Central Pacific Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Central Pacific Financial (CPF) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Central Pacific Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 171M vs 665,505M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-71.2% annualized vs trailing 12 months), vs holding steady (+1.8%) for its tracked peer group.
- Growth: Central Pacific Financial generated -82.5% revenue growth year over year in Q3 2026, vs 8.4% for its competitors combined.
- Profitability: Its 184.3% net margin compares with 26.2% for the peer group.
- Scale: Central Pacific Financial ranks #83 of 218 companies by market capitalization in the Regional Banks industry, holding 0.1% of industry market cap.
- Peer revenue share: Central Pacific Financial accounted for 0.0% of combined revenue among its tracked peer group, down from 0.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.22M compares with $0.49M for the peer group (0.5x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CPF Sales vs. its Competitors, Q3 2026
Central Pacific Financial reported revenue contraction of 82.51 % year on year in Q3 2026, below its competitors' combined revenue growth of 8.40 %.
With a net margin of 184.32 %, Central Pacific Financial achieved higher profitability than its competitors (26.24 %).
Central Pacific Financial generated 0.01 % of the combined sales of its peer group, down from 0.05 % a year earlier.
API endpoints for this dataset
Central Pacific Financial vs. its Competitors, Q3 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Central Pacific Financial reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Central Pacific Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Central Pacific Financial Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Central Pacific Financial's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs -82.5% for Central Pacific Financial. Central Pacific Financial's share of combined industry revenue moved from 0.05% to 0.01%, a loss of 0.04 percentage points.
Central Pacific Financial's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Central Pacific Financial Corp | Yes | No | No | No |
| Competitors combined (153) | ||||
| High-Confidence Competitors (1) | - | |||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CPF Stock Performance relative to its Competitors
CPF Stock Performance relative to High-Confidence Competitors
CPF Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 2 | Old Point Financial Corp | 282.9% | Outperformed |
| 3 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Lionsgate Studios Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Central Pacific Financial's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Central Pacific Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of Central Pacific Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Central Pacific Financial Corp |
1,000.42 | 171.45 |
 Jpmorgan Chase and Co |
903,822.21 | 190,733.00 |
 Bank Of America Corporation |
360,893.33 | 122,968.00 |
 Wells Fargo and Company |
259,041.84 | 85,055.00 |
 Citigroup inc |
207,742.64 | 91,360.00 |
 Capital one financial corp |
119,340.10 | 54,798.00 |
| SUBTOTAL | 2,647,605.92 | 822,740.94 |
Sign in to see all competitors of Central Pacific Financial Corp.
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Central Pacific Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Central Pacific Financial's Competitors Named by the Company
Competitive relationships identified from Central Pacific Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Central Pacific Bank | Company report | 85% |
| DOJ | Company report | 85% |
| Safe And Green Holdings Corp | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| Zions Bancorporation National Association | Company report | 85% |
| Columbia Banking System Inc | Company report | 85% |
| Mechanics Bancorp | Company report | 85% |
| Bank Of Hawaii Corporation | Company report | 85% |
| Pacific Mercantile Bancorp | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| First Hawaiian Inc | Company report | 85% |
| The First Bancshares Inc | Company report | 85% |
| Pacific Premier Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Central Pacific Financial's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Central Pacific Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| Pultegroup Inc | Florida 27.75 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Sign in to see all peers for Central Pacific Financial Corp.
Central Pacific Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Central Pacific Financial Corp | 1,000 | 224,702 | 114,283 |
| Jpmorgan Chase and Co | 903,822 | 598,825 | 204,714 |
| Bank Of America Corporation | 360,893 | 577,315 | 150,793 |
| Wells Fargo and Company | 259,042 | 355,879 | 96,699 |
| Citigroup inc | 207,743 | 404,248 | 80,004 |
| Capital one financial corp | 119,340 | 718,191 | 142,595 |
| PEERS TOTAL | 2,646,605 | 493,331 | 130,335 |
Sign in to see all peers for Central Pacific Financial Corp.
Central Pacific Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Central Pacific Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Central Pacific Financial's industry classification, broader than the peer set above. Market cap in millions of $.Central Pacific Financial ranks #83 of 198 companies by market capitalization in its industry, holding 0.13 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 83 | Central Pacific Financial Corp | 1,000 | 0.13 % |
Market cap and industry share for the rest of Central Pacific Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Central Pacific Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 78 | Mercantile Bank Corporation | 1,047 | 32.38 % |
| 79 | Metrocity Bankshares inc | 1,044 | 36.67 % |
| 80 | Eagle Bancorp Inc | 1,034 | 99.49 % |
| 81 | Southside Bancshares Inc | 1,018 | 20.43 % |
| 82 | Equity Bancshares Inc | 1,234 | 12.3% |
| 83 | Central Pacific Financial Corp | 1,000 | 31.88 % |
| 84 | Trustco Bank Corp Ny | 1,234 | 12.3% |
| 85 | Five Star Bancorp | 1,234 | 12.3% |
| 86 | Farmers National Banc Corp | 1,234 | 12.3% |
| 87 | First Financial Corporation | 1,234 | 12.3% |
| 88 | Mid Penn Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Central Pacific Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Central Pacific Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 93.75 % | 50.49 % (avg) | +43.3 pp |
| Capital Intensity (Capex / Revenue) | 3.61 % | 1.38 % (avg) | +2.2 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Central Pacific Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 11.5x | - | - |
| EV / EBITDA | 5.2x | - | - |
| P/B | 1.7x | - | - |
| Return on Equity | 14.75 % | industry aggregate | 3.19 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Central Pacific Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 2.93 % | 3.11 % | -7.19 % | 31.87 % | -1.47 % | -8.99 % | -0.14 % | 15.11 % |
| Operating Margin | 36.75 % | 35.49 % | 24.06 % | 39.32 % | 37.31 % | - | - | - |
| Return on Invested Capital | 7.04 % | 6.25 % | 3.70 % | 7.94 % | 2.19 % | 0.95 % | 0.85 % | 1.23 % |
| P/E | 13.1x | 14.4x | 13.9x | 10.0x | 7.6x | 8.1x | 15.1x | 10.5x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Central Pacific Financial's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Central Pacific Financial falls in the Question Mark quadrant: relative market share of 0.01x vs its largest competitor, in an industry growing revenue 12.0% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Central Pacific Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 3.61 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Central Pacific Financial's dedicated Suppliers and Customers pages, not here.
Central Pacific Financial's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Central Pacific Financial falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Central Pacific Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-71.2% annualized vs trailing 12 months).
- Low relative market share vs the industry leader (0.01x).
Opportunities
- Industry revenue growing at a healthy 12.0% median pace.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Central Pacific Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Central Pacific Financial Corp | 0.03 | 0.23 | 0.13 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
Sign in to see all peers for Central Pacific Financial Corp.
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Central Pacific Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Central Pacific Financial Corp | Q3 2026 | -82.5 % | +22.6 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +9.0 % | +7.7 % |
Sign in to see all peers for Central Pacific Financial Corp.
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Central Pacific Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Central Pacific Financial Corp | Q3 2026 | - | +105.5 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
Sign in to see all peers for Central Pacific Financial Corp.
Central Pacific Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Central Pacific Financial Corp | 1.17% | 1.16% | 14.75% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
Sign in to see all peers for Central Pacific Financial Corp.
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Central Pacific Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Central Pacific Financial Corp | 11.70 | 5.84 |
| Jpmorgan Chase and Co | 14.17 | 4.74 |
| Bank Of America Corporation | 11.93 | 2.93 |
| Wells Fargo and Company | 12.04 | 3.05 |
| Citigroup inc | 12.97 | 2.27 |
| Capital one financial corp | 11.14 | 2.18 |
| PEERS AVERAGE | 12.18 | 3.22 |
Sign in to see all peers for Central Pacific Financial Corp.
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.