CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
USA - NYSE:CPF - US1547604090 - Common Stock
30 USD
-0.5 (-1.64%)
30 USD
0 (0%)
Taking everything into account, CPF scores 4 out of 10 in our fundamental rating. CPF was compared to 392 industry peers in the Banks industry. CPF may be in some trouble as it scores bad on both profitability and health. CPF has a correct valuation and a medium growth rate. CPF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CPF had positive earnings in the past year.
CPF had a positive operating cash flow in the past year.
CPF had positive earnings in each of the past 5 years.
CPF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CPF has a Return On Assets (0.82%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 10.67%, CPF is in the better half of the industry, outperforming 74.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 10.67% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.82%
ROE(3y)12.63%
ROE(5y)11.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CPF has a Profit Margin (22.76%) which is in line with its industry peers.
CPF's Profit Margin has declined in the last couple of years.
CPF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.75%
PM growth 5Y-3.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CPF does not have a ROIC to compare to the WACC, probably because it is not profitable.
CPF has about the same amout of shares outstanding than it did 1 year ago.
CPF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CPF has a worse debt to assets ratio.
2.2 Solvency
CPF has a debt to FCF ratio of 1.15. This is a very positive value and a sign of high solvency as it would only need 1.15 years to pay back of all of its debts.
CPF has a Debt to FCF ratio of 1.15. This is in the better half of the industry: CPF outperforms 66.33% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that CPF is not too dependend on debt financing.
CPF has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CPF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.19%.
Measured over the past years, CPF shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.60% on average per year.
Looking at the last year, CPF shows a small growth in Revenue. The Revenue has grown by 5.05% in the last year.
Measured over the past years, CPF shows a small growth in Revenue. The Revenue has been growing by 1.86% on average per year.
EPS 1Y (TTM)6.19%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%15.52%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%15.17%
3.2 Future
CPF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.57% yearly.
Based on estimates for the next years, CPF will show a small growth in Revenue. The Revenue will grow by 7.63% on average per year.
EPS Next Y46.01%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
EPS Next 5YN/A
Revenue Next Year14.99%
Revenue Next 2Y10.42%
Revenue Next 3Y7.63%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.45 indicates a correct valuation of CPF.
CPF's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.20, CPF is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.32, the valuation of CPF can be described as very reasonable.
66.07% of the companies in the same industry are more expensive than CPF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CPF to the average of the S&P500 Index (22.71), we can say CPF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
CPF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CPF is cheaper than 76.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CPF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CPF's earnings are expected to grow with 18.57% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y27.82%
EPS Next 3Y18.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.49%, CPF has a reasonable but not impressive dividend return.
CPF's Dividend Yield is a higher than the industry average which is at 3.73.
CPF's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
5.2 History
The dividend of CPF has a limited annual growth rate of 3.01%.
CPF has paid a dividend for at least 10 years, which is a reliable track record.
CPF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.01%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
47.28% of the earnings are spent on dividend by CPF. This is a bit on the high side, but may be sustainable.
CPF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.28%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
30
-0.5 (-1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.66%
Inst Owner Change-0.89%
Ins Owners2.43%
Ins Owner Change0.17%
Market Cap809.40M
Analysts76.67
Price Target35.7 (19%)
Short Float %1.9%
Short Ratio3.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP47.28%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.54%
Min EPS beat(2)-5.23%
Max EPS beat(2)2.15%
EPS beat(4)1
Avg EPS beat(4)-12.21%
Min EPS beat(4)-32.38%
Max EPS beat(4)2.15%
EPS beat(8)4
Avg EPS beat(8)-1.95%
EPS beat(12)7
Avg EPS beat(12)1.16%
EPS beat(16)10
Avg EPS beat(16)5.32%
Revenue beat(2)0
Avg Revenue beat(2)-0.32%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)-0.15%
Revenue beat(4)1
Avg Revenue beat(4)-0.28%
Min Revenue beat(4)-0.57%
Max Revenue beat(4)0.12%
Revenue beat(8)3
Avg Revenue beat(8)2.09%
Revenue beat(12)5
Avg Revenue beat(12)3.81%
Revenue beat(16)9
Avg Revenue beat(16)8.43%
PT rev (1m)16.67%
PT rev (3m)16.67%
EPS NQ rev (1m)3.15%
EPS NQ rev (3m)4.58%
EPS NY rev (1m)1.71%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)1.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.04 | ||
| P/FCF | 8.78 | ||
| P/OCF | 7.91 | ||
| P/B | 1.42 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.23
EY7.43%
EPS(NY)3.22
Fwd EY10.73%
FCF(TTM)3.42
FCFY11.4%
OCF(TTM)3.79
OCFY12.64%
SpS9.88
BVpS21.09
TBVpS20.77
PEG (NY)0.29
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 10.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.76% | ||
| GM | N/A | ||
| FCFM | 34.6% |
ROA(3y)0.83%
ROA(5y)0.82%
ROE(3y)12.63%
ROE(5y)11.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.75%
PM growth 5Y-3.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 126.37% | ||
| Cap/Sales | 3.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 152.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.57%
ROIC/WACCN/A
Cap/Depr(3y)194.83%
Cap/Depr(5y)201.12%
Cap/Sales(3y)5.98%
Cap/Sales(5y)7.4%
Profit Quality(3y)142.75%
Profit Quality(5y)134.99%
High Growth Momentum
Growth
EPS 1Y (TTM)6.19%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%15.52%
EPS Next Y46.01%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
EPS Next 5YN/A
Revenue 1Y (TTM)5.05%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%15.17%
Revenue Next Year14.99%
Revenue Next 2Y10.42%
Revenue Next 3Y7.63%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.71%
FCF growth 3Y-5.12%
FCF growth 5Y3.02%
OCF growth 1Y-10.93%
OCF growth 3Y-6.43%
OCF growth 5Y4.63%