Central Pacific FinancialCPF -0.40%63 PB Ratio is 1.66 as of Jun. 30, 2026, which is 16% above its 10-year median of 1.43. GuruFocus rates CPF with a GF Score™ of 63/100 and a GF Value™ of $30.30 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,519 Banks companies, Central Pacific Financial ranks worse than 83.28% on this metric.
Central Pacific Financial Corp stock PB Ratio (=1.66) is close to 5-year high of 1.66.
The historical rank and industry rank for Central Pacific Financial's PB Ratio or its related term are showing as below:
CPF'
s PB Ratio Range Over the Past 10 Years
Min: 0.67 Med: 1.43 Max: 1.96
Current: 1.66
During the past 13 years, Central Pacific Financial's highest PB Ratio was 1.96. The lowest was 0.67. And the median was 1.43.
CPF's PB Ratio is ranked worse than 83.28% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs CPF: 1.66
During the past 12 months, Central Pacific Financial's average Book Value Per Share Growth Rate was 10.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Central Pacific Financial was 29.30% per year. The lowest was -65.50% per year. And the median was 6.15% per year.
Back to Basics: PB Ratio
Central Pacific Financial (NYSE:CPF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Central Pacific Financial PB Ratio Related Terms
Central Pacific Financial PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Central Pacific Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Central Pacific Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Central Pacific Financial (CPF) has a PB Ratio of 1.66 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Central Pacific Financial and its competitors. This is 16% above median its historical median of 1.43. Over the past decade, Central Pacific Financial's PB Ratio has ranged from 0.67 to 1.96. According to the industry distribution chart, Central Pacific Financial ranks #1265 out of 1519 companies in the Banks industry, placing it in the top 83.3%.
Is Central Pacific Financial's PB Ratio too high?
Central Pacific Financial's current PB Ratio of 1.66 is 16% above median its 10-year median of 1.43. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.96. The Banks industry median PB Ratio is 1.09. Central Pacific Financial's value of 1.66 is 52.3% above this industry median. Based on the distribution chart, Central Pacific Financial ranks #1265 out of 1519 companies in the Banks industry, which is in the bottom quartile 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 PB Ratio compare to WTBFA and MBWM?
According to the Banks industry distribution chart, Central Pacific Financial ranks #1265 out of 1519 companies for PB Ratio. This places Central Pacific Financial in the lower half of its industry. The industry median PB Ratio is 1.09. Central Pacific Financial's value of 1.66 is 52.3% above this benchmark. Historically, Central Pacific Financial's own PB Ratio has ranged from 0.67 to 1.96 over the past decade. While the company's 10-year median is 1.43 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Pacific Financial's current PB Ratio of 1.66 is 52.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Central Pacific Financial and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Pacific Financial's current PB Ratio is 1.66, which is 16% above median its own 10-year median of 1.43. 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 $30.30, compared to a current price of $37.70 — trading 24.4% above its estimated fair value. The current PB Ratio is 1.66, which is 16% above median its 10-year median of 1.43 and 52.3% above the Banks industry median of 1.09. Central Pacific Financial's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current PB Ratio is 1.66 as of Jun. 30, 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 $37.70 is trading 24.4% above its estimated GF Value™ of $30.30.
GuruFocus considers Central Pacific Financial to be Modestly Overvalued.
Key valuation signals for CPF:
PB Ratio: 1.66 (16% above median its 10-year median of 1.43)
GF Value™: $30.30 vs. price of $37.70 (24.4% above fair value)
Industry Position: 52.3% above the Banks median (#1265 of 1519)
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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