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 398 industry peers in the Banks industry. Both the profitability and financial health of CPF have multiple concerns. CPF has a correct valuation and a medium growth rate. Finally 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.
In the past 5 years CPF has always been profitable.
Each year in the past 5 years CPF had a positive operating cash flow.
1.2 Ratios
CPF has a Return On Assets of 0.71%. This is comparable to the rest of the industry: CPF outperforms 41.21% of its industry peers.
CPF's Return On Equity of 9.92% is fine compared to the rest of the industry. CPF outperforms 66.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.92% | ||
| 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 21.33%. This is comparable to the rest of the industry: CPF outperforms 42.21% of 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) | 21.33% | ||
| 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.
The number of shares outstanding for CPF has been reduced compared to 5 years ago.
CPF has a worse debt/assets ratio than last year.
2.2 Solvency
CPF has a debt to FCF ratio of 1.41. This is a very positive value and a sign of high solvency as it would only need 1.41 years to pay back of all of its debts.
CPF's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. CPF outperforms 66.83% of its industry peers.
CPF has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
CPF has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: CPF outperforms 48.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CPF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.22%.
The Earnings Per Share has been decreasing by -0.60% on average over the past years.
CPF shows a decrease in Revenue. In the last year, the revenue decreased by -2.42%.
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)-9.22%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%-23.64%
Revenue 1Y (TTM)-2.42%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%7.77%
3.2 Future
The Earnings Per Share is expected to grow by 25.05% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.06% on average over the next years. This is quite good.
EPS Next Y40.99%
EPS Next 2Y25.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.7%
Revenue Next 2Y9.06%
Revenue Next 3YN/A
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.
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 12.71, CPF is valued correctly.
Based on the Price/Earnings ratio, CPF is valued a bit more expensive than the industry average as 61.56% of the companies are valued more cheaply.
CPF is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.01, the valuation of CPF can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CPF is valued a bit cheaper than the industry average as 62.31% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, CPF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 9.01 |
4.2 Price Multiples
65.08% 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 | 9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 25.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y25.05%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CPF has a Yearly Dividend Yield of 4.30%, which is a nice return.
CPF's Dividend Yield is a higher than the industry average which is at 3.66.
Compared to an average S&P500 Dividend Yield of 2.51, CPF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
5.2 History
The dividend of CPF has a limited annual growth rate of 3.01%.
CPF has been paying a dividend for at least 10 years, so it has 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
52.69% 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.
DP52.69%
EPS Next 2Y25.05%
EPS Next 3YN/A
NYSE:CPF (4/21/2025, 1:06:25 PM)
25.03
-0.08 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.83%
Inst Owner Change-0.74%
Ins Owners2.78%
Ins Owner Change1.71%
Market Cap678.81M
Analysts76.67
Price Target32.64 (30.4%)
Short Float %1.96%
Short Ratio2.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP52.69%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-22.87%
Min EPS beat(2)-32.38%
Max EPS beat(2)-13.37%
EPS beat(4)2
Avg EPS beat(4)-4.81%
Min EPS beat(4)-32.38%
Max EPS beat(4)20.9%
EPS beat(8)4
Avg EPS beat(8)-0.8%
EPS beat(12)7
Avg EPS beat(12)3.33%
EPS beat(16)11
Avg EPS beat(16)8.49%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)0.12%
Revenue beat(4)2
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.07%
Max Revenue beat(4)1.54%
Revenue beat(8)3
Avg Revenue beat(8)1.48%
Revenue beat(12)7
Avg Revenue beat(12)7.83%
Revenue beat(16)11
Avg Revenue beat(16)10.94%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.53%
EPS NY rev (1m)0%
EPS NY rev (3m)8.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 9.01 | ||
| P/S | 2.71 | ||
| P/FCF | 9 | ||
| P/OCF | 7.5 | ||
| P/B | 1.26 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.97
EY7.87%
EPS(NY)2.78
Fwd EY11.1%
FCF(TTM)2.78
FCFY11.11%
OCF(TTM)3.34
OCFY13.33%
SpS9.24
BVpS19.85
TBVpS19.54
PEG (NY)0.31
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.33% | ||
| GM | N/A | ||
| FCFM | 30.12% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 193.12% | ||
| Cap/Sales | 6.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 141.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC16.86%
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)-9.22%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%-23.64%
EPS Next Y40.99%
EPS Next 2Y25.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.42%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%7.77%
Revenue Next Year11.7%
Revenue Next 2Y9.06%
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-18.42%
FCF growth 3Y-5.12%
FCF growth 5Y3.02%
OCF growth 1Y-13.88%
OCF growth 3Y-6.43%
OCF growth 5Y4.63%