A Business at a Glance
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CENTRAL PACIFIC FINANCIAL CORP
CPF
$1.0B
Mkt Cap
$38.65
-0.08%
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a current P/E ratio of 13.5, compared to its historical median P/E of 11.1. The stock is currently considered Fair based on its historical valuation range.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a 5-year average return on invested capital (ROIC) of 10.8%. This indicates solid capital allocation.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a market capitalization of $1.0B. It is classified as a small-cap stock.
Yes, CENTRAL PACIFIC FINANCIAL CORP (CPF) pays a dividend with a trailing twelve-month yield of 2.94%.
Based on historical P/E analysis, CENTRAL PACIFIC FINANCIAL CORP (CPF) appears fair. The current P/E of 13.5 is 21% above its historical median of 11.1. The estimated fair value CAGR (P/E method) is 4.7%.
CENTRAL PACIFIC FINANCIAL CORP (CPF) operates in the State Commercial Banks industry, within the Financials sector.
CENTRAL PACIFIC FINANCIAL CORP (CPF) reported annual revenue of $366 million in its most recent fiscal year, based on SEC EDGAR filings.
Central Pacific Financial Corp. is a Hawaii corporation and a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the "BHC Act"). CPF was organized on February 1, 1982, and serves as the holding company for its principal subsidiary, Central Pacific Bank. The Bank was incorporated in its present form in the State of Hawaii on March 16, 1982, following a holding company reorganization. Its predecessor entity was originally incorporated in the State of Hawaii on January 15, 1954. CPF reports financial results on a fiscal year ending December 31, and operates as a single reportable segment: banking operations. Throughout this document, "Central Pacific Bank" is referred to as "our Bank" or "the Bank" and "the Company," "we," "us" or "our," refers to Central Pacific Financial Corp. on a consolidated basis. The terms "Central Pacific Financial Corp.," "CPF," or "the holding company", refers to the parent company on a standalone basis.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 297M | 366M | 345M | 329M | 281M | 262M |
| Net Income | 80M | 77M | 53M | 59M | 74M | 80M |
| EPS | $3.03 | $2.86 | $1.97 | $2.17 | $2.68 | $2.83 |
| Free Cash Flow | 90M | 92M | 75M | 92M | 96M | 88M |
| ROIC | 0.0% | 11.4% | 7.9% | 9.6% | 12.1% | 13.2% |
| Gross Margin | - | 76.5% | 69.5% | 73.3% | 93.5% | 91.5% |
| Debt/Equity | 0.13 | 0.13 | 0.29 | 0.31 | 0.24 | 0.19 |
| Dividends/Share | $1.14 | $1.09 | $1.04 | $1.04 | $1.04 | $0.96 |
| Operating Income | 0 | 98M | 68M | 77M | 18M | 14M |
| Operating Margin | 0.0% | 26.9% | 19.7% | 23.3% | 6.2% | 5.5% |
| ROE | 13.5% | 13.7% | 10.2% | 12.3% | 14.6% | 14.5% |
| Shares Outstanding | 26M | 27M | 27M | 27M | 28M | 28M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 191M | 191M | 209M | 219M | 237M | 258M | 258M | 262M | 281M | 329M | 345M | 366M | 297M |
| Gross Margin | 93.3% | 88.4% | 93.0% | N/A | N/A | 85.0% | 77.9% | 91.5% | 93.5% | 73.3% | 69.5% | 76.5% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 68M | 66M | 74M | 72M | 75M | 81M | 84M | 90M | 89M | 82M | 86M | 94M | 95M |
| EBIT | 61M | 73M | 73M | 76M | 14M | 16M | 21M | 14M | 18M | 77M | 68M | 98M | 0 |
| Op. Margin | 31.9% | 38.2% | 35.0% | 34.6% | 6.0% | 6.1% | 8.3% | 5.5% | 6.2% | 23.3% | 19.7% | 26.9% | 0.0% |
| Net Income | 40M | 46M | 47M | 41M | 59M | 58M | 37M | 80M | 74M | 59M | 53M | 77M | 80M |
| Net Margin | 21.2% | 24.0% | 22.4% | 18.8% | 25.1% | 22.6% | 14.5% | 30.5% | 26.3% | 17.8% | 15.5% | 21.2% | 27.1% |
| Non-Recurring | 0 | 0 | 3.5M | 0 | 0 | 0 | -839K | -101K | -295K | 5.1M | -56K | -2.0M | -2.0M |
| Returns on Capital | |||||||||||||
| ROIC | 5.7% | 7.3% | 7.9% | 6.9% | 9.9% | 9.4% | 6.3% | 13.2% | 12.1% | 9.6% | 7.9% | 11.4% | 0.0% |
| ROE | 6.6% | 8.6% | 9.4% | 8.2% | 12.0% | 11.4% | 6.9% | 14.5% | 14.6% | 12.3% | 10.2% | 13.7% | 13.5% |
| ROA | 0.8% | 0.9% | 0.9% | 0.7% | 1.0% | 1.0% | 0.6% | 1.1% | 1.0% | 0.8% | 0.7% | 1.0% | 1.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 71M | 75M | 76M | 97M | 103M | 72M | 77M | 110M | 114M | 105M | 91M | 97M | 95M |
| Free Cash Flow | 65M | 69M | 71M | 90M | 100M | 65M | 51M | 88M | 96M | 92M | 75M | 92M | 90M |
| Owner Earnings | 62M | 65M | 67M | 90M | 97M | 67M | 67M | 100M | 104M | 97M | 82M | 88M | -13M |
| CapEx | 6.0M | 5.8M | 5.9M | 6.5M | 3.2M | 7.2M | 26M | 22M | 18M | 13M | 15M | 5.2M | 5.3M |
| Maint. CapEx | 5.3M | 6.9M | 7.7M | 5.0M | 3.9M | 2.5M | 6.2M | 7.0M | 6.9M | 6.9M | 6.9M | 7.1M | 106M |
| Growth CapEx | 685K | 0 | 0 | 1.6M | 0 | 4.7M | 20M | 15M | 12M | 5.7M | 8.2M | 0 | 0 |
| D&A | 5.3M | 6.9M | 7.7M | 5.0M | 3.9M | 2.5M | 6.2M | 7.0M | 6.9M | 6.9M | 6.9M | 7.1M | 106M |
| CapEx/OCF | 8.4% | 7.8% | 7.7% | 6.7% | 3.1% | 10.0% | 33.9% | 20.1% | 16.2% | 12.0% | 16.7% | 5.3% | 5.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 13M | 26M | 19M | 21M | 24M | 26M | 26M | 27M | 29M | 28M | 28M | 29M | 30M |
| Dividend Yield | 2.9% | 5.4% | 3.6% | 3.2% | 4.0% | 4.2% | 6.6% | 4.6% | 5.1% | 6.6% | 4.7% | 3.9% | 2.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 27.2% | 19.0% | 2.6% | 4.0% | 6.2% | 3.5% | 1.1% | 2.8% | 4.4% | 0.5% | 0.1% | 2.7% | 0.0% |
| Stock-Based Comp | 4.2M | 3.1M | 1.3M | 1.9M | 2.8M | 2.7M | 3.2M | 3.2M | 3.3M | 1.6M | 2.1M | 2.3M | 2.6M |
| Debt Repayment | 14K | 0 | 0 | 0 | 21M | 21M | 116M | 0 | 0 | 0 | 0 | 80M | 80M |
| Balance Sheet | |||||||||||||
| Net Debt | -1.4B | -1.4B | -1.3B | -1.5B | -1.1B | -980M | -1.2B | -1.9B | -1.3B | -1.6B | -1.6B | -1.6B | -1.7B |
| Cash & Equiv. | 86M | 80M | 84M | 82M | 102M | 103M | 104M | 329M | 112M | 522M | 381M | 379M | 1.7B |
| Long-Term Debt | 93M | 93M | 93M | 93M | 122M | 102M | 0 | 106M | 106M | 156M | 156M | 77M | 77M |
| Debt/Equity | 0.23 | 0.33 | 0.45 | 0.25 | 0.65 | 0.48 | 0.19 | 0.19 | 0.24 | 0.31 | 0.29 | 0.13 | 0.13 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 568M | 495M | 505M | 500M | 492M | 529M | 547M | 558M | 453M | 504M | 538M | 593M | 594M |
| Total Assets | 4.9B | 5.1B | 5.4B | 5.6B | 5.8B | 6.0B | 6.6B | 7.4B | 7.4B | 7.6B | 7.5B | 7.4B | 7.5B |
| Total Liabilities | 4.3B | 4.6B | 4.9B | 5.1B | 5.3B | 5.5B | 6.0B | 6.9B | 7.0B | 7.1B | 6.9B | 6.8B | 6.9B |
| Intangibles | 30M | 25M | 20M | 18M | 16M | 15M | 12M | 9.7M | 9.1M | 1.5M | 1.5M | N/A | N/A |
| Retained Earnings | -157M | -137M | -109M | -89M | -52M | -19M | -11M | 42M | 87M | 118M | 143M | 191M | 204M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.07 | 1.40 | 1.50 | 1.34 | 2.01 | 2.03 | 1.32 | 2.83 | 2.68 | 2.17 | 1.97 | 2.86 | 3.03 |
| Owner EPS | 1.64 | 1.97 | 2.15 | 2.92 | 3.27 | 2.33 | 2.39 | 3.55 | 3.77 | 3.57 | 3.01 | 3.25 | -0.49 |
| Book Value | 15.02 | 15.10 | 16.11 | 16.26 | 16.62 | 18.40 | 19.36 | 19.77 | 16.42 | 18.63 | 19.86 | 21.87 | 22.74 |
| Cash Flow/Share | 1.89 | 2.27 | 2.44 | 3.15 | 3.50 | 2.51 | 2.72 | 3.91 | 4.14 | 3.89 | 3.34 | 3.60 | 7.12 |
| Dividends/Share | 0.36 | 0.82 | 0.60 | 0.70 | 0.82 | 0.90 | 0.92 | 0.96 | 1.04 | 1.04 | 1.04 | 1.09 | 1.14 |
| Shares Out. | 37.8M | 32.8M | 31.3M | 30.7M | 29.6M | 28.7M | 28.2M | 28.2M | 27.6M | 27.0M | 27.1M | 27.1M | 26.1M |
| Valuation | |||||||||||||
| P/E Ratio | 12.9 | 10.7 | 14.6 | 16.0 | 8.8 | 11.1 | 11.5 | 8.2 | 6.4 | 8.4 | 14.0 | 11.2 | 12.8 |
| P/FCF | 8.0 | 7.2 | 9.7 | 7.3 | 5.2 | 9.9 | 8.4 | 7.4 | 4.9 | 5.3 | 9.9 | 9.4 | 11.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.9 | 1.0 | 1.4 | 1.3 | 1.1 | 1.2 | 0.8 | 1.2 | 1.0 | 1.0 | 1.4 | 1.5 | 1.7 |
| Price/Sales | 2.5 | 2.6 | 2.6 | 3.3 | 2.9 | 2.7 | 1.6 | 2.3 | 2.1 | 1.7 | 2.4 | 2.6 | 3.4 |
| FCF Yield | 12.5% | 14.0% | 10.3% | 13.7% | 19.1% | 10.1% | 11.9% | 13.5% | 20.4% | 18.7% | 10.1% | 10.7% | 8.9% |
| Market Cap | 523M | 492M | 687M | 661M | 526M | 646M | 429M | 656M | 470M | 494M | 745M | 866M | 1.0B |
| Avg. Price | 12.38 | 14.86 | 16.52 | 21.72 | 20.49 | 21.40 | 13.89 | 20.68 | 20.25 | 15.83 | 22.21 | 27.69 | 38.65 |
| Year-End Price | 13.82 | 15.01 | 21.94 | 21.50 | 17.76 | 22.48 | 15.18 | 23.22 | 17.03 | 18.28 | 27.49 | 31.95 | 38.65 |
CENTRAL PACIFIC FINANCIAL CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
CENTRAL PACIFIC FINANCIAL CORP trades at 13.5x trailing earnings, compared to its 15-year median P/E of 11.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.0x vs a median of 7.9x. The company's 5-year average ROIC is 10.8% with a gross margin of 80.8%. Total shareholder yield (dividends) is 2.9%. At current prices, the estimated annualized return to fair value is +6.3%.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a net profit margin of 21.2%. This is a strong margin indicating high profitability.
CENTRAL PACIFIC FINANCIAL CORP (CPF) generated $92 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a debt-to-equity ratio of 0.13. This indicates a conservatively financed balance sheet.
CENTRAL PACIFIC FINANCIAL CORP (CPF) reported earnings per share (EPS) of $2.86 in its most recent fiscal year.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a return on equity (ROE) of 13.7%. This indicates moderate shareholder returns.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a 5-year average gross margin of 80.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for CENTRAL PACIFIC FINANCIAL CORP (CPF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CENTRAL PACIFIC FINANCIAL CORP (CPF) has a book value per share of $21.87, based on its most recent annual SEC filing.