CENTRAL PACIFIC FINANCIAL CO (CPF) Fundamental Analysis & Valuation

NYSE:CPF • US1547604090

Current stock price

33.89 USD
+0.27 (+0.8%)
At close:
33.89 USD
0 (0%)
After Hours:

This CPF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CPF Profitability Analysis

1.1 Basic Checks

  • CPF had positive earnings in the past year.
  • In the past year CPF had a positive cash flow from operations.
  • Each year in the past 5 years CPF has been profitable.
  • In the past 5 years CPF always reported a positive cash flow from operatings.
CPF Yearly Net Income VS EBIT VS OCF VS FCFCPF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.05%, CPF is in line with its industry, outperforming 59.42% of the companies in the same industry.
  • CPF has a better Return On Equity (13.08%) than 86.74% of its industry peers.
Industry RankSector Rank
ROA 1.05%
ROE 13.08%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.92%
ROE(3y)11.55%
ROE(5y)13.06%
ROIC(3y)N/A
ROIC(5y)N/A
CPF Yearly ROA, ROE, ROICCPF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CPF has a Profit Margin of 26.47%. This is comparable to the rest of the industry: CPF outperforms 57.82% of its industry peers.
  • CPF's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CPF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.92%
PM growth 5Y12.07%
GM growth 3YN/A
GM growth 5YN/A
CPF Yearly Profit, Operating, Gross MarginsCPF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CPF Health Analysis

2.1 Basic Checks

  • CPF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CPF has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CPF has been reduced compared to 5 years ago.
  • Compared to 1 year ago, CPF has an improved debt to assets ratio.
CPF Yearly Shares OutstandingCPF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CPF Yearly Total Debt VS Total AssetsCPF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • CPF has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.
  • CPF has a better Debt to FCF ratio (0.56) than 78.78% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that CPF is not too dependend on debt financing.
  • CPF has a better Debt to Equity ratio (0.09) than 70.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACCN/A
WACC13.38%
CPF Yearly LT Debt VS Equity VS FCFCPF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CPF Yearly Current Assets VS Current LiabilitesCPF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CPF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.21% over the past year.
  • Measured over the past years, CPF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.23% on average per year.
  • CPF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.87%.
  • The Revenue has been growing slightly by 3.28% on average over the past years.
EPS 1Y (TTM)47.21%
EPS 3Y3.84%
EPS 5Y17.23%
EPS Q2Q%102.38%
Revenue 1Y (TTM)16.87%
Revenue growth 3Y3.57%
Revenue growth 5Y3.28%
Sales Q2Q%12.65%

3.2 Future

  • Based on estimates for the next years, CPF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.24% on average per year.
  • CPF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.19% yearly.
EPS Next Y12.96%
EPS Next 2Y12.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.16%
Revenue Next 2Y8.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CPF Yearly Revenue VS EstimatesCPF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CPF Yearly EPS VS EstimatesCPF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. CPF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.69, the valuation of CPF can be described as reasonable.
  • Based on the Price/Earnings ratio, CPF is valued a bit cheaper than 62.86% of the companies in the same industry.
  • CPF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.18.
  • The Price/Forward Earnings ratio is 10.35, which indicates a very decent valuation of CPF.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPF.
  • The average S&P500 Price/Forward Earnings ratio is at 37.96. CPF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.69
Fwd PE 10.35
CPF Price Earnings VS Forward Price EarningsCPF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CPF is valued a bit cheaper than the industry average as 73.21% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.71
EV/EBITDA N/A
CPF Per share dataCPF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
  • CPF's earnings are expected to grow with 12.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)0.68
EPS Next 2Y12.24%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. CPF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.42%, CPF has a reasonable but not impressive dividend return.
  • CPF's Dividend Yield is a higher than the industry average which is at 2.53.
  • CPF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.42%

5.2 History

  • The dividend of CPF has a limited annual growth rate of 3.68%.
  • CPF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CPF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.68%
Div Incr Years1
Div Non Decr Years12
CPF Yearly Dividends per shareCPF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CPF pays out 37.89% of its income as dividend. This is a sustainable payout ratio.
  • CPF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.89%
EPS Next 2Y12.24%
EPS Next 3YN/A
CPF Yearly Income VS Free CF VS DividendCPF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CPF Dividend Payout.CPF Dividend Payout, showing the Payout Ratio.CPF Dividend Payout.PayoutRetained Earnings

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CPF Fundamentals: All Metrics, Ratios and Statistics

CENTRAL PACIFIC FINANCIAL CO

NYSE:CPF (4/13/2026, 8:18:08 PM)

After market: 33.89 0 (0%)

33.89

+0.27 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners93.79%
Inst Owner Change0%
Ins Owners1.53%
Ins Owner Change0.45%
Market Cap896.05M
Revenue(TTM)292.70M
Net Income(TTM)77.48M
Analysts74.29
Price Target37.23 (9.86%)
Short Float %1.96%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
Yearly Dividend1.1
Dividend Growth(5Y)3.68%
DP37.89%
Div Incr Years1
Div Non Decr Years12
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.62%
Min EPS beat(2)-2.15%
Max EPS beat(2)15.39%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-5.23%
Max EPS beat(4)15.39%
EPS beat(8)4
Avg EPS beat(8)-1.14%
EPS beat(12)6
Avg EPS beat(12)0.31%
EPS beat(16)9
Avg EPS beat(16)3.13%
Revenue beat(2)0
Avg Revenue beat(2)-2.15%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-2.11%
Revenue beat(4)0
Avg Revenue beat(4)-1.24%
Min Revenue beat(4)-2.19%
Max Revenue beat(4)-0.15%
Revenue beat(8)2
Avg Revenue beat(8)-0.62%
Revenue beat(12)3
Avg Revenue beat(12)0.57%
Revenue beat(16)7
Avg Revenue beat(16)5.57%
PT rev (1m)-2.67%
PT rev (3m)2.82%
EPS NQ rev (1m)-2.59%
EPS NQ rev (3m)8.83%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.72%
Valuation
Industry RankSector Rank
PE 11.69
Fwd PE 10.35
P/S 3.06
P/FCF 9.71
P/OCF 9.19
P/B 1.51
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)2.9
EY8.56%
EPS(NY)3.28
Fwd EY9.67%
FCF(TTM)3.49
FCFY10.3%
OCF(TTM)3.69
OCFY10.88%
SpS11.07
BVpS22.41
TBVpS22.08
PEG (NY)0.9
PEG (5Y)0.68
Graham Number38.24
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 13.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.47%
GM N/A
FCFM 31.54%
ROA(3y)0.84%
ROA(5y)0.92%
ROE(3y)11.55%
ROE(5y)13.06%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.92%
PM growth 5Y12.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.56
Debt/EBITDA N/A
Cap/Depr 64.96%
Cap/Sales 1.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.38%
ROIC/WACCN/A
Cap/Depr(3y)141.16%
Cap/Depr(5y)172.18%
Cap/Sales(3y)4.24%
Cap/Sales(5y)5.67%
Profit Quality(3y)139.32%
Profit Quality(5y)131.58%
High Growth Momentum
Growth
EPS 1Y (TTM)47.21%
EPS 3Y3.84%
EPS 5Y17.23%
EPS Q2Q%102.38%
EPS Next Y12.96%
EPS Next 2Y12.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.87%
Revenue growth 3Y3.57%
Revenue growth 5Y3.28%
Sales Q2Q%12.65%
Revenue Next Year12.16%
Revenue Next 2Y8.19%
Revenue Next 3YN/A
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 1Y22.37%
FCF growth 3Y-1.19%
FCF growth 5Y12.69%
OCF growth 1Y7.67%
OCF growth 3Y-5.12%
OCF growth 5Y4.88%

CENTRAL PACIFIC FINANCIAL CO / CPF Fundamental Analysis FAQ

What is the fundamental rating for CPF stock?

ChartMill assigns a fundamental rating of 5 / 10 to CPF.


What is the valuation status of CENTRAL PACIFIC FINANCIAL CO (CPF) stock?

ChartMill assigns a valuation rating of 6 / 10 to CENTRAL PACIFIC FINANCIAL CO (CPF). This can be considered as Fairly Valued.


Can you provide the profitability details for CENTRAL PACIFIC FINANCIAL CO?

CENTRAL PACIFIC FINANCIAL CO (CPF) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CENTRAL PACIFIC FINANCIAL CO (CPF) stock?

The Price/Earnings (PE) ratio for CENTRAL PACIFIC FINANCIAL CO (CPF) is 11.69 and the Price/Book (PB) ratio is 1.51.


Can you provide the financial health for CPF stock?

The financial health rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 4 / 10.