CPF (Central Pacific Financial) ROE % Adjusted to Book Value: 9.91% (As of Mar. 2026)


CPF Central Pacific Financial Corp CPF
65 GF Score
Price $37.17
GF Value $30.33
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Central Pacific Financial ROE % Adjusted to Book Value?

Central Pacific Financial CPF +0.54% 65 ROE % Adjusted to Book Value is 9.91% as of Mar. 2026. 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.

Central Pacific Financial's ROE % for the quarter that ended in Mar. 2026 was 13.97%. Central Pacific Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.41. Central Pacific Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.91%.


Central Pacific Financial ROE % Adjusted to Book Value Related Terms


Central Pacific Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Central Pacific Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Central Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.33 12.08 11.58 7.02 9.86

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
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.90 9.76 9.24 11.15 9.91

CPF vs HAFC, FSBC, SBNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Central Pacific Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Central Pacific Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Central Pacific Financial's ROE % Adjusted to Book Value falls into.


CPF
65GF Score
Central Pacific Financial Corp CPF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Central Pacific Financial ROE % Adjusted to Book Value Calculation

Central Pacific Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.70% / 1.39
=9.86%

Central Pacific Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.97% / 1.41
=9.91%

* 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.

What does a ROE % Adjusted to Book Value of 9.91% mean?
Central Pacific Financial (CPF) has a ROE % Adjusted to Book Value of 9.91% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Central Pacific Financial and its competitors.
Is Central Pacific Financial's ROE % Adjusted to Book Value too high?
Central Pacific Financial's current ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value compare to HAFC and FSBC?
Central Pacific Financial's ROE % Adjusted to Book Value of 9.91% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Central Pacific Financial and its competitors. Central Pacific Financial's current ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value is 9.91%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Central Pacific Financial (CPF), the current ROE % Adjusted to Book Value is 9.91% 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:

  • ROE % Adjusted to Book Value: 9.91%
  • GF Value™: $30.33 vs. price of $37.17 (22.6% above fair value)
  • GF Score™: 65/100 with 5 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.17
Price
$30.33
GF Value