CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPF - US1547604090 - Common Stock
31.69 USD
+0.04 (+0.13%)
31.69 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CPF. CPF was compared to 383 industry peers in the Banks industry. CPF has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- CPF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CPF's Return On Assets of 0.89% is in line compared to the rest of the industry. CPF outperforms 48.56% of its industry peers.
- CPF has a Return On Equity of 11.21%. This is in the better half of the industry: CPF outperforms 76.50% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 24.00%, CPF is in line with its industry, outperforming 48.04% of the companies in the same industry.
- 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) | 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.
- Compared to 5 years ago, CPF has less shares outstanding
- The debt/assets ratio for CPF is higher compared to a year ago.
2.2 Solvency
- CPF has a debt to FCF ratio of 1.09. This is a very positive value and a sign of high solvency as it would only need 1.09 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.09, CPF is doing good in the industry, outperforming 63.71% of the companies in the same industry.
- A Debt/Equity ratio of 0.18 indicates that CPF is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.18, CPF perfoms like the industry average, outperforming 46.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.62% over the past year.
- The Earnings Per Share has been decreasing by -0.60% on average over the past years.
- The Revenue has been growing slightly by 6.36% in the past 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)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
- The Earnings Per Share is expected to grow by 21.51% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 9.41% on average over the next years. This is quite good.
EPS Next Y42.05%
EPS Next 2Y26.83%
EPS Next 3Y21.51%
EPS Next 5YN/A
Revenue Next Year14.77%
Revenue Next 2Y10.87%
Revenue Next 3Y9.41%
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.
- 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
- With a Price/Earnings ratio of 12.83, CPF is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of CPF is on the same level as its industry peers.
- CPF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.82.
- A Price/Forward Earnings ratio of 10.00 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 62.66% 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 25.95.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.83 | ||
| Fwd PE | 10 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CPF is valued a bit cheaper than the industry average as 77.55% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.68 | ||
| 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 21.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y26.83%
EPS Next 3Y21.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.54%, CPF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.60, CPF pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, CPF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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
- 43.87% 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.
DP43.87%
EPS Next 2Y26.83%
EPS Next 3Y21.51%
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 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.
How profitable is CENTRAL PACIFIC FINANCIAL CO (CPF) stock?
CENTRAL PACIFIC FINANCIAL CO (CPF) has a profitability rating of 3 / 10.
Can you provide the financial health for CPF stock?
The financial health rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 3 / 10.
How sustainable is the dividend of CENTRAL PACIFIC FINANCIAL CO (CPF) stock?
The dividend rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 7 / 10 and the dividend payout ratio is 43.87%.