Central Pacific Financial vs Amerisafe

Central Pacific Financial and Amerisafe are analysed side by side to help you understand how their business models compare, how their financial performance has evolved, and how each operates within the current market context. The page presents neutral information about strategy, risks, and opportunities to support informed consideration. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CPF

Metric

AMSF

$837.02M

Market Cap

$710.04M

8.00%

Potential Profit

30.03%

Hold

Analyst Rating

Hold

Investment Analysis

Central Pacific Financial

CPF

Pros

Central Pacific Financial benefits from a stable regional banking presence in Hawaii, offering diversified commercial and retail banking services with a solid local customer base.
The company pays a consistent dividend with a yield around 3.7%, appealing to income-focused investors amid a low-growth interest rate environment.
Analyst consensus forecasts revenue growth of nearly 19% by 2026, with per-share earnings expected to rise approximately 28%, signalling improving profitability prospects.

Considerations

Recent quarterly earnings missed analyst expectations, reflecting potential short-term execution risks and possible pressure on net interest margins.
Revenue declined slightly year-over-year in 2024, suggesting challenges in maintaining top-line growth despite a generally favourable macro backdrop.
The stock exhibits moderate cyclical sensitivity to Hawaii's tourism-dependent economy, exposing it to regional economic downturns or natural disasters.

Amerisafe

AMSF

Pros

Amerisafe specialises in high-hazard workers' compensation insurance, a niche with limited competition and historically stable demand from employers in risky industries.
The company has demonstrated consistent underwriting profitability, supported by disciplined risk selection and pricing in its core industrial segments.
Amerisafe maintains a strong balance sheet with ample liquidity, enabling it to weather claims volatility and invest selectively in growth opportunities.

Considerations

Amerisafe’s business is highly exposed to regulatory changes in workers' compensation laws, which can impact pricing and coverage requirements unpredictably.
The insurer’s growth is constrained by its specialised focus, limiting diversification compared to larger, multi-line competitors in the broader property-casualty market.
Economic cycles that reduce industrial employment or construction activity could directly lower premium volumes and earnings in Amerisafe’s core markets.

About The Companies

Central Pacific Financial (CPF)

Central Pacific Financial Corp. is the parent bank holding company for Central Pacific Bank, a key financial institution based in Hawaii. The company provides a comprehensive suite of traditional deposit and lending services for both individual consumers and business clients. Its offerings include various types of accounts, alongside loans for commercial purposes, construction, real estate, and personal use. Beyond core banking, CPF is also involved in wealth management, offering fiduciary services, investment management, and financial planning. Its investment portfolio contains assets like mortgage-backed securities and other debt securities. With a network of branches and ATMs across Hawaii, the company has a strong regional presence. For investors, CPF represents a focused play on the Hawaiian economy, combining traditional banking with broader financial services. As with any financial stock, its performance can be influenced by interest rates and economic trends.

Amerisafe (AMSF)

Amerisafe, Inc. is a speciality provider of workers' compensation insurance, an essential coverage for businesses. The company focuses on a specific market niche: small to mid-sized employers in hazardous industries across the United States, such as construction, trucking, logging, and agriculture. Workers' compensation insurance is mandatory for employers, covering their employees' medical expenses and lost wages if they are injured at work. By concentrating on high-hazard fields, Amerisafe operates in a space that demands deep underwriting expertise. The company's business model is based on collecting premiums from its policyholders and managing claims efficiently. For potential investors, understanding this focused strategy is key to evaluating Amerisafe's position in the broader insurance market. As with any insurer, its performance can be influenced by claims frequency, regulatory changes, and economic conditions affecting its core industries.

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Central Pacific Financial vs Amerisafe

Comparison Snapshot

Investment Analysis

Central Pacific Financial

Pros

Considerations

Amerisafe

Pros

Considerations

About The Companies

Buy CPF or AMSF in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

Central Pacific Financial vs Amerisafe

Comparison Snapshot

Investment Analysis

Central Pacific Financial

Pros

Considerations

Amerisafe

Pros

Considerations

About The Companies

Buy CPF or AMSF in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Central Pacific Financial vs Heritage Financial

Central Pacific Financial vs Noah

Central Pacific Financial vs MidWestOne

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Comparison Snapshot

About The Companies