OakChart

Central Pacific Financial Corp

CPFFinancial·Banks - Regional·USA·Small·NYSE·Nov 11 • 10:48 AM ET

38.82-0.29 (-0.75%)
2026-11-11 16:48 CET
Market cap
995.10 USD m
Revenue, TTM
- USD m
Net income, TTM
87.20 USD m
Free cash flow, TTM
105.66 USD m
EPS diluted, TTM
3.32
P/E
11.70
Compare

Price

CPF against its 20, 50 and 200-day averages
2050200beat
32.5035.0037.5040.00370K739KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CPFclose 38.8220-day 37.9250-day 37.24200-day 35.7038.8252w high

5.3% under the 52-week high of 40.99 on 4 Aug 2026. 52-week low 28.44 on 17 Nov 2025. Last 15 sessions, 8.9% high to low

Profile

CPF
52-week range, 83% of the way up
28.4440.99

Central Pacific Financial Corp. is a bank holding company, which engages in the provision of commercial banking services through its wholly owned subsidiary Central Pacific Bank. It offers wealth management, personal and business banking. It also provides loan services for commercial and industrial, real estate, and consumer. The company was founded on February 1, 1982 and is headquartered in Honolulu, HI.

IndexRUT
Employees763
IPOAug 28, 1987
Beta0.83
ATR, 14d0.90
Rel volume0.26
Short float3.51%
Insider own2.69%
Inst own97.35%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap987.60M
Enterprise Value-
Income87.20M
Sales366.27M
Book/sh22.79
Cash/sh-
Dividend Est.1.19 (3.07%)
Dividend TTM1.16 (2.99%)
Dividend Ex-DateNov 30, 2026
Dividend Gr. 3/5Y1.58% 3.45%
Payout38.05%
Employees763
IPOAug 28, 1987

Ratios

P/E11.70
Forward P/E10.57
PEG0.93
P/S2.70
P/B1.70
P/C-
P/FCF9.35
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.12
Debt/Eq0.17
LT Debt/Eq0.16
Option/ShortYes / Yes

Earnings

EPS (ttm)3.32
EPS next Y3.67
EPS next Q0.86
EPS this Y16.29%
EPS next Y10.40%
EPS next 5Y11.40%
EPS past 3/5Y2.23% 16.71%
Sales past 3/5Y9.25% 7.40%
EPS Y/Y TTM36.59%
Sales Y/Y TTM4.07%
EPS Q/Q28.64%
Sales Q/Q-0.48%
EarningsOct 28 BMO
EPS/Sales Surpr.3.77% -0.56%

Ownership

Insider Own2.69%
Insider Trans0.00%
Inst Own97.35%
Inst Trans0.32%
ROA1.17%
ROE14.91%
ROIC12.89%
Gross Margin-
Oper. Margin29.33%
Profit Margin23.81%
SMA202.35%
SMA504.22%
SMA2008.74%
Trades-

Technical

Shs Outstand25.51M
Shs Float24.76M
Short Float3.51%
Short Ratio5.30
Short Interest0.87M
52W High40.99 -5.31%
52W Low28.44 36.48%
Volatility2.72% 2.26%
ATR (14)0.90
RSI (14)58.71
Beta0.83
Rel Volume0.26
Avg Volume163.87K
Volume10,141

Performance

Perf Week-1.11%
Perf Month9.00%
Perf Quarter-0.35%
Perf Half Y15.32%
Perf YTD24.57%
Perf Year31.09%
Perf 3Y131.46%
Perf 5Y34.08%
Perf 10Y30.91%
Recom2.20
Target Price42.75
Prev Close39.11
Price38.82
Change %-0.75%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 02, 2026InitiatedHHovde GroupMarket Perform$38-2.1%
Jul 09, 2026InitiatedTThe Benchmark CompanyBuy
Oct 08, 2025InitiatedKKeefe BruyetteMkt Perform$34-12.4%
Aug 21, 2025ResumedPPiper SandlerOverweight$35-9.8%
Oct 06, 2022DowngradeRRaymond JamesOutperform → Mkt Perform
Jan 27, 2022DowngradeCCompass PointBuy → Neutral$31 → $30-22.7%
Mar 11, 2021UpgradeRRaymond JamesMkt Perform → Outperform$29-25.3%
Jan 28, 2021UpgradePPiper SandlerNeutral → Overweight$23-40.7%
Jun 10, 2020ResumedPPiper SandlerNeutral
Apr 23, 2020UpgradeCCompass PointNeutral → Buy$18-53.6%

Peers

Mkt cap
TickerCompanyMkt cap
BOHBank of Hawaii Corp2.73B
FHBFirst Hawaiian INC3.02B
HOPEHope Bancorp Inc1.68B
HAFCHanmi Financial Corp961.55M
NRIMNorthrim Bancorp Inc531.99M
HFWAHeritage Financial Corp1.14B
WABCWestamerica Bancorporation1.37B
TCBKTrico Bancshares1.66B
BMRCBank of Marin Bancorp462.33M
CVBFCVB Financial Corp3.96B

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Ngo Agnes CatherineDirectorDec 11 '25Proposed Sale31.805,000159,000Dec 11 11:53 AM
Ngo Agnes CatherineDirectorDec 02 '25Proposed Sale30.005,000150,000Dec 02 03:41 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.82B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
SPSMState Street SPDR Portfolio S&P 600TM Small Cap ETFAUM: 16.06B

News

latest 14 of 206
  • Central Pacific Financial Beats On Margin Expansion, But Stalled Loan Growth Clouds The Path Beyond Q4 (Earnings Whispers)
  • Central Pacific Financial: Q3 Earnings Snapshot (Associated Press)
  • Central Pacific Financial Reports Third Quarter 2026 Earnings of $22.8 Million (Business Wire)
  • Central Pacific Faces A Loan Growth Reckoning As The Back-Half Promise Comes Due (Earnings Whispers)
  • Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2026 Financial Results (Business Wire)
  • Loading…
  • Central Pacific Financial Corp (CPF) Q2 2026 Earnings Call Highlights: Strong Net Income Growth ... (GuruFocus.com)
  • Central Pacific Financial Reports Second Quarter 2026 Earnings of $20.8 Million (Business Wire)
  • Central Pacific Financial: Q2 Earnings Snapshot (Associated Press)
  • Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results (Business Wire)
  • Central Pacific Financial Corp (CPF) Q1 2026 Earnings Call Highlights: Strong Earnings Growth ... (GuruFocus.com)
  • Central Pacific Financial Reports First Quarter 2026 Earnings of $20.7 Million (Business Wire)
  • Central Pacific Financial: Q1 Earnings Snapshot (Associated Press)
  • Central Pacific Financial Corp. Announces Conference Call to Discuss First Quarter 2026 Financial Results (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-280.8800.8480.88076.8377.275
2026Q22026-07-240.8000.7830.79877.4575.694
2026Q12026-04-290.7800.7370.78572.9374.303
2025Q42026-01-280.8500.7270.85376.2975.433
2025Q32025-10-290.6900.7200.68674.8174.373
2025Q22025-07-250.6700.6400.67572.8171.801
2025Q12025-04-230.6500.6300.65368.8068.932
2024Q42025-01-290.4200.6150.41758.4067.012
2024Q32024-10-300.4900.5600.48966.5965.402
2024Q22024-07-310.5800.4750.58364.0461.932
2024Q12024-04-240.4800.4500.47861.4360.982
2023Q42024-01-310.5500.4800.54966.3161.382
2023Q32023-10-250.4900.5200.48561.9862.452
2023Q22023-07-260.5300.5350.53563.1764.392
2023Q12023-04-260.6000.5500.59765.2165.252
2022Q42023-01-250.7400.5970.73967.8966.843

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.5901.5481.345204.2205.7
2018FY2.0101.9582.009211.8211.15
2019FY2.0302.0202.034225.88222.91
2020FY1.3201.2381.323242.88238.42
2021FY2.8302.6872.827254.11253.9
2022FY2.6802.5402.682263.48254.48
2023FY2.1702.1002.167256.66252.37
2024FY1.9702.1651.967250.46259.57
2025FY2.8602.7372.860292.7292.47
2026FY-3.326--305.79
2027FY-3.672--318.8
2028FY-3.954--328.93

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2850078.2077.5878.70
2026Q4S2026-10-0150077.7977.1378.70
2026Q4S2026-07-2740077.7377.1378.70
2026Q4S2026-07-2440077.7877.1378.90
2026Q4S2026-07-1340077.8877.1078.90
2026Q4S2026-07-0740177.8877.1078.90
2026Q4S2026-04-2930178.1377.3078.90
2026Q4S2026-04-1530078.3777.5079.30
2026Q4S2026-04-1330178.3777.5079.30
2026Q4S2026-01-3030278.3777.5079.30
2026Q4S2026-01-2930178.8077.5080.60
2026Q4S2026-01-2830178.7077.5080.60
2026Q4S2026-01-1230079.5778.0080.60
2026Q4S2025-12-1731179.5778.0080.60

Estimate history

EPS, annual1.3452.0092.0341.3232.8272.6822.1671.9672.8653.317
Period201720182019202020212022202320242025TTM
EPS, quarterly0.4890.4170.6530.6750.6860.8530.7850.7980.882
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual217.201234.935256.591255.924260.728280.368324.182344.764365.624366.27
Period201720182019202020212022202320242025TTM
Sales, quarterly90.60679.13988.26891.09993.4591.34488.62593.30992.997
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual30.02428.96828.28928.18327.71427.02527.04527.06626.37525.513
Period201720182019202020212022202320242025MRQ
Shares, quarterly27.06527.06627.06226.98126.90426.37526.11525.80625.513
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income315.29314.16306.10282.66232.66218.76212.42216.38198.29
Total Interest Expense64.5473.2894.3772.6617.097.7114.7332.3125.30
Net Interest Income250.75240.88211.73210.00215.56211.05197.68184.07173.00
Loan Loss Provision11.0215.719.8315.70-1.27-14.5939.125.91-0.97
Net Interest Income After Loan Loss Provision239.73225.17201.91194.30216.84225.64158.57178.16173.97
Non-Interest Income50.9851.4638.6641.5247.7141.9743.5140.2136.64
Non-Interest Expense183.29178.46172.46164.10165.96162.22150.31141.40133.77
Operating Income107.4298.1868.1171.7398.59105.3951.7676.9776.84
Unusual Expense0.000.000.000.000.000.002.380.000.00
Net Income Before Taxes112.1998.2868.0476.8298.77105.6549.0377.9378.24
Income Taxes24.9920.8014.6318.1524.8425.7611.7619.6118.76
Consolidated Net Income87.2077.4853.4158.6773.9379.8937.2758.3259.49
Net Income From Continuing Operations87.2077.4853.4158.6773.9379.8937.2758.3259.49
Net Income87.2077.4853.4158.6773.9379.8937.2758.3259.49
EPS (Recurring)-2.861.972.172.682.831.382.032.01
EPS (Basic, Before Extraordinaries)3.332.881.972.172.702.851.332.052.02
EPS (Diluted)3.322.861.972.172.682.831.322.032.01
Non-Operating Income (Expense)-0.540.10-0.085.090.180.26-0.140.260.23
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.351.781.472.083.463.223.182.962.81
Price To Earnings Ratio11.7911.7919.0911.5210.2213.7319.8120.0816.71
Price To Sales Ratio2.532.302.291.641.993.052.093.313.07
Operating Margin29.3326.8519.7622.1335.1640.4220.2230.0032.71
Net Margin23.8121.1915.4918.1026.3730.6414.5622.7325.32
Shares Outstanding25.5126.3727.0727.0527.0327.7128.1828.2928.97
Market Capitalization995.10995.101,084.53734.14761.691,086.77738.951,157.88979.86

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income80.6378.6977.1078.8879.9678.1277.2177.96
Total Interest Expense16.1615.8615.7416.7918.6618.3219.5122.19
Net Interest Income64.4762.8361.3662.0961.3059.8057.7055.77
Loan Loss Provision1.894.382.352.404.164.994.170.82
Net Interest Income After Loan Loss Provision62.5858.4559.0159.6957.1454.8153.5354.96
Non-Interest Income12.3714.6211.5312.4713.4912.9811.061.18
Non-Interest Expense44.5946.0543.3649.2945.3543.7742.0444.13
Operating Income30.3627.0227.1722.8725.2824.0222.5512.00
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes30.1726.8926.9128.2123.6423.8822.5513.40
Income Taxes7.396.076.195.345.075.614.792.06
Consolidated Net Income22.7820.8220.7322.8818.5718.2717.7611.35
Net Income From Continuing Operations22.7820.8220.7322.8818.5718.2717.7611.35
Net Income22.7820.8220.7322.8818.5718.2717.7611.35
EPS (Recurring)0.880.800.78-0.690.670.65-
EPS (Basic, Before Extraordinaries)0.890.800.790.860.690.680.660.42
EPS (Diluted)0.880.800.780.850.690.680.650.42
Non-Operating Income (Expense)-0.19-0.12-0.260.04-0.12-0.140.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.570.820.460.500.510.94-0.200.14
Price To Earnings Ratio11.7912.7411.1512.8218.7418.0518.9619.09
Price To Sales Ratio2.532.722.322.302.332.172.132.30
Operating Margin32.6428.9630.6625.0427.0626.3725.5515.17
Net Margin24.4922.3223.3925.0419.8820.0620.1214.34
Shares Outstanding25.5125.8126.1226.3726.9026.9827.0627.07
Market Capitalization995.10997.07840.23835.941,129.221,043.031,011.411,084.53

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks88.2077.77116.1897.1581.5197.5578.4280.5775.32
Investments1,635.181,662.611,704.361,367.821,890.601,215.701,176.931,399.911,528.38
Net Loans5,229.485,273.675,375.055,491.735,033.554,880.844,401.574,030.453,720.61
Investment in Unconsolidated Affiliates61.3552.4241.5546.6429.6829.6916.9213.836.45
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets-----0.000.160.410.85
Net Property, Plant & Equipment125.44135.17125.90126.62119.80111.1498.6945.2848.35
Interest Receivables23.5623.3821.5120.3416.7120.2216.5017.0016.58
Deferred Tax Assets36.8937.2243.2663.9742.7948.6740.6832.8936.94
Other Intangible Assets222.41229.25228.71233.93221.42213.00206.94198.03200.66
Total Assets7,422.527,491.497,656.527,448.197,436.056,616.816,036.815,818.375,634.16
Total Deposits6,609.766,644.016,847.596,736.226,639.165,796.125,120.024,946.494,956.35
Total Debt102.10188.37186.74146.75146.35174.58299.88317.97124.58
Long Term Debt98.14184.53183.60137.98141.92147.89124.93101.5592.78
Provision for Risks Charges31.9422.4725.7126.8419.100.000.000.000.00
Deferred Tax Liabilities13.2719.4013.7215.4316.9622.2224.1411.3510.45
Other Liabilities72.8678.8678.9570.0856.2177.1664.2550.8442.73
Total Liabilities6,829.936,953.117,152.706,995.326,877.786,070.075,508.295,326.655,134.12
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity592.58538.38503.81452.87558.22546.68528.52491.73500.01
Total Shareholders Equity592.58538.38503.81452.87558.22546.68528.52491.73500.01
Accumulated Minority Interest0.000.000.000.000.050.050.000.000.02
Total Equity592.58538.38503.81452.87558.27546.73528.52491.73500.04
Total Liabilities & Stockholders Equity7,422.527,491.497,656.527,448.197,436.056,616.816,036.815,818.375,634.16
Book Value Per Share22.4719.8918.6316.7620.1419.4018.6816.9716.65
Tangible Book Value Per Share22.4719.8918.6316.7620.1419.4018.6816.9716.59
Tier 1 Capital729.85704.04676.54642.30622.13581.36568.53570.26578.61
Tier 2 Capital65.06116.75122.64121.98119.16104.7749.2449.1649.46
Full-Time Employees763741737781820822854844838
Price to Book Ratio1.721.991.571.742.271.352.181.981.77
Return on Assets1.040.710.780.991.140.590.981.040.75
Return on Equity13.7010.2512.2714.6214.466.9311.4312.008.20
Return on Invested Capital11.227.398.5312.5111.415.378.9310.036.95
Current Ratio0.090.090.170.040.090.040.040.020.04

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations82.1875.6382.2483.9898.2083.5762.4069.0385.67
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital29.6615.6310.9121.0811.727.395.962.104.67
Cash from Operating Activities111.8491.2693.15105.06109.9290.9668.3571.1290.33
Capital Expenditures-7.51-6.32-18.10-12.65-19.74-25.71-26.00-7.20-3.23
Net Assets From Acquisitions-17.47-9.88-18.82-1.65-10.25-2.91-8.44-1.22-3.30
Sale of Fixed Assets and Businesses0.000.000.006.710.000.000.000.000.00
Purchase or Sale of Investments-33.9466.82-57.9681.2892.59-498.44-49.51253.70111.29
Purchase of Investments-162.63-50.59-253.58-47.39-109.10-1,071.36-581.01-55.01-85.37
Sale Or Maturity of Investments128.69117.42195.62128.68201.69572.92531.50308.71196.66
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources3.284.114.122.6311.002.612.341.041.10
Cash from Investing Activities-10.4673.39-1.97179.71-380.28-642.76-588.51-127.90-197.99
Cash Dividends Paid-30.29-29.36-28.14-28.12-28.50-26.96-25.93-25.71-24.14
Change in Capital Stock-50.76-23.34-0.94-2.63-20.06-17.43-4.75-22.64-32.82
Repurchase of Common Pref Stock-50.76-23.34-0.94-2.63-20.74-18.67-4.75-22.79-32.82
Sale of Common Pref Stock0.000.000.000.000.681.240.000.150.00
Proceedsfrom Stock Options0.000.000.000.000.681.240.000.150.00
Issuance or Reduction of Debt, Net-55.00-80.000.0045.005.00-22.00-124.16-67.62194.38
Change in Long Term Debt-55.00-80.000.0050.000.000.003.84-20.6229.38
Issuance of Long Term Debt0.000.000.0050.000.000.00119.780.0050.00
Reduction of Long Term Debt-55.00-80.000.000.000.000.00-115.94-20.62-20.62
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00-0.000.00-0.00-
Cash from Financing Activities-49.87-166.94-232.67125.6253.50776.65521.2557.57127.55
Net Change in Cash49.52-2.29-141.50410.39-216.86224.841.090.7919.89
Free Cash Flow105.6686.1078.0592.4191.4868.8042.3663.9287.11
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow12.2914.8515.818.298.8819.0332.6222.1911.45
Federal Home Loan Advances Increase (Decrease)--18.91-0.142.35-1.180.276.751.66-8.88

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks116.6996.6888.8888.20102.86110.94
Investments1,673.861,757.421,742.961,635.181,621.101,630.52
Net Loans5,253.235,247.745,260.425,229.485,306.815,230.20
Investment in Unconsolidated Affiliates2.732.732.7361.352.733.60
Net Property, Plant & Equipment122.60123.54124.26125.44126.56134.35
Interest Receivables25.1823.4224.3223.5625.2323.52
Deferred Tax Assets31.9024.8026.8036.8918.5021.10
Other Intangible Assets222.45223.80224.99222.41217.69215.34
Total Assets7,449.617,501.067,495.367,422.527,421.487,369.57
Total Deposits6,663.866,695.756,699.356,609.766,577.686,544.99
Total Debt99.59100.61101.62102.10157.81163.45
Long Term Debt95.1795.1798.5898.14153.03157.50
Provision for Risks Charges41.4137.2527.3731.9435.2331.91
Deferred Tax Liabilities---13.27--
Other Liabilities63.3171.1273.1472.8662.6860.34
Total Liabilities6,868.176,904.736,901.486,829.936,833.416,800.69
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity581.44596.33593.88592.58588.07568.87
Total Shareholders Equity581.44596.33593.88592.58588.07568.87
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity581.44596.33593.88592.58588.07568.87
Total Liabilities & Stockholders Equity7,449.617,501.067,495.367,422.527,421.487,369.57
Book Value Per Share22.7923.1122.7422.4721.8621.08
Tangible Book Value Per Share22.7923.1122.7422.4721.8621.08
Tier 1 Capital739.25734.38731.49729.85729.79720.20
Tier 2 Capital65.9566.7365.0065.06120.12118.62
Full-Time Employees---763--
Price to Book Ratio1.721.681.421.431.991.88
Return on Assets1.171.121.081.040.890.82
Return on Equity14.9114.2513.9813.7011.6511.16
Return on Invested Capital3.373.012.993.312.512.52
Current Ratio0.120.120.130.090.100.10

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations26.0625.5719.1411.4123.4413.98
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital3.5815.620.559.91-2.0817.22
Cash from Operating Activities29.6441.1919.6921.3221.3531.20
Capital Expenditures-1.97-2.76-1.25-1.53-1.17-2.59
Net Assets From Acquisitions-7.55-0.00-4.20-5.72-3.510.30
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments11.65-48.06-23.8726.3430.0928.72
Purchase of Investments-37.56-76.21-48.860.000.00-9.77
Sale Or Maturity of Investments49.2128.1524.9926.3430.0938.48
Other Uses0.000.000.000.000.000.00
Other Sources2.450.000.000.831.222.06
Cash from Investing Activities-1.28-42.12-63.2096.14-53.5069.79
Cash Dividends Paid-7.69-7.53-7.61-7.46-7.28-7.29
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-12.64-11.27-10.53-16.32-2.34-2.58
Repurchase of Common Pref Stock-12.64-11.27-10.53-16.32-2.34-2.58
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net0.000.000.00-55.000.000.00
Change in Long Term Debt0.000.000.00-55.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.00-55.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-52.22-22.4071.45-46.7023.07-60.92
Net Change in Cash-23.86-23.3227.9468.76-7.0840.07
Free Cash Flow27.8539.2718.6219.9220.4829.20
Price to Free Cash Flow12.2914.5814.4114.7312.5012.94

Revenue breakdown

Income from Fiduciary Activities2024: 5.76M 2025: 6.20M
Mortgage Banking Income2024: 917.00K 2025: 1.03M
Other Service Charges and Fees2024: 20.13M 2025: 21.35M
Service Charges on Deposit Accounts2024: 8.66M 2025: 9.02M
United States2024: 35.46M 2025: 37.61M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.51%0.9M24.8M159.74K
2026-10-153.52%0.9M25.1M162.59K
2026-09-303.51%0.9M25.1M159.02K
2026-09-152.80%0.7M25.1M159.54K
2026-08-312.49%0.6M25.1M155.59K
2026-08-142.41%0.6M25.1M151.70K
2026-07-312.30%0.6M25.1M147.42K
2026-07-152.55%0.6M25.4M142.62K
2026-06-302.61%0.7M25.4M144.02K
2026-06-152.32%0.6M25.4M144.55K
2026-05-292.12%0.5M25.4M152.58K
2026-05-152.11%0.5M25.4M162.29K
2026-04-302.09%0.5M25.5M169.61K
2026-04-151.91%0.5M25.8M175.26K
2026-03-312.14%0.5M25.7M177.33K
2026-03-131.97%0.5M25.7M172.64K
2026-02-272.01%0.5M25.7M169.33K
2026-02-131.54%0.4M26.3M159.51K
2026-01-301.42%0.4M26.3M157.05K
2026-01-151.63%0.4M26.3M151.36K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0016.7021.500.005.2440.000.000.970-0.0550.004
call22.5014.4019.000.004.5430.000.000.965-0.0540.005
call25.0011.9016.500.003.9190.000.000.897-0.1590.011
call30.006.9011.400.002.7700.000.000.854-0.1400.014
call35.001.806.500.001.8460.000.000.766-0.1080.019
call40.000.002.100.001.0540.000.000.487-0.1760.024
call45.000.004.600.001.1030.000.000.247-0.1140.020
call50.000.004.600.002.1820.000.000.293-0.2550.021
call55.000.000.950.001.8730.000.000.169-0.1550.016
put20.000.004.600.002.4920.000.00-0.029-0.0560.004
put22.500.000.200.003.2560.000.00-0.096-0.1810.011
put25.000.004.600.002.6600.000.00-0.101-0.1590.011
put30.000.004.600.001.8250.000.00-0.144-0.1400.014
put35.000.000.950.101.0432.000.00-0.234-0.1080.019
put40.000.654.900.001.7540.000.00-0.512-0.1750.024
put45.003.708.500.001.8560.000.00-0.656-0.2120.023
put50.008.8013.500.002.3590.000.00-0.707-0.2540.021
put55.0013.7018.200.002.6240.000.00-0.831-0.1650.015

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-108-KCurrent report2026-11-10SEC
2026-10-2810-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-07SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-248-KCurrent report2026-07-24SEC
2026-07-028-KCurrent report2026-06-30SEC
2026-06-2511-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-048-KCurrent report2026-04-30SEC
2026-04-29SCHEDULE 13GSEC
2026-04-2910-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-04-298-KCurrent report2026-04-29SEC
2026-03-26SCHEDULE 13G/ASEC
2026-03-06DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-03-06DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-04-30SEC
2026-02-2710-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-02-244Statement of changes in beneficial ownership of securities2026-02-17SEC
2026-02-244Statement of changes in beneficial ownership of securities2026-02-17SEC
2026-02-244Statement of changes in beneficial ownership of securities2026-02-17SEC
2026-02-194Statement of changes in beneficial ownership of securities2026-02-17SEC
2026-02-194Statement of changes in beneficial ownership of securities2026-02-17SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.75%
HoldCo Asset Management, LP9.30%
STATE STREET CORP4.96%
DIMENSIONAL FUND ADVISORS LP4.75%
VANGUARD CAPITAL MANAGEMENT LLC4.28%
AMERICAN CENTURY COMPANIES INC3.77%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.55%
GEODE CAPITAL MANAGEMENT, LLC3.16%
VANGUARD PORTFOLIO MANAGEMENT LLC3.02%
BASSWOOD CAPITAL MANAGEMENT, L.L.C.2.57%

Funds

Fund% owned
First Trust Emerging Markets AlphaDEX Fund36.85%
Pacer Emerging Markets Cash Cows 100 ETF15.07%
iShares Core S&P Small-Cap ETF5.95%
Avantis U.S. Small Cap Value ETF3.42%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.04%
Schwab U.S. Dividend Equity ETF2.79%
iShares Russell 2000 ETF2.22%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.10%
Fidelity Enhanced Small Cap Core ETF0.94%

OakChart. CPF. Cached 15 minutes.