Is Central Pacific Financial Corp. overvalued or undervalued?

As of 25 July 2025, the valuation grade for Central Pacific Financial Corp. has moved from expensive to fair. The company is currently fairly valued based on its metrics. Key ratios include a P/E ratio of 12, a Price to Book Value of 1.29, and an EV to EBITDA of 6.89. In comparison to peers, Horizon Bancorp, Inc. has a higher P/E of 16.37, while Cantaloupe, Inc. shows a lower P/E of 13.56 and a significantly higher EV to EBITDA of 21.90.
In terms of stock performance, Central Pacific Financial Corp. has returned 10.08% over the past year, which is notably lower than the S&P 500's return of 17.14%, indicating that while the stock is fairly valued, it has underperformed relative to the broader market.