CENTRAL PACIFIC FINANCIAL CO (CPF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPF - US1547604090 - Common Stock
32.48 USD
+0.02 (+0.06%)
Overall CPF gets a fundamental rating of 4 out of 10. We evaluated CPF against 388 industry peers in the Banks industry. CPF may be in some trouble as it scores bad on both profitability and health. 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.
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
Looking at the Return On Assets, with a value of 0.89%, CPF is in line with its industry, outperforming 48.71% of the companies in the same industry.
CPF has a Return On Equity of 11.21%. This is in the better half of the industry: CPF outperforms 76.29% 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 47.94% of the companies in the same industry.
In the last couple of years the Profit Margin of CPF has declined.
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.
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.
CPF has a worse debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.09, CPF is in the better half of the industry, outperforming 63.14% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that CPF is not too dependend on debt financing.
CPF has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: CPF outperforms 46.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.26%
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.
CPF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.60% yearly.
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
Based on estimates for the next years, CPF will show a very strong growth in Earnings Per Share. The EPS will grow by 21.15% on average per year.
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
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
The Price/Earnings ratio is 13.15, which indicates a correct valuation of CPF.
Compared to the rest of the industry, the Price/Earnings ratio of CPF is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CPF to the average of the S&P500 Index (26.61), we can say CPF is valued rather cheaply.
CPF is valuated reasonably with a Price/Forward Earnings ratio of 10.20.
CPF's Price/Forward Earnings ratio is in line with the industry average.
CPF is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.15 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
CPF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CPF is cheaper than 75.26% of the companies in the same industry.
| 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.
A more expensive valuation may be justified as CPF's earnings are expected to grow with 21.15% in the coming years.
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%.
Compared to an average industry Dividend Yield of 2.74, CPF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, CPF pays a better dividend.
| 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 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.
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%
NYSE:CPF (12/23/2025, 11:08:32 AM)
32.48
+0.02 (+0.06%)
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 Cap871.44M
Revenue(TTM)274.81M
Net Income(TTM)65.95M
Analysts74.29
Price Target35.19 (8.34%)
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 | 13.15 | ||
| Fwd PE | 10.2 | ||
| P/S | 3.17 | ||
| P/FCF | 8.89 | ||
| P/OCF | 8.44 | ||
| P/B | 1.48 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.47
EY7.6%
EPS(NY)3.19
Fwd EY9.81%
FCF(TTM)3.65
FCFY11.24%
OCF(TTM)3.85
OCFY11.85%
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
WACC15.26%
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 13.15 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.