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Central Pacific Financial Corp. · NYSE
Price: $34.01 · Annual div: $1.11/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in CPF → $567.5K in 10 years · $175.14/month
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold CPF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.26% | 0.46% | $326 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.77% | -0.03% | $277 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.61% | -0.19% | $261 / yr |
| 🇬🇧 UK ISA | 0% | 3.26% | 0.46% | $326 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.97% | 0.17% | $297 / yr |
| 🇨🇦 TFSA | 0% | 3.26% | 0.46% | $326 / yr |
| 🇨🇦 CA Taxable | 25% | 2.44% | -0.35% | $245 / yr |
| 🇦🇺 Super (pension) | 15% | 2.77% | -0.03% | $277 / yr |
| 🇦🇺 AU Taxable | 30% | 2.28% | -0.52% | $228 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.40% | -0.40% | $240 / yr |
| 🇫🇷 FR Taxable | 30% | 2.28% | -0.52% | $228 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.11/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CPF pays quarterly — 4 times per year. Next ex-div: TBD.
How CPF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CPF sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-05-15 | 1,857 | $33.65 | $62.5K | ||
| A-Award | 2026-05-15 | 2,117 | — | — | ||
| A-Award | 2026-05-15 | 2,117 | — | — | ||
| A-Award | 2026-05-15 | 1,857 | — | — | ||
| A-Award | 2026-05-15 | 2,080 | $33.65 | $70.0K | ||
| A-Award | 2026-05-15 | 2,303 | $33.65 | $77.5K | ||
| A-Award | 2026-05-15 | 2,080 | $33.65 | $70.0K | ||
| A-Award | 2026-05-15 | 1,857 | $33.65 | $62.5K | ||
| A-Award | 2026-05-15 | 2,228 | $33.65 | $75.0K | ||
| A-Award | 2026-02-17 | 7,746 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CPF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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