CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
USA - NYSE:CPF - US1547604090 - Common Stock
29.36 USD
+0.55 (+1.91%)
Taking everything into account, CPF scores 4 out of 10 in our fundamental rating. CPF was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of CPF have multiple concerns. CPF is not valued too expensively and it also shows a decent growth rate. Finally CPF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CPF was profitable.
In the past year CPF had a positive cash flow from operations.
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 0.82%. This is comparable to the rest of the industry: CPF outperforms 47.83% of its industry peers.
The Return On Equity of CPF (10.67%) is better than 74.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 10.67% | ||
| 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 (22.76%) which is comparable to the rest of the 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) | 22.76% | ||
| 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
CPF has a debt to FCF ratio of 1.15. This is a very positive value and a sign of high solvency as it would only need 1.15 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.15, CPF is in the better half of the industry, outperforming 65.47% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that CPF is not too dependend on debt financing.
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 | 1.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.74%
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 been growing slightly by 6.19% 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 5.05% 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)6.19%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%15.52%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%15.17%
3.2 Future
The Earnings Per Share is expected to grow by 18.57% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.63% on average over the next years.
EPS Next Y46.01%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
EPS Next 5YN/A
Revenue Next Year14.99%
Revenue Next 2Y10.42%
Revenue Next 3Y7.63%
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
CPF is valuated correctly with a Price/Earnings ratio of 13.17.
The rest of the industry has a similar Price/Earnings ratio as CPF.
Compared to an average S&P500 Price/Earnings ratio of 26.83, CPF is valued rather cheaply.
A Price/Forward Earnings ratio of 9.12 indicates a reasonable valuation of CPF.
Based on the Price/Forward Earnings ratio, CPF is valued a bit cheaper than 65.22% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CPF to the average of the S&P500 Index (22.82), we can say CPF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CPF is valued a bit cheaper than 77.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.59 | ||
| 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 18.57% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y27.82%
EPS Next 3Y18.57%
5. Dividend
5.1 Amount
CPF has a Yearly Dividend Yield of 3.91%. Purely for dividend investing, there may be better candidates out there.
CPF's Dividend Yield is a higher than the industry average which is at 3.53.
CPF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| 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 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
47.28% 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.
DP47.28%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
NYSE:CPF (10/24/2025, 1:50:50 PM)
29.36
+0.55 (+1.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.08%
Inst Owner Change-0.24%
Ins Owners2.4%
Ins Owner Change0.17%
Market Cap792.13M
Revenue(TTM)266.59M
Net Income(TTM)60.68M
Analysts76.67
Price Target35.7 (21.59%)
Short Float %1.64%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Yearly Dividend1.04
Dividend Growth(5Y)3.01%
DP47.28%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.54%
Min EPS beat(2)-5.23%
Max EPS beat(2)2.15%
EPS beat(4)1
Avg EPS beat(4)-12.21%
Min EPS beat(4)-32.38%
Max EPS beat(4)2.15%
EPS beat(8)4
Avg EPS beat(8)-1.95%
EPS beat(12)7
Avg EPS beat(12)1.16%
EPS beat(16)10
Avg EPS beat(16)5.32%
Revenue beat(2)0
Avg Revenue beat(2)-0.32%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)-0.15%
Revenue beat(4)1
Avg Revenue beat(4)-0.28%
Min Revenue beat(4)-0.57%
Max Revenue beat(4)0.12%
Revenue beat(8)3
Avg Revenue beat(8)2.09%
Revenue beat(12)5
Avg Revenue beat(12)3.81%
Revenue beat(16)9
Avg Revenue beat(16)8.43%
PT rev (1m)0%
PT rev (3m)16.67%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)2.59%
EPS NY rev (1m)0%
EPS NY rev (3m)1.71%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 9.12 | ||
| P/S | 2.97 | ||
| P/FCF | 8.59 | ||
| P/OCF | 7.74 | ||
| P/B | 1.39 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.23
EY7.6%
EPS(NY)3.22
Fwd EY10.96%
FCF(TTM)3.42
FCFY11.64%
OCF(TTM)3.79
OCFY12.91%
SpS9.88
BVpS21.09
TBVpS20.77
PEG (NY)0.29
PEG (5Y)N/A
Graham Number32.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 10.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.76% | ||
| GM | N/A | ||
| FCFM | 34.6% |
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 | 0.19 | ||
| Debt/FCF | 1.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 126.37% | ||
| Cap/Sales | 3.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 152.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.74%
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)6.19%
EPS 3Y-11.48%
EPS 5Y-0.6%
EPS Q2Q%15.52%
EPS Next Y46.01%
EPS Next 2Y27.82%
EPS Next 3Y18.57%
EPS Next 5YN/A
Revenue 1Y (TTM)5.05%
Revenue growth 3Y-0.92%
Revenue growth 5Y1.86%
Sales Q2Q%15.17%
Revenue Next Year14.99%
Revenue Next 2Y10.42%
Revenue Next 3Y7.63%
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-7.71%
FCF growth 3Y-5.12%
FCF growth 5Y3.02%
OCF growth 1Y-10.93%
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 13.17 and the Price/Book (PB) ratio is 1.39.
How financially healthy is CENTRAL PACIFIC FINANCIAL CO?
The financial health rating of CENTRAL PACIFIC FINANCIAL CO (CPF) is 3 / 10.