Central Pacific Financial (CPF)
Market Price (5/30/2026): $34.4 | Market Cap: $904.0 MilSector: Financials | Industry: Regional Banks
Central Pacific Financial (CPF)
Market Price (5/30/2026): $34.4Market Cap: $904.0 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.9%, FCF Yield is 10.0% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -88% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% Low stock price volatilityVol 12M is 25% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. | Trading close to highsDist 52W High is -1.5%, Dist 3Y High is -1.5% | Key risksCPF key risks include [1] regulatory compliance failures and inability to meet capital standards, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.9%, FCF Yield is 10.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -88% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% |
| Low stock price volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Trading close to highsDist 52W High is -1.5%, Dist 3Y High is -1.5% |
| Key risksCPF key risks include [1] regulatory compliance failures and inability to meet capital standards, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Central Pacific Financial (CPF) stock has gained about 5% since 1/31/2026 because of the following key factors:
1. Strong First Quarter 2026 Earnings Beat: Central Pacific Financial reported solid financial results for the first quarter of 2026, with diluted earnings per share (EPS) of $0.78, surpassing analyst consensus estimates of $0.74 per share. Net income reached $20.7 million, representing a significant 20% increase in EPS compared to $0.65 in the first quarter of the previous year. Additionally, the company achieved returns on average assets and equity of 1.12% and 13.90%, respectively.
2. Robust Balance Sheet Growth and Healthy Asset Quality: The company demonstrated strong balance sheet expansion in Q1 2026, with total loans increasing by $31.3 million to $5.32 billion and total deposits growing by $89.6 million to $6.70 billion as of March 31, 2026. The net interest margin (NIM) remained healthy at 3.53%. This growth was underpinned by resilient asset quality, evidenced by nonperforming assets totaling a low $14.5 million, or 0.19% of total assets, at quarter-end.
Show more
Stock Movement Drivers
Fundamental Drivers
The 7.3% change in CPF stock from 1/31/2026 to 5/29/2026 was primarily driven by a 12.7% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5292026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.02 | 34.36 | 7.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 271 | 293 | 8.2% |
| Net Income Margin (%) | 24.4% | 27.5% | 12.7% |
| P/E Multiple | 13.1 | 11.2 | -14.3% |
| Shares Outstanding (Mil) | 27 | 26 | 2.6% |
| Cumulative Contribution | 7.3% |
Market Drivers
1/31/2026 to 5/29/2026| Return | Correlation | |
|---|---|---|
| CPF | 7.3% | |
| Market (SPY) | 9.6% | 37.4% |
| Sector (XLF) | -3.0% | 56.3% |
Fundamental Drivers
The 23.7% change in CPF stock from 10/31/2025 to 5/29/2026 was primarily driven by a 12.7% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5292026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.77 | 34.36 | 23.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 271 | 293 | 8.2% |
| Net Income Margin (%) | 24.4% | 27.5% | 12.7% |
| P/E Multiple | 11.4 | 11.2 | -1.2% |
| Shares Outstanding (Mil) | 27 | 26 | 2.6% |
| Cumulative Contribution | 23.7% |
Market Drivers
10/31/2025 to 5/29/2026| Return | Correlation | |
|---|---|---|
| CPF | 23.7% | |
| Market (SPY) | 11.5% | 32.7% |
| Sector (XLF) | -0.7% | 51.3% |
Fundamental Drivers
The 39.9% change in CPF stock from 4/30/2025 to 5/29/2026 was primarily driven by a 19.6% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5292026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.56 | 34.36 | 39.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 253 | 293 | 15.5% |
| Net Income Margin (%) | 23.0% | 27.5% | 19.6% |
| P/E Multiple | 11.4 | 11.2 | -1.8% |
| Shares Outstanding (Mil) | 27 | 26 | 3.1% |
| Cumulative Contribution | 39.9% |
Market Drivers
4/30/2025 to 5/29/2026| Return | Correlation | |
|---|---|---|
| CPF | 39.9% | |
| Market (SPY) | 38.0% | 40.1% |
| Sector (XLF) | 7.4% | 58.9% |
Fundamental Drivers
The 150.3% change in CPF stock from 4/30/2023 to 5/29/2026 was primarily driven by a 114.0% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5292026 | Change |
|---|---|---|---|
| Stock Price ($) | 13.73 | 34.36 | 150.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 264 | 293 | 10.7% |
| Net Income Margin (%) | 26.7% | 27.5% | 2.8% |
| P/E Multiple | 5.2 | 11.2 | 114.0% |
| Shares Outstanding (Mil) | 27 | 26 | 2.7% |
| Cumulative Contribution | 150.3% |
Market Drivers
4/30/2023 to 5/29/2026| Return | Correlation | |
|---|---|---|
| CPF | 150.3% | |
| Market (SPY) | 89.0% | 41.1% |
| Sector (XLF) | 63.2% | 61.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CPF Return | 54% | -25% | 3% | 54% | 11% | 12% | 130% |
| Peers Return | 44% | -17% | 2% | 23% | 7% | 7% | 75% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 101% |
Monthly Win Rates [3] | |||||||
| CPF Win Rate | 67% | 42% | 50% | 67% | 50% | 80% | |
| Peers Win Rate | 65% | 50% | 43% | 48% | 53% | 52% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| CPF Max Drawdown | -17% | -36% | -44% | -13% | -21% | -11% | |
| Peers Max Drawdown | -17% | -35% | -58% | -17% | -28% | -18% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: BOH, FHB, WAL, EWBC, ZION.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/29/2026 (YTD)
How Low Can It Go
| Event | CPF | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -17.7% | -18.8% |
| % Gain to Breakeven | 21.5% | 23.1% |
| Time to Breakeven | 89 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -13.5% | -9.5% |
| % Gain to Breakeven | 15.7% | 10.5% |
| Time to Breakeven | 38 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -41.6% | -6.7% |
| % Gain to Breakeven | 71.3% | 7.1% |
| Time to Breakeven | 426 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.7% | -24.5% |
| % Gain to Breakeven | 44.4% | 32.4% |
| Time to Breakeven | 636 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -55.0% | -33.7% |
| % Gain to Breakeven | 122.3% | 50.9% |
| Time to Breakeven | 354 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -11.5% | -19.2% |
| % Gain to Breakeven | 13.0% | 23.8% |
| Time to Breakeven | 25 days | 105 days |
In The Past
Central Pacific Financial's stock fell -17.7% during the 2025 US Tariff Shock. Such a loss loss requires a 21.5% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | CPF | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -41.6% | -6.7% |
| % Gain to Breakeven | 71.3% | 7.1% |
| Time to Breakeven | 426 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.7% | -24.5% |
| % Gain to Breakeven | 44.4% | 32.4% |
| Time to Breakeven | 636 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -55.0% | -33.7% |
| % Gain to Breakeven | 122.3% | 50.9% |
| Time to Breakeven | 354 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -31.5% | -17.9% |
| % Gain to Breakeven | 46.1% | 21.8% |
| Time to Breakeven | 108 days | 123 days |
In The Past
Central Pacific Financial's stock fell -17.7% during the 2025 US Tariff Shock. Such a loss loss requires a 21.5% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Central Pacific Financial (CPF)
AI Analysis | Feedback
Analogies for Central Pacific Financial (CPF):
- Essentially a regional version of JPMorgan Chase, serving the Hawaiian market.
- Like a Bank of America, but concentrated solely in Hawaii.
AI Analysis | Feedback
- Deposit Accounts: Offers various personal and business checking, savings, money market accounts, and time certificates of deposit.
- Loan Products: Provides a range of commercial, financial, agricultural, residential, construction, home equity, and consumer loans.
- Ancillary Banking Services: Includes debit cards, internet and mobile banking, cash management, foreign exchange, wire transfers, and safe deposit boxes.
- Wealth Management Services: Delivers non-deposit investment products, annuities, insurance, investment management, asset custody, and financial consultation.
AI Analysis | Feedback
Central Pacific Financial (CPF) operates as a commercial bank, serving a diverse customer base rather than a few major corporate clients. Its customer base is highly fragmented across both business and individual segments. Based on the company description, its major customer categories include:
- Businesses: Small and medium-sized companies, real estate investors and developers, and agricultural businesses operating within the state of Hawaii. The company provides commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to these entities.
- Business Professionals: Individuals identified as "business professionals" who utilize the bank's services for both their professional and potentially personal financial needs, including lending and wealth management services.
- Individuals and Homebuyers: General individuals and local homebuyers in Hawaii seeking a range of personal banking products and services, such as checking and savings accounts, money market accounts, time certificates of deposit, home equity and consumer loans, and wealth management products.
AI Analysis | Feedback
nullAI Analysis | Feedback
Arnold D. Martines Chairman, President and Chief Executive Officer
Arnold D. Martines was appointed President and Chief Executive Officer of Central Pacific Financial Corp. and Central Pacific Bank on January 1, 2023, and Chairman of both entities on June 10, 2024. His banking career began in 1995 at another Hawaii bank before he joined Central Pacific Bank in February 2004. He has held various executive leadership positions within the company, including Chief Banking Officer and President and Chief Operating Officer. Martines led the bank's Paycheck Protection Program during the pandemic, which originated 11,833 PPP loans worth $870 million, and also played a key role in the RISE 2020 renovation and rebranding program.
Dayna Matsumoto Executive Vice President, Chief Financial Officer
Dayna Matsumoto was appointed Executive Vice President and Chief Financial Officer of Central Pacific Financial Corp. and Central Pacific Bank on March 1, 2025. She previously served as Group Senior Vice President and Director of Finance and Accounting from 2023 to 2025, and as Senior Vice President, Controller from 2013 to 2022. Ms. Matsumoto possesses over 22 years of experience in finance, accounting, and banking, with 16 of those years at Central Pacific Bank. She is a licensed certified public accountant in Hawaii and began her career as a Senior Audit Associate at KPMG.
David Morimoto Vice Chairman, Chief Operating Officer
David Morimoto has served as the Vice Chairman and Chief Operating Officer of Central Pacific Financial Corp. and Central Pacific Bank since March 1, 2025. Prior to this role, he was the Senior Executive Vice President and Chief Financial Officer from January 2022 to February 2025. Mr. Morimoto has over 32 years of experience in the banking industry, all of which have been with Central Pacific Bank, having started his career there in 1991. He has overseen the Technology, Operations, and Legal & Compliance Divisions and has extensive experience in asset/liability and investment portfolio management.
Ralph Mesick Senior Executive Vice President, Chief Risk Officer
Ralph Mesick joined Central Pacific Bank in 2024 as the Senior Executive Vice President and Chief Risk Officer.
Anna Hu Executive Vice President and Chief Credit Officer
Anna Hu is the Executive Vice President and Chief Credit Officer, responsible for the strategic direction and oversight of the bank's credit risk across its loan portfolios. She brings 30 years of professional financial experience, with over 13 years at Central Pacific Bank. Ms. Hu previously held the position of VP & Manager-Corporate Banking Relationship at Bank of Hawaii Corp. from 2009 to 2015.
AI Analysis | Feedback
The key risks to Central Pacific Financial (CPF) are:
- Economic Conditions in Hawaii and Geographic Concentration: Central Pacific Financial's operations are heavily concentrated in the state of Hawaii, making its business results highly sensitive to the local economic environment. A significant portion of the company's loan portfolio, approximately 80%, is tied to real estate within Hawaii, making it vulnerable to downturns in the local property and tourism markets. Factors such as a decline in tourism, which directly impacts the state's economy, or adverse real estate market conditions, could significantly affect the bank's financial performance, loan quality, and deposit growth. For example, the 2023 Maui wildfires had a direct and significant impact on the state's economy, highlighting the risks of such localized events.
- Credit Risk: As a commercial bank, Central Pacific Financial faces the inherent risk that borrowers may default on their loans. This risk is amplified by the bank's substantial exposure to real estate loans in Hawaii, which could be negatively impacted by declines in property values or a general economic contraction in the region. While the bank generally exhibits solid asset quality, past issues with a few large loans have been noted, and the adequacy of the allowance for credit losses is a continuous consideration. Furthermore, declining loan balances have been observed in recent years.
- Interest Rate Risk: Central Pacific Financial is susceptible to fluctuations in interest rates, which directly impact its profitability. Changes in interest rates can affect the bank's net interest margin (NIM), which is a primary driver of its revenue. A high interest rate environment can decrease the market value of fixed-rate investment securities and loan portfolios, potentially affecting the bank's balance sheet and overall financial condition. Conversely, unfavorable interest rate movements could compress the bank's lending margins or increase its cost of funding deposits.
AI Analysis | Feedback
The clear emerging threat to Central Pacific Financial (CPF) is the proliferation and increasing adoption of digital-first financial technology companies (fintechs). These include neobanks, online lenders, and robo-advisors that offer banking, lending, and wealth management services primarily through digital platforms, often with lower operating costs, competitive rates, and more user-friendly interfaces than traditional branch-based banks like CPF. This digital disruption challenges CPF's core deposit, lending, and wealth management businesses by attracting customers who prioritize digital convenience and potentially lower fees, regardless of geographic location.
AI Analysis | Feedback
The addressable markets for Central Pacific Financial's main products and services primarily focus on the state of Hawaii.
Lending Products and Services (Hawaii)
- The total loans and leases held by commercial banks headquartered in Hawaii amounted to approximately $34.814 billion in 2024.
- For specific consumer lending categories in Hawaii:
- Mortgage debt reached $73.1 billion in 2023.
- Auto loan debt was $4.8 billion in 2023.
- Credit card debt totaled $5.5 billion in 2023.
- Student debt was approximately $4.7 billion in 2023.
- The market size for Real Estate Loans & Collateralized Debt in Hawaii is projected to be $553.5 million in 2026.
- New lending to small businesses (loans of $1 million or less) in Hawaii amounted to $1.1 billion in 2022.
Deposit Products and Services (Hawaii)
- The total deposits held by commercial banks headquartered in Hawaii were approximately $49.052 billion in 2024.
Wealth Management Products and Services
null
AI Analysis | Feedback
Central Pacific Financial (CPF) anticipates several key drivers for its future revenue growth over the next 2-3 years: * **Growth in Net Loans and Deposits:** The company projects full-year net loan and deposit growth in the low single-digit percentage range for 2026, indicating continued expansion in its core banking activities. This follows similar expectations for 2025. * **Expansion of Net Interest Income (NII) and Margin (NIM):** Central Pacific Financial expects a 4% to 6% increase in net interest income for the full year 2026. This growth is supported by an expanding net interest margin, driven by higher loan yields and effective management of deposit costs. * **Strategic Shift in Loan Portfolio Mix:** The company is actively improving its loan portfolio by reducing lower-yielding residential mortgage and home equity loans while increasing higher-yielding commercial mortgage and construction loans. This strategy involves focusing on high-quality, relationship-driven lending and building the loan pipeline in its core Hawaii market and selected mainland markets for diversification. * **Deposit Growth through Relationship Deepening and Strategic Partnerships:** Future deposit growth is expected to be fueled by strengthening customer relationships within Hawaii and establishing strategic partnerships in international markets like Japan and Korea. This also includes efforts to improve the mix of deposits, favoring noninterest-bearing demand deposit accounts. * **Growth in Other Operating Income:** Central Pacific Financial anticipates a modest increase of 1% to 2% in total other operating income for 2026, building upon its 2025 normalized levels.AI Analysis | Feedback
Share Repurchases
- In January 2026, Central Pacific Financial's Board of Directors authorized a new share repurchase program of up to $55.0 million for 2026.
- The company repurchased 788,261 shares for $23.3 million during the full year 2025.
- For the full year 2024, Central Pacific Financial repurchased 49,960 shares at a total cost of $0.9 million.
Outbound Investments
- In 2021, the company committed $2.0 million to the JAM FINTOP Banktech Fund, L.P., an investment fund focused on developing and accelerating technology adoption at community banks.
- Central Pacific Financial completed an equity investment and is positioned to serve as a bank sponsor for Swell Financial, aligning with its Banking-as-a-Service (BaaS) strategy.
- Central Pacific Bank partnered with Korea Investment & Securities to expand its international reach to Korean customers.
Capital Expenditures
- Central Pacific Financial is strategically investing in technology, facilities, and personnel to enhance operational efficiency and drive revenue growth.
- Significant initiatives include implementing over 90 process automation improvements, enhancing branch systems, and upgrading to a new outsourced Data Center to boost resiliency and disaster recovery capabilities.
- The company realized annual savings of approximately $1 million by consolidating employees from its Operations Center and anticipates future annual savings of about $0.6 million from the sale and consolidation of real estate office space.
Latest Trefis Analyses
Trade Ideas
Select ideas related to CPF.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 69.53 |
| Mkt Cap | 6.0 |
| Rev LTM | 1,918 |
| Op Inc LTM | - |
| FCF LTM | 311 |
| FCF 3Y Avg | 238 |
| CFO LTM | 349 |
| CFO 3Y Avg | 264 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.8% |
| Rev Chg 3Y Avg | 3.1% |
| Rev Chg Q | 9.5% |
| QoQ Delta Rev Chg LTM | 2.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 35.4% |
| CFO/Rev 3Y Avg | 35.8% |
| FCF/Rev LTM | 32.8% |
| FCF/Rev 3Y Avg | 32.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 6.0 |
| P/S | 3.5 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.4 |
| P/CFO | 8.3 |
| Total Yield | 11.0% |
| Dividend Yield | 2.7% |
| FCF Yield 3Y Avg | 10.9% |
| D/E | 0.2 |
| Net D/E | -1.0 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 0.5% |
| 3M Rtn | 9.3% |
| 6M Rtn | 17.0% |
| 12M Rtn | 26.4% |
| 3Y Rtn | 141.2% |
| 1M Excs Rtn | -5.7% |
| 3M Excs Rtn | -0.9% |
| 6M Excs Rtn | 3.7% |
| 12M Excs Rtn | -1.0% |
| 3Y Excs Rtn | 49.1% |
Price Behavior
| Market Price | $34.36 | |
| Market Cap ($ Bil) | 0.9 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -1.5% | |
| 50 Days | 200 Days | |
| DMA Price | $33.33 | $31.07 |
| DMA Trend | up | up |
| Distance from DMA | 3.1% | 10.6% |
| 3M | 1YR | |
| Volatility | 19.3% | 25.3% |
| Downside Capture | 67.33 | 56.50 |
| Upside Capture | 73.32 | 73.18 |
| Correlation (SPY) | 44.9% | 36.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.79 | 0.58 | 0.53 | 0.53 | 0.82 | 0.84 |
| Up Beta | 0.43 | 0.42 | 0.37 | 0.70 | 1.20 | 0.84 |
| Down Beta | 1.60 | 0.17 | 0.09 | 0.29 | 0.72 | 0.76 |
| Up Capture | 83% | 87% | 84% | 75% | 69% | 93% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 11 | 21 | 34 | 66 | 129 | 392 |
| Down Capture | 144% | 57% | 56% | 33% | 64% | 93% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 11 | 22 | 29 | 55 | 118 | 350 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CPF | |
|---|---|---|---|---|
| CPF | 35.0% | 25.3% | 1.14 | - |
| Sector ETF (XLF) | 3.5% | 14.4% | 0.02 | 57.4% |
| Equity (SPY) | 30.3% | 11.8% | 1.94 | 35.7% |
| Gold (GLD) | 37.5% | 26.7% | 1.17 | -4.1% |
| Commodities (DBC) | 39.6% | 18.8% | 1.63 | -23.0% |
| Real Estate (VNQ) | 12.5% | 13.1% | 0.64 | 38.9% |
| Bitcoin (BTCUSD) | -31.8% | 41.6% | -0.81 | 15.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CPF | |
|---|---|---|---|---|
| CPF | 8.9% | 30.7% | 0.32 | - |
| Sector ETF (XLF) | 8.4% | 18.6% | 0.34 | 63.2% |
| Equity (SPY) | 14.3% | 17.0% | 0.66 | 45.7% |
| Gold (GLD) | 18.8% | 18.0% | 0.85 | -2.5% |
| Commodities (DBC) | 10.2% | 19.4% | 0.41 | 6.9% |
| Real Estate (VNQ) | 3.4% | 18.8% | 0.08 | 45.6% |
| Bitcoin (BTCUSD) | 14.6% | 54.6% | 0.46 | 17.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CPF | |
|---|---|---|---|---|
| CPF | 8.3% | 34.5% | 0.32 | - |
| Sector ETF (XLF) | 12.8% | 22.1% | 0.53 | 70.9% |
| Equity (SPY) | 15.9% | 17.9% | 0.76 | 53.4% |
| Gold (GLD) | 13.3% | 16.0% | 0.69 | -6.1% |
| Commodities (DBC) | 7.3% | 17.9% | 0.33 | 16.3% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 51.4% |
| Bitcoin (BTCUSD) | 67.0% | 66.9% | 1.06 | 12.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 5/30/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/29/2026 | -1.2% | -1.5% | 0.3% |
| 1/28/2026 | 0.5% | 6.3% | 6.3% |
| 10/29/2025 | -6.4% | -4.9% | 0.0% |
| 7/25/2025 | -0.8% | -4.3% | 10.4% |
| 4/23/2025 | 1.0% | -0.6% | 2.3% |
| 1/29/2025 | -2.0% | 5.5% | 1.6% |
| 10/30/2024 | -8.2% | -5.9% | 11.1% |
| 7/31/2024 | 0.4% | -5.1% | 7.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 10 | 17 |
| # Negative | 12 | 14 | 7 |
| Median Positive | 1.3% | 5.2% | 6.3% |
| Median Negative | -2.0% | -4.5% | -4.5% |
| Max Positive | 7.1% | 8.1% | 28.5% |
| Max Negative | -8.2% | -9.9% | -13.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 04/29/2026 | 10-Q |
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 10/29/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 04/30/2025 | 10-Q |
| 12/31/2024 | 02/26/2025 | 10-K |
| 09/30/2024 | 10/30/2024 | 10-Q |
| 06/30/2024 | 07/31/2024 | 10-Q |
| 03/31/2024 | 04/24/2024 | 10-Q |
| 12/31/2023 | 02/21/2024 | 10-K |
| 09/30/2023 | 10/25/2023 | 10-Q |
| 06/30/2023 | 07/26/2023 | 10-Q |
| 03/31/2023 | 04/26/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 10/27/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
Recent Forward Guidance
Updated 5/28/2026Latest: Q1 2026 Earnings Reported 4/29/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Dividends | 0.29 | 0 | Same New | Actual: 0.29 for Q1 2026 | |||
Prior: Q4 2025 Earnings Reported 1/28/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Dividends | 0.29 | 3.6% | Higher New | Actual: 0.28 for Q4 2025 | |||
| 2026 Share Repurchases | 55.00 Mil | ||||||
Insider Activity
Updated 5/18/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Ngo, Agnes Catherine | Co-Trustee of Hines & Ngo 2000 Family Trust dtd 4/18/00 | Sell | 9122025 | 30.66 | 3,333 | 102,176 | 1,855,117 | Form | |
| 2 | Kosasa, Paul | Jt w/ Lisa C Kosasa | Sell | 8292025 | 28.62 | 923 | Form | |||
| 3 | Ngo, Agnes Catherine | Co-Trustee of Hines & Ngo 2000 Family Trust dtd 4/18/00 | Sell | 8122025 | 27.87 | 3,333 | 92,887 | 1,824,277 | Form | |
| 4 | Yonamine, Paul K | Direct | Sell | 8012025 | 26.25 | 2,765 | 72,581 | 372,251 | Form | |
| 5 | Ngo, Agnes Catherine | Co-Trustee of Hines & Ngo 2000 Family Trust dtd 4/18/00 | Sell | 7142025 | 29.20 | 3,333 | 97,324 | 2,008,740 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.