio is 0.37 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 $37.17 is trading 22.6% above its estimated GF Value™ of $30.33. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

Dividend Payout Ratio: 0.37 (14% below median its 10-year median of 0.43)
GF Value™: $30.33 vs. price of $37.17 (22.6% above fair value)
GF Score™: 65/100 with 5 warning signs
Industry Position: 15.6% above the Banks median (#683 of 1169)

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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$37.17

Price

$30.33

GF Value

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