CENTRAL PACIFIC FINANCIAL CO (CPF)
US1547604090 - Common Stock
Taking everything into account, CPF scores 4 out of 10 in our fundamental rating. CPF was compared to 406 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. 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.
CPF had positive earnings in each of the past 5 years.
CPF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.77%, CPF perfoms like the industry average, outperforming 48.27% of the companies in the same industry.
CPF has a better Return On Equity (10.47%) than 76.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 10.47% | ||
| ROIC | N/A |
ROA(3y)0.95%
ROA(5y)0.87%
ROE(3y)14.09%
ROE(5y)12.03%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CPF (22.04%) 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) | 22.04% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.14%
PM growth 5Y-3.87%
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.
Compared to 1 year ago, CPF has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CPF is 1.51, which is an excellent value as it means it would take CPF, only 1.51 years of fcf income to pay off all of its debts.
CPF's Debt to FCF ratio of 1.51 is fine compared to the rest of the industry. CPF outperforms 67.57% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that CPF is not too dependend on debt financing.
CPF has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CPF have decreased strongly by -11.02% in the last year.
The Earnings Per Share has been growing slightly by 1.44% on average over the past years.
Looking at the last year, CPF shows a small growth in Revenue. The Revenue has grown by 0.05% in the last year.
The Revenue has been growing slightly by 3.73% on average over the past years.
EPS 1Y (TTM)-11.02%
EPS 3Y18.32%
EPS 5Y1.44%
EPS Q2Q%0%
Revenue 1Y (TTM)0.05%
Revenue growth 3Y1%
Revenue growth 5Y3.73%
Sales Q2Q%-12.53%
3.2 Future
The Earnings Per Share is expected to grow by 10.20% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.10% on average over the next years.
EPS Next Y0.77%
EPS Next 2Y8.41%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue Next Year0.55%
Revenue Next 2Y4.11%
Revenue Next 3Y5.1%
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
CPF is valuated correctly with a Price/Earnings ratio of 13.47.
CPF's Price/Earnings is on the same level as the industry average.
CPF is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.09, the valuation of CPF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CPF is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.83, CPF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.47 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CPF is valued a bit cheaper than the industry average as 63.61% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)17.56
PEG (5Y)9.34
EPS Next 2Y8.41%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
CPF has a Yearly Dividend Yield of 3.36%.
CPF's Dividend Yield is a higher than the industry average which is at 3.02.
CPF's Dividend Yield is a higher than the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
5.2 History
The dividend of CPF has a limited annual growth rate of 4.95%.
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)4.95%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
49.42% 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.
DP49.42%
EPS Next 2Y8.41%
EPS Next 3Y10.2%
CENTRAL PACIFIC FINANCIAL CO
NYSE:CPF (12/20/2024, 8:04:00 PM)
After market: 28.29 0 (0%)28.29
+0.02 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.8%
Inst Owner Change2.56%
Ins Owners11.18%
Ins Owner Change-0.13%
Market Cap765.53M
Analysts76.67
Price Target32.64 (15.38%)
Short Float %2.43%
Short Ratio3.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
Dividend Growth(5Y)4.95%
DP49.42%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.76%
Min EPS beat(2)-13.37%
Max EPS beat(2)20.9%
EPS beat(4)3
Avg EPS beat(4)6.65%
Min EPS beat(4)-13.37%
Max EPS beat(4)20.9%
EPS beat(8)5
Avg EPS beat(8)6.1%
EPS beat(12)8
Avg EPS beat(12)7.85%
EPS beat(16)12
Avg EPS beat(16)11.92%
Revenue beat(2)2
Avg Revenue beat(2)0.83%
Min Revenue beat(2)0.12%
Max Revenue beat(2)1.54%
Revenue beat(4)2
Avg Revenue beat(4)0.07%
Min Revenue beat(4)-1.07%
Max Revenue beat(4)1.54%
Revenue beat(8)4
Avg Revenue beat(8)3.85%
Revenue beat(12)8
Avg Revenue beat(12)9.45%
Revenue beat(16)12
Avg Revenue beat(16)12.95%
PT rev (1m)0%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.95%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.47 | ||
| Fwd PE | 11.09 | ||
| P/S | 2.96 | ||
| P/FCF | 10.85 | ||
| P/OCF | 8.92 | ||
| P/B | 1.41 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.1
EY7.42%
EPS(NY)2.55
Fwd EY9.01%
FCF(TTM)2.61
FCFY9.22%
OCF(TTM)3.17
OCFY11.21%
SpS9.55
BVpS20.09
TBVpS19.78
PEG (NY)17.56
PEG (5Y)9.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 10.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.04% | ||
| GM | N/A | ||
| FCFM | 27.31% |
ROA(3y)0.95%
ROA(5y)0.87%
ROE(3y)14.09%
ROE(5y)12.03%
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 3Y15.14%
PM growth 5Y-3.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 200.21% | ||
| Cap/Sales | 5.91% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 123.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.76%
ROIC/WACCN/A
Cap/Depr(3y)200.94%
Cap/Depr(5y)179.24%
Cap/Sales(3y)6.85%
Cap/Sales(5y)6.83%
Profit Quality(3y)132.51%
Profit Quality(5y)129.04%
High Growth Momentum
Growth
EPS 1Y (TTM)-11.02%
EPS 3Y18.32%
EPS 5Y1.44%
EPS Q2Q%0%
EPS Next Y0.77%
EPS Next 2Y8.41%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue 1Y (TTM)0.05%
Revenue growth 3Y1%
Revenue growth 5Y3.73%
Sales Q2Q%-12.53%
Revenue Next Year0.55%
Revenue Next 2Y4.11%
Revenue Next 3Y5.1%
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-29.8%
FCF growth 3Y22.1%
FCF growth 5Y-1.61%
OCF growth 1Y-27.02%
OCF growth 3Y11.03%
OCF growth 5Y0.31%