CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
NYSE:CPF - New York Stock Exchange, Inc. - US1547604090 - Common Stock - Currency: USD
Overall CPF gets a fundamental rating of 4 out of 10. We evaluated CPF against 395 industry peers in the Banks industry. CPF has a bad profitability rating. Also its financial health evaluation is rather negative. CPF has a decent growth rate and is not valued too expensively. CPF also has an excellent dividend rating.
1. Profitability
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.
Each year in the past 5 years CPF had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.79%, CPF is in line with its industry, outperforming 45.06% of the companies in the same industry.
CPF has a better Return On Equity (10.45%) than 71.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 10.45% | ||
| 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 (22.58%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CPF has declined.
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) | 22.58% | ||
| 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.
The number of shares outstanding for CPF remains at a similar level compared to 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 a worse debt to assets ratio.
2.2 Solvency
CPF has a debt to FCF ratio of 1.31. This is a very positive value and a sign of high solvency as it would only need 1.31 years to pay back of all of its debts.
CPF has a Debt to FCF ratio of 1.31. This is in the better half of the industry: CPF outperforms 66.08% of its industry peers.
CPF has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
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 | 1.31 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.3%
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 4.39%.
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 1.95% in the last year.
The Revenue has been growing slightly by 1.86% on average over the past years.
EPS 1Y (TTM)4.39%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%35.42%
Revenue 1Y (TTM)1.95%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%14.97%
3.2 Future
The Earnings Per Share is expected to grow by 27.08% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.98% on average over the next years. This is quite good.
EPS Next Y43.55%
EPS Next 2Y27.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.75%
Revenue Next 2Y9.98%
Revenue Next 3YN/A
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
With a Price/Earnings ratio of 13.83, CPF is valued correctly.
CPF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of CPF to the average of the S&P500 Index (27.28), we can say CPF is valued slightly cheaper.
A Price/Forward Earnings ratio of 9.30 indicates a reasonable valuation of CPF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPF indicates a somewhat cheap valuation: CPF is cheaper than 68.10% of the companies listed in the same industry.
CPF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 9.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPF indicates a somewhat cheap valuation: CPF is cheaper than 66.84% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.83 | ||
| 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 27.08% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y27.08%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPF has a Yearly Dividend Yield of 3.91%.
CPF's Dividend Yield is a higher than the industry average which is at 3.47.
CPF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.01%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
CPF pays out 48.84% of its income as dividend. 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.
DP48.84%
EPS Next 2Y27.08%
EPS Next 3YN/A
NYSE:CPF (7/3/2025, 11:07:42 AM)
29.6
+0.51 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.76%
Inst Owner Change1.38%
Ins Owners2.44%
Ins Owner Change2.19%
Market Cap798.61M
Analysts76.67
Price Target30.6 (3.38%)
Short Float %2.25%
Short Ratio3.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP48.84%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-15.12%
Min EPS beat(2)-32.38%
Max EPS beat(2)2.15%
EPS beat(4)2
Avg EPS beat(4)-5.68%
Min EPS beat(4)-32.38%
Max EPS beat(4)20.9%
EPS beat(8)4
Avg EPS beat(8)-1.53%
EPS beat(12)7
Avg EPS beat(12)1.47%
EPS beat(16)11
Avg EPS beat(16)6.75%
Revenue beat(2)0
Avg Revenue beat(2)-0.36%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)-0.15%
Revenue beat(4)2
Avg Revenue beat(4)0.23%
Min Revenue beat(4)-0.57%
Max Revenue beat(4)1.54%
Revenue beat(8)3
Avg Revenue beat(8)1.85%
Revenue beat(12)6
Avg Revenue beat(12)6.59%
Revenue beat(16)10
Avg Revenue beat(16)9.77%
PT rev (1m)0%
PT rev (3m)-6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.48%
EPS NY rev (1m)-0.88%
EPS NY rev (3m)1.82%
Revenue NQ rev (1m)0.59%
Revenue NQ rev (3m)2.07%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 9.3 | ||
| P/S | 3.1 | ||
| P/FCF | 9.83 | ||
| P/OCF | 8.5 | ||
| P/B | 1.43 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY7.23%
EPS(NY)3.18
Fwd EY10.75%
FCF(TTM)3.01
FCFY10.17%
OCF(TTM)3.48
OCFY11.77%
SpS9.56
BVpS20.66
TBVpS20.35
PEG (NY)0.32
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 10.45% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.58% | ||
| GM | N/A | ||
| FCFM | 31.51% |
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-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 162.68% | ||
| Cap/Sales | 4.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 139.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC16.3%
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)4.39%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%35.42%
EPS Next Y43.55%
EPS Next 2Y27.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.95%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%14.97%
Revenue Next Year13.75%
Revenue Next 2Y9.98%
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 1Y-20.07%
FCF growth 3Y-5.12%
FCF growth 5Y3.02%
OCF growth 1Y-23.6%
OCF growth 3Y-6.43%
OCF growth 5Y4.63%