CPF Stock Overview
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States.
Central Pacific Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$21.62|
|52 Week High||US$30.97|
|52 Week Low||US$20.61|
|1 Month Change||-8.16%|
|3 Month Change||-1.50%|
|1 Year Change||-14.17%|
|3 Year Change||-25.19%|
|5 Year Change||-32.82%|
|Change since IPO||-82.35%|
Recent News & Updates
Central Pacific Financial goes ex-dividend tomorrow
Central Pacific Financial (NYSE:CPF) had declared $0.26/share quarterly dividend, in line with previous. Payable Sept. 15; for shareholders of record Aug. 31; ex-div Aug. 30. See CPF Dividend Scorecard, Yield Chart, & Dividend Growth.
|CPF||US Banks||US Market|
Return vs Industry: CPF exceeded the US Banks industry which returned -21.7% over the past year.
Return vs Market: CPF exceeded the US Market which returned -23.1% over the past year.
|CPF Average Weekly Movement||3.5%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: CPF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CPF's weekly volatility (3%) has been stable over the past year.
About the Company
|1954||790||Paul K. Yonamine||https://www.cpb.bank|
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company’s lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals.
Central Pacific Financial Fundamentals Summary
|CPF fundamental statistics|
Is CPF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CPF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||2.93|
|Net Profit Margin||29.25%|
How did CPF perform over the long term?See historical performance and comparison
4.8%Current Dividend Yield
Is CPF undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CPF?
Other financial metrics that can be useful for relative valuation.
|What is CPF's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CPF's PE Ratio compare to its peers?
|CPF PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
PGC Peapack-Gladstone Financial
OSBC Old Second Bancorp
THFF First Financial
CPF Central Pacific Financial
Price-To-Earnings vs Peers: CPF is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (14.1x).
Price to Earnings Ratio vs Industry
How does CPF's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: CPF is good value based on its Price-To-Earnings Ratio (7.4x) compared to the US Banks industry average (9.7x)
Price to Earnings Ratio vs Fair Ratio
What is CPF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||7.4x|
|Fair PE Ratio||9.6x|
Price-To-Earnings vs Fair Ratio: CPF is good value based on its Price-To-Earnings Ratio (7.4x) compared to the estimated Fair Price-To-Earnings Ratio (9.6x).
Share Price vs Fair Value
What is the Fair Price of CPF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CPF ($21.62) is trading below our estimate of fair value ($46.35)
Significantly Below Fair Value: CPF is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Central Pacific Financial forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CPF's earnings are forecast to decline over the next 3 years (-7.2% per year).
Earnings vs Market: CPF's earnings are forecast to decline over the next 3 years (-7.2% per year).
High Growth Earnings: CPF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CPF's revenue (3.7% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: CPF's revenue (3.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CPF's Return on Equity is forecast to be high in 3 years time
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How has Central Pacific Financial performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CPF has high quality earnings.
Growing Profit Margin: CPF's current net profit margins (29.3%) are higher than last year (23.9%).
Past Earnings Growth Analysis
Earnings Trend: CPF's earnings have grown by 9.2% per year over the past 5 years.
Accelerating Growth: CPF's earnings growth over the past year (43.7%) exceeds its 5-year average (9.2% per year).
Earnings vs Industry: CPF earnings growth over the past year (43.7%) exceeded the Banks industry 8.7%.
Return on Equity
High ROE: CPF's Return on Equity (17.6%) is considered low.
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How is Central Pacific Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CPF's Assets to Equity ratio (16x) is moderate.
Allowance for Bad Loans: CPF has a sufficient allowance for bad loans (1309%).
Low Risk Liabilities: 97% of CPF's liabilities are made up of primarily low risk sources of funding.
Loan Level: CPF has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: CPF's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: CPF has an appropriate level of bad loans (0.1%).
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What is Central Pacific Financial current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CPF's dividend (4.81%) is higher than the bottom 25% of dividend payers in the US market (1.65%).
High Dividend: CPF's dividend (4.81%) is in the top 25% of dividend payers in the US market (4.57%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CPF has been paying a dividend for less than 10 years.
Growing Dividend: CPF's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (34.9%), CPF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Paul K. Yonamine (65 yo)
Mr. Paul K. Yonamine, C.P.A., serves as Chairman and Chief Executive Officer of Central Pacific Financial Corp. since October 1, 2018. He serves as an Independent Outside Director at Seven & i Holdings Co....
CEO Compensation Analysis
Compensation vs Market: Paul K.'s total compensation ($USD3.49M) is about average for companies of similar size in the US market ($USD2.89M).
Compensation vs Earnings: Paul K.'s compensation has increased by more than 20% in the past year.
Experienced Management: CPF's management team is seasoned and experienced (7.2 years average tenure).
Experienced Board: CPF's board of directors are seasoned and experienced ( 10.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|28 Feb 22||SellUS$602,732||Anli Ngo||Individual||20,687||US$29.24|
|02 Nov 21||SellUS$1,481||Paul Kosasa||Individual||53||US$27.94|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Central Pacific Financial Corp.'s employee growth, exchange listings and data sources
- Name: Central Pacific Financial Corp.
- Ticker: CPF
- Exchange: NYSE
- Founded: 1954
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$592.011m
- Shares outstanding: 27.38m
- Website: https://www.cpb.bank
Number of Employees
- Central Pacific Financial Corp.
- 220 South King Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CPF||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jul 1984|
|XCP1||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jul 1984|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/24 00:00|
|End of Day Share Price||2022/09/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.