Central Pacific Financial Corp. (CPF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 243 | 252 | 260 | 247 | 246 | 289 | 248 | - |
| Operating profit | $m | 101 | 80 | ||||||
| Net profit | $m | 37 | 80 | 74 | 59 | 53 | 77 | 83 | 88 |
| EPS reported | $ | 2.87 | 3.12 | ||||||
| Operating cashflow per share | $ | 3.63 | 4.00 | ||||||
| Capex per share | $ | 0.19 | 0.20 | ||||||
| FCF per share | $ | 3.44 | 3.80 | ||||||
| Free cash flow | $m | 92 | 99 | ||||||
| Net debt | $m | -834 | -1,687 | ||||||
| Book value equity | $m | 593 | 596 | ||||||
| Book value per share | $ | 22.09 | 22.71 | ||||||
| Number of shares | m | 26.83 | 26.26 | ||||||
| DPS (TTM paid) | $ | 1.09 | 1.16 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.86 | 11.65 | ||||||
| P/B LTM | x | 1.41 | 1.40 | ||||||
| P/S LTM | x | 2.89 | 3.37 | ||||||
| P/FCF LTM | x | 9.06 | 8.47 | ||||||
| EV/EBITDA LTM | x | 5.15 | 6.63 | ||||||
| EV/Sales LTM | x | 1.54 | 2.27 | ||||||
| Earnings Yield LTM | % | +9.21% | +8.58% | ||||||
| FCF Yield | % | +11.04% | +11.81% | ||||||
| Quality | |||||||||
| ROE | % | +13.08% | +14.00% | ||||||
| ROIC | % | +10.02% | +7.73% | ||||||
| Operating margin | % | +27.79% | +25.55% | ||||||
| Gross margin | % | +76.12% | +75.98% | ||||||
| FCF/Sales | % | +25.48% | +31.35% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +45.69% | +58.38% | ||||||
| Sales Growth YoY | % | +17.44% | +0.69% | ||||||
| Net Income Growth YoY | % | +45.06% | +55.39% | ||||||
| FCF Growth | % | +22.37% | +30.88% | ||||||
| Operating Profit Growth | % | +47.97% | +18.23% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.51% | +3.04% | ||||||
| Dividend Growth | % | +4.81% | +11.54% | ||||||
| Payout Ratio | % | +38.13% | +35.93% | ||||||
| FCF/Debt | x | 0.90 | 0.98 | ||||||
| Net Debt/EBITDA | x | -2.55 | -3.35 | ||||||
| EBIT/Net interest | x | 1.37 | 1.20 | ||||||
| Net debt/market cap | % | +9.16% | +10.09% | ||||||
| Net debt/Equity | x | -1.41 | -2.83 | ||||||
| Gross debt/equity | x | 0.17 | 0.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Central Pacific Financial Corp. (CPF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Central Pacific Financial Corporation functions as the parent company of Central Pacific Bank, delivering a comprehensive suite of commercial banking services and financial solutions. This institution caters to businesses, professionals, and individual clients across the United States. Its diverse range of deposit offerings includes personal and commercial checking and savings accounts, money market accounts, and certificates of deposit (CDs). The bank is also a significant lender, providing commercial, financial, and agricultural loans, alongside both commercial and residential mortgages and construction financing. These lending solutions are tailored for small to mid-sized enterprises, business professionals, and real estate developers and investors. Furthermore, it extends home equity and various consumer loans to local residents and individuals seeking to purchase homes. Beyond core banking, it offers a wide array of supplementary services, such as debit cards, online and mobile banking platforms, cash management solutions, extensive ATM access, and other digital banking tools. Clients can also utilize traveler's checks, safe deposit boxes, international banking support, night depositories, foreign exchange, and wire transfer services, as well as trust and retail brokerage offerings. A dedicated wealth management division provides non-deposit investment products, annuities, insurance, and professional investment management, alongside asset custody and general financial consultation and planning assistance. As of December 31, 2021, its operational footprint included 30 branch locations and 69 automated teller machines exclusively throughout Hawaii. Established in 1954, the corporation maintains its headquarters in Honolulu, Hawaii.
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