CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPF - US1547604090 - Common Stock
32.46 USD
-0.62 (-1.87%)
32.46 USD
0 (0%)
CPF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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.
Each year in the past 5 years CPF had a positive operating cash flow.
1.2 Ratios
CPF has a Return On Assets (0.89%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 11.21%, CPF is doing good in the industry, outperforming 76.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 11.21% | ||
| 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 of 24.00%. This is comparable to the rest of the industry: CPF outperforms 47.94% of its industry peers.
CPF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CPF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24% | ||
| 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.
Compared to 1 year ago, CPF has about the same amount of shares outstanding.
CPF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CPF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CPF is 1.09, which is an excellent value as it means it would take CPF, only 1.09 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CPF (1.09) is better than 63.14% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that CPF is not too dependend on debt financing.
CPF has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CPF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.62%, which is quite good.
The Earnings Per Share has been decreasing by -0.60% on average over the past years.
Looking at the last year, CPF shows a small growth in Revenue. The Revenue has grown by 6.36% in the last year.
The Revenue has been growing slightly by 1.86% on average over the past years.
EPS 1Y (TTM)17.62%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%48.98%
Revenue 1Y (TTM)6.36%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%13.83%
3.2 Future
CPF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.15% yearly.
Based on estimates for the next years, CPF will show a quite strong growth in Revenue. The Revenue will grow by 9.41% on average per year.
EPS Next Y41.3%
EPS Next 2Y27.17%
EPS Next 3Y21.15%
EPS Next 5YN/A
Revenue Next Year14.77%
Revenue Next 2Y10.87%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.14, the valuation of CPF can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as CPF.
The average S&P500 Price/Earnings ratio is at 26.39. CPF is valued rather cheaply when compared to this.
CPF is valuated reasonably with a Price/Forward Earnings ratio of 10.19.
CPF's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of CPF to the average of the S&P500 Index (23.84), we can say CPF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.14 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
76.29% of the companies in the same industry are more expensive than CPF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.89 | ||
| 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.
CPF's earnings are expected to grow with 21.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y27.17%
EPS Next 3Y21.15%
5. Dividend
5.1 Amount
CPF has a Yearly Dividend Yield of 3.39%.
CPF's Dividend Yield is a higher than the industry average which is at 2.74.
CPF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
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
43.87% of the earnings are spent on dividend by CPF. This is a bit on the high side, but may be sustainable.
The dividend of CPF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.87%
EPS Next 2Y27.17%
EPS Next 3Y21.15%
32.46
-0.62 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.09%
Inst Owner Change0.07%
Ins Owners1.43%
Ins Owner Change-0.31%
Market Cap870.90M
Revenue(TTM)274.81M
Net Income(TTM)65.95M
Analysts74.29
Price Target35.19 (8.41%)
Short Float %1.73%
Short Ratio3.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP43.87%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.69%
Min EPS beat(2)-5.23%
Max EPS beat(2)-2.15%
EPS beat(4)1
Avg EPS beat(4)-9.4%
Min EPS beat(4)-32.38%
Max EPS beat(4)2.15%
EPS beat(8)4
Avg EPS beat(8)-1.38%
EPS beat(12)6
Avg EPS beat(12)0.93%
EPS beat(16)9
Avg EPS beat(16)3.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.3%
Min Revenue beat(2)-2.11%
Max Revenue beat(2)-0.5%
Revenue beat(4)0
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)-0.15%
Revenue beat(8)2
Avg Revenue beat(8)-0.38%
Revenue beat(12)4
Avg Revenue beat(12)2.29%
Revenue beat(16)8
Avg Revenue beat(16)6.88%
PT rev (1m)0%
PT rev (3m)-1.43%
EPS NQ rev (1m)0.94%
EPS NQ rev (3m)-6.66%
EPS NY rev (1m)0.36%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.14 | ||
| Fwd PE | 10.19 | ||
| P/S | 3.17 | ||
| P/FCF | 8.89 | ||
| P/OCF | 8.43 | ||
| P/B | 1.48 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.47
EY7.61%
EPS(NY)3.19
Fwd EY9.81%
FCF(TTM)3.65
FCFY11.25%
OCF(TTM)3.85
OCFY11.86%
SpS10.24
BVpS21.92
TBVpS21.6
PEG (NY)0.32
PEG (5Y)N/A
Graham Number34.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 11.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24% | ||
| GM | N/A | ||
| FCFM | 35.65% |
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
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-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 | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 65.41% | ||
| Cap/Sales | 1.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.25%
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)17.62%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%48.98%
EPS Next Y41.3%
EPS Next 2Y27.17%
EPS Next 3Y21.15%
EPS Next 5YN/A
Revenue 1Y (TTM)6.36%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%13.83%
Revenue Next Year14.77%
Revenue Next 2Y10.87%
Revenue Next 3Y9.41%
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-3.17%
FCF growth 3Y-5.12%
FCF growth 5Y3.02%
OCF growth 1Y-10.69%
OCF growth 3Y-6.43%
OCF growth 5Y4.63%
CENTRAL PACIFIC FINANCIAL CO / CPF FAQ
What is the fundamental rating for CPF stock?
ChartMill assigns a fundamental rating of 4 / 10 to CPF.
What is the valuation status for CPF stock?
ChartMill assigns a valuation rating of 6 / 10 to CENTRAL PACIFIC FINANCIAL CO (CPF). This can be considered as Fairly Valued.
How profitable is CENTRAL PACIFIC FINANCIAL CO (CPF) stock?
CENTRAL PACIFIC FINANCIAL CO (CPF) has a profitability rating of 3 / 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 13.14 and the Price/Book (PB) ratio is 1.48.
How financially healthy is CENTRAL PACIFIC FINANCIAL CO?
The financial health rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 3 / 10.