Central Pacific Financial Corp.
CPFFinancial Services · Stock · quarterly payer
Forward Yield
3.19%
Annual Dividend
$1.20
Payout Ratio
36%
5-Yr Growth
3.4%
Ex-Date
Aug 31, 2026
Frequency
Quarterly
Summary
As of September 2026, Central Pacific Financial Corp. (CPF) yields 3.19% ($1.20 per share annually), with a blended fair-value estimate of $95.65 — +154% upside, so it screens as undervalued. Dividend safety grade: A (85/100). 1 years of dividend growth.
Is CPF a good dividend stock?
YesCentral Pacific Financial Corp. (CPF) pays a quarterly dividend yielding 3.19% ($1.20/yr), with 1 year of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (36%)
- Top-tier dividend safety score
Risks
- Cut its dividend in 2014
Key Data
- Dividend Yield
- 3.19%
- Payout Ratio
- 36%
- Annual Dividend
- $1.20
- 5-Yr Avg Growth
- 3.4%
- Ex-Dividend Date
- Aug 31, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 0.83
- Market Cap
- $969.1M
- P/E Ratio
- 12.1
- 5-Yr Total Return
- 37%
- 52-Week Range
- $27.38 – $40.99
- Dividend Safety
- A · 85/100
- Ever Cut?
- Yes (2014)
Frequently Asked Questions
CPF Price — Last 12 Months
Daily close
Price Return
1 Year
+32%
3 Years
+139%
5 Years
+37%
52-Week Range
$27.38 – $40.99
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CPF worth?
Undervaluedlow confidenceOur blended fair-value estimate for Central Pacific Financial Corp. is $95.65 per share, versus a market price of $37.64. That implies 154% of upside — a margin of safety of about 61%.
Fair Value
$95.65
Current Price
$37.64
Upside
+154%
Margin of Safety
61%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.4% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $3.11 EPS, $1.20 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CPF Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 31, 2026 | — | $0.3000 | regular |
| May 29, 2026 | — | $0.2900 | regular |
| Feb 27, 2026 | — | $0.2900 | regular |
| Nov 28, 2025 | — | $0.2800 | regular |
| Aug 29, 2025 | — | $0.2700 | regular |
| May 30, 2025 | — | $0.2700 | regular |
| Feb 28, 2025 | — | $0.2700 | regular |
| Nov 29, 2024 | — | $0.2600 | regular |
| Aug 30, 2024 | — | $0.2600 | regular |
| May 31, 2024 | — | $0.2600 | regular |
| Feb 28, 2024 | — | $0.2600 | regular |
| Nov 29, 2023 | — | $0.2600 | regular |
| Aug 30, 2023 | — | $0.2600 | regular |
| May 30, 2023 | — | $0.2600 | regular |
Income Calculator
At $1.20 / yr per share
