Central Pacific Financial Corp Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
3analysts covering
FY EPS (est.)
$3.27next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly353.0%Target: 3.50% - 3.55%
Efficiency Ratio Quarterly5,987.0%
Common Equity Tier 1 (CET1) Capital Ratio Quarterly1,260.0%Target: 11%-12%
Tangible Common Equity (TCE) Ratio Quarterly7.9%Target: 7.5% - 8.5%
Watch Items
- Hawaii Economic Sensitivity (Tourism and Real Estate)Trigger: Significant slowdown in Hawaii visitor arrivals or commercial real estate transaction volumesAction: Re-evaluate credit risk provisions and adjust loan growth expectations for the Hawaii core franchise.
- Deposit Competition and Funding CostsTrigger: Core deposit outflow or rapid increase in deposit beta exceeding projectionsAction: Review deposit pricing strategies, promotional relationship-based accounts, and wholesale funding levels.
- Mainland Loan Participation PerformanceTrigger: Increase in non-performing assets (NPAs) or charge-offs in the indirect/wholesale Western US portfolioAction: Tighten underwriting standards for indirect lending and reduce geographic diversification allocations.
Research as of 19 Jun 2026