What is Central Pacific Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Central Pacific Financial Corp's reported free cash flow gives $123.22 per share. The share price was $39.11 on November 10, 2026, 68% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $78.97 | +102% |
| Base | 15.0% | 9.0% | $123.22 | +215% |
| Bull | 20.0% | 8.0% | $205.61 | +426% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $156.72 | $167.17 | $179.93 | $195.89 | $216.41 |
| 8.0% | $131.55 | $138.33 | $146.33 | $155.94 | $167.68 |
| 9.0% | $113.24 | $117.88 | $123.22 | $129.45 | $136.82 |
| 10.0% | $99.36 | $102.65 | $106.39 | $110.65 | $115.58 |
| 11.0% | $88.50 | $90.91 | $93.61 | $96.65 | $100.09 |
Where the presets come from
Base: years 1 to 5 grow at Central Pacific Financial Corp's revenue growth rate over the last 5 fiscal years (16.8% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions