CPF Central Pacific Financial Corp

Price (delayed)

$28.48

Market cap

$805.77M

P/E Ratio

17.05

Dividend/share

$0.92

EPS

$1.67

Enterprise value

$697.35M

Sector: Financial Services
Industry: Banks - Regional

Central Pacific Financial Corp. is a Hawaii-based bank holding company with approximately $6.6 billion in assets. Central Pacific Bank, its primary subsidiary, operates 32 branches (four of which remain temporarily ...

Highlights

The debt has dropped by 60% year-on-year and by 13% since the previous quarter
The revenue has increased by 7% from the previous quarter and by 3.8% YoY
CPF's EPS is up by 26% since the previous quarter but it is down by 7% year-on-year
CPF's net income is up by 26% since the previous quarter but it is down by 7% year-on-year
The P/E is 38% above the last 4 quarters average of 12.4 and 8% above the 5-year quarterly average of 15.8

Key stats

What are the main financial stats of CPF
Market
Shares outstanding
28.29M
Market cap
$805.77M
Enterprise value
$697.35M
Valuations
Price to earnings (P/E)
17.05
Price to book (P/B)
1.48
Price to sales (P/S)
3.68
EV/EBIT
11.36
EV/EBITDA
10.2
EV/Sales
3.2
Earnings
Revenue
$217.71M
EBIT
$61.38M
EBITDA
$68.38M
Free cash flow
$35.88M
Per share
EPS
$1.67
Free cash flow per share
$1.28
Book value per share
$19.26
Revenue per share
$7.75
TBVPS
$248.3
Balance sheet
Total assets
$6.98B
Total liabilities
$6.44B
Debt
$151.47M
Equity
$542.87M
Working capital
N/A
Liquidity
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.59
Margins
EBITDA margin
31.4%
Gross margin
100%
Net margin
21.6%
Operating margin
28.2%
Efficiency
Return on assets
0.7%
Return on equity
8.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
28.2%
Dividend
Dividend yield
3.23%
DPS
$0.92
Payout ratio
55.1%

CPF stock price

How has the Central Pacific Financial stock price performed over time
Intraday
-0.21%
1 week
1.42%
1 month
3.75%
1 year
102.27%
YTD
49.82%
QTD
6.75%

Financial performance

How have Central Pacific Financial's revenue and profit performed over time
Revenue
$217.71M
Gross profit
$217.71M
Operating income
$61.38M
Net income
$46.99M
Gross margin
100%
Net margin
21.6%
CPF's net income is up by 26% since the previous quarter but it is down by 7% year-on-year
The operating income has increased by 25% from the previous quarter but it has decreased by 10% YoY
The net margin rose by 18% since the previous quarter but it has declined by 10% year-on-year
Central Pacific Financial's operating margin has increased by 17% QoQ but it has decreased by 13% YoY

Growth

What is Central Pacific Financial's growth rate over time

Valuation

What is Central Pacific Financial stock price valuation
P/E
17.05
P/B
1.48
P/S
3.68
EV/EBIT
11.36
EV/EBITDA
10.2
EV/Sales
3.2
The P/E is 38% above the last 4 quarters average of 12.4 and 8% above the 5-year quarterly average of 15.8
CPF's EPS is up by 26% since the previous quarter but it is down by 7% year-on-year
The stock's P/B is 48% above its last 4 quarters average of 1.0
CPF's P/S is 42% above its last 4 quarters average of 2.6
The revenue has increased by 7% from the previous quarter and by 3.8% YoY

Efficiency

How efficient is Central Pacific Financial business performance
The ROIC is up by 29% from the previous quarter but it is down by 18% YoY
CPF's return on equity is up by 25% since the previous quarter but it is down by 10% year-on-year
The ROA has grown by 17% from the previous quarter but it has contracted by 13% YoY
CPF's return on sales is up by 17% since the previous quarter but it is down by 13% year-on-year

Dividends

What is CPF's dividend history
DPS
$0.92
Dividend yield
3.23%
Payout ratio
55.1%
Recent dividends

Financial health

How did Central Pacific Financial financials performed over time
The company's total assets is 8% higher than its total liabilities
Central Pacific Financial's total liabilities has increased by 15% YoY and by 6% QoQ
The company's total assets rose by 14% YoY and by 6% QoQ
The debt is 72% smaller than the equity
The debt has dropped by 60% year-on-year and by 13% since the previous quarter
Central Pacific Financial's debt to equity has shrunk by 60% YoY and by 13% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.