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Overview
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Central Pacific Financial stock

CPF
US1547604090
A1H60J

Price

27.09
Today +/-
+0.14
Today %
+0.56 %
P

Central Pacific Financial stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Central Pacific Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Central Pacific Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Central Pacific Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Central Pacific Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Central Pacific Financial Stock Price History

DateCentral Pacific Financial Price
11/1/202427.09 undefined
10/31/202426.94 undefined
10/30/202426.76 undefined
10/29/202429.15 undefined
10/28/202429.18 undefined
10/25/202428.30 undefined
10/24/202428.99 undefined
10/23/202429.04 undefined
10/22/202428.95 undefined
10/21/202428.45 undefined
10/18/202429.46 undefined
10/17/202429.80 undefined
10/16/202429.71 undefined
10/15/202429.68 undefined
10/14/202429.11 undefined
10/11/202429.28 undefined
10/10/202428.35 undefined
10/9/202427.98 undefined
10/8/202427.88 undefined
10/7/202428.14 undefined

Central Pacific Financial Revenue, EBIT, Net Income

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  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Central Pacific Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Central Pacific Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Central Pacific Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Central Pacific Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Central Pacific Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Central Pacific Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Central Pacific Financial’s growth potential.

Central Pacific Financial Revenue, EBIT and net profit per share

DateCentral Pacific Financial RevenueCentral Pacific Financial Net Income
2026e303 M undefined77.89 M undefined
2025e254.14 M undefined69.01 M undefined
2024e211.71 M undefined60.13 M undefined
2023329.32 M undefined58.67 M undefined
2022280.58 M undefined73.93 M undefined
20210 undefined79.9 M undefined
20200 undefined37.3 M undefined
20190 undefined58.3 M undefined
20180 undefined59.5 M undefined
20170 undefined41.2 M undefined
20160 undefined47 M undefined
20150 undefined45.9 M undefined
20140 undefined40.5 M undefined
20130 undefined172.1 M undefined
20120 undefined47.4 M undefined
20110 undefined120.5 M undefined
20100 undefined-259.4 M undefined
20090 undefined-321.7 M undefined
20080 undefined-138.4 M undefined
20070 undefined5.8 M undefined
20060 undefined79.2 M undefined
20050 undefined72.5 M undefined
20040 undefined37.4 M undefined

Central Pacific Financial Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
198319841985198619871988198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
000000000000000000000000000000000000000280329211254303
----------------------------------------17.50-35.8720.3819.29
---------------------------------------94.29----
0000000000000000000000000000000000000002640000
000000000000000000000000000000000000000990931060
--------------------------------------------
122657911121415131314151516192833333772795-138-321-2591204717240454741595837797358606977
-100.00-200.00-16.6740.0028.5722.229.0916.677.14-13.33-7.697.14-6.6718.7547.3717.86-12.1294.599.72-93.67-2,860.00132.61-19.31-146.33-60.83265.96-76.7412.504.44-12.7743.90-1.69-36.21113.51-7.59-20.553.4515.0011.59
--------------------------------------------
--------------------------------------------
0.60.60.70.70.80.80.9111111.11.11.1110.90.80.80.811.51.51.51.41.51.536.342.142.337.932.731.230.629.628.728.228.327.5727.08000
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Details

Keystats

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Revenue and Growth

The Central Pacific Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Central Pacific Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
1984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                                               
00000000000000000000000000000000000000122.650
0000000000000000000000000000000000000000
0000000000000000000000000000000000000000
0000000000000000000000000000000000000000
0000000000000000000000000000000000000021.450
00000000000000000000000000000000000000144.10
4.28.810.29.910.314.715.423.722.923.324.225.525.126.726.824.823.360.657.756.177.172.677.382.881.175.257.451.448.84949.249.248.348.345.398.7111.1119.8126.62125.9
000000000006.26.97.688.58.91.33.22.211.512.41317.415.517.414.912.7119.17.26.26.97.11417.13029.746.6441.55
0000000000000000000000000000000000000000
000000000000.50.50.50.91.211.50.90.55347.643.54039.845.444.64237.532.829.725.220.517.815.614.711.99.79.078.7
00000000000000000000284.7303.4299244.7152.7102.700000000000000
00000000000000000000000000000000000000220.280
4.28.810.29.910.314.715.423.722.923.324.232.232.534.835.734.533.263.461.858.8426.3436432.8384.9289.1240.7116.9106.197.390.986.180.675.773.274.9130.5153159.2402.61176.15
4.28.810.29.910.314.715.423.722.923.324.232.232.534.835.734.533.263.461.858.8426.3436432.8384.9289.1240.7116.9106.197.390.986.180.675.773.274.9130.5153159.2546.71176.15
                                                                               
444.54.556.36.36.56.56.56.56.66.66.66.66.56.26.78.79.6360.6428430.9403.3403.2534.4534.7784.5784.5784.5642.2548.9530.9504470.7447.6442.6426.1408.07405.44
14.515.918.41924.941.341.444.544.645.145.245.345.545.845.845.845.845.845.845.845.846.451.854.75663.163.366.670.675.579.782.884.286.188.991.694.898.1101.35102.98
88.212.915.815.823.131.640.751.262.571.480.489.499.29594.488.294.6119142.6167.8218.3270.6222.663.8-257.9-517.3-396.8-349.4-184.1-157-137.3-108.9-89-51.7-19.1-10.94287.44117.99
00-2-1.5-1-0.50-2-1.5-1-20.2-0.60.10.6-2.73.10-0.1-3.5-6.3-16.6-15.1-6.23.4-9.5-10.2-11.3-12.6-6.713.6-9-6.35.1-6.5-6.4-6.5-4.35.135.33
00000000000000000000000006-4.313.511.7-9.1-10.49.24.7-6.1-9.614.826.7-3.7-149.11-127.92
26.528.133.837.844.770.279.389.7100.8113.1121.1132.5140.9151.7148144143.3147.1173.4194.5567.9676.1738.2674.4526.4336.166.2456.5504.8660.1568.1494.6504.6500.1491.8528.5546.7558.2452.87503.82
00000000000000000000000000000000000000018.95
7.48.211.28.99.510.812.113.912.713.314.91516.218.200000000000000000000052.647.240.735.8930.63
0000000000000000000000000000000000000000
0.90.50.61.215.837.211.13662.796161.73.55.46.227956.713.9293.5113.92626381239.7202.50000000000000
0000000000000000000000000000000000000000
8.38.711.810.125.34823.249.975.4109.3176.618.521.624.427956.713.9293.5113.92626381239.7202.50000000052.647.240.735.8949.58
5.85.25.64.94.30.60.40.200081.1115.8127.7118.398.3221175.6055108.2108.2108.2108.2108.2108.2108.2108.2108.292.892.892.892.892.872.251.5105.4105.6105.86106.1
0000000000000000000000000000000000000000
0000000000000023.419.532.838.127.424.667.47571.958.155.754.366.864.666.54443.941.443.642.549.66077.275.396.9285.71
5.85.25.64.94.30.60.40.200081.1115.8127.7141.7117.8253.8213.727.479.6175.6183.2180.1166.3163.9162.5175172.8174.7136.8136.7134.2136.4135.3121.8111.5182.6180.9202.78191.81
14.113.917.41529.648.623.650.175.4109.3176.699.6137.4152.1143.7196.8310.5227.656.483.1289.5209.2206.1204.3164.9402.2377.5172.8174.7136.8136.7134.2136.4135.3121.8164.1229.8221.6238.67241.39
40.64251.252.874.3118.8102.9139.8176.2222.4297.7232.1278.3303.8291.7340.8453.8374.7229.8277.6857.4885.3944.3878.7691.3738.3443.7629.3679.5796.9704.8628.8641635.4613.6692.6776.5779.8691.54745.2
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Central Pacific Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Central Pacific Financial's financial health and stability.

Assets

Central Pacific Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Central Pacific Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Central Pacific Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Central Pacific Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
657911121415131314151516192833333772795-138-313-251364717240454741595837797358
000111222223322344414121216141413161311121311108121087
1-100-1-1004-1-1004-9-24437-3-21-1721000-112202624327-4-13102511
100-10-3-40497-110-8253-18-12-34-552836291360314-41-41-5-9-20-152136375438
-10000000000-1-1-1-1-10402046124481431720211213811145565-8
000000000000000000000000000196681223331781358
1334769117117102125924132025473810-46-3800001-18024202257
85781210111724242214261336302334114211780274131221233984717476961037276110114105
-60-1-5-1-10-1-2-3-4-2-4-30-1-1-1-2-6-5-11-12-6-6-20-3-6-6-5-5-6-3-7-26-22-18-12
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00000000000000000000000000000000000000
000-30000-12123411-9-20122-45-2837162163-7176-2418-197-301-50-150000-20-2030050
2001703000000-13-11-20-16002663-52-1136-13230-11-142-93-17-26-32-22-4-17-20-2
705210314298831053364-2517774276131-12170115427489168189-90-236-674130187229482342041971275752177653125
6754105130101831093781-33-12707111335552058627728119995172-379-475108237263204354240245205126548821102106
0-1-1-1-2-3-4-4-4-4-5-5-5-5-5-5-6-9-14-21-26-29-20-2000-6-13-26-18-21-24-25-25-27-28-28
17-373047-5782-8-1-115-4-840-31-1219-30921-29-5325380302-533-79-12836-54-22001224-216410
1.74.76.53.310.2-0.19.915.421.119.920.19.823.512.434.829.122.231.54.437.3106.467.3267.7125219.422.435.778.265.468.770.690.3100.36550.888.395.6892.46
00000000000000000000000000000000000000

Central Pacific Financial stock margins

The Central Pacific Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Central Pacific Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Central Pacific Financial.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Central Pacific Financial's sales revenue. A higher gross margin percentage indicates that the Central Pacific Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Central Pacific Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Central Pacific Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Central Pacific Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Central Pacific Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Central Pacific Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Central Pacific Financial Margin History

DateCentral Pacific Financial Profit margin
2026e25.71 %
2025e27.15 %
2024e28.4 %
202317.82 %
202226.35 %
20210 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %

Central Pacific Financial Stock Sales Revenue, EBIT, Earnings per Share

The Central Pacific Financial earnings per share therefore indicates how much revenue Central Pacific Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

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  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Central Pacific Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Central Pacific Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Central Pacific Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Central Pacific Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Central Pacific Financial Revenue, EBIT and net profit per share

DateCentral Pacific Financial Sales per ShareCentral Pacific Financial Earnings per Share
2026e11.2 undefined2.88 undefined
2025e9.39 undefined2.55 undefined
2024e7.82 undefined2.22 undefined
202312.16 undefined2.17 undefined
202210.18 undefined2.68 undefined
20210 undefined2.82 undefined
20200 undefined1.32 undefined
20190 undefined2.03 undefined
20180 undefined2.01 undefined
20170 undefined1.35 undefined
20160 undefined1.51 undefined
20150 undefined1.4 undefined
20140 undefined1.07 undefined
20130 undefined4.07 undefined
20120 undefined1.13 undefined
20110 undefined3.32 undefined
20100 undefined-172.93 undefined
20090 undefined-214.47 undefined
20080 undefined-98.86 undefined
20070 undefined3.87 undefined
20060 undefined52.8 undefined
20050 undefined48.33 undefined
20040 undefined37.4 undefined

Central Pacific Financial business model

Central Pacific Financial Corp (CPF) is a financial services company based in Honolulu, Hawaii. The company was founded in 1954 and has since become a significant player in the Hawaiian market. CPF offers a wide range of banking services and financial products, including retail and business banking, mortgage and securities services, and asset management. CPF's business model is focused on local communities and people. It works hard to strengthen its customer relationships and provide good customer service. CPF supports local businesses and nonprofit organizations that drive community development. CPF operates both retail and business banks. The retail bank offers a wide range of financial products and services, including various types of accounts (savings, checking, money market accounts, CDs), credit cards, loans, and financial advice. CPF's business bank provides customized financial solutions tailored to the needs of businesses, including credit lines, loans, transfers, capital raising, and cash management. CPF's mortgage and securities department offers credit products, mortgage loans, and brokerage services. CPF's mortgage department offers various types of mortgage products such as FHA, VA, conventional, and jumbo loans. CPF's securities department offers brokerage and investment services, including portfolio management, asset management, and private banking. CPF also operates in the field of asset management. CPF's asset management department offers professional asset management services tailored to the individual needs and goals of clients. In addition, CPF also offers trust and estate dispute management. CPF operates 35 branches on the Hawaiian islands and has more than 1000 employees. These employees are the backbone of CPF and make a significant contribution to the company's success. CPF is not only committed to providing excellent services to its customers but also to being an attractive employer. CPF strives to provide its employees with a good working environment and support them in their professional development. CPF has become a leading financial services company in Hawaii. Through its various divisions and products, the company offers a wide range of services tailored to the needs of its customers. With a strong focus on local development and support for local communities, CPF has the potential to remain a significant player in the Hawaiian market in the future. Central Pacific Financial is one of the most popular companies on Eulerpool.com.

Central Pacific Financial Revenue by Segment

  • 3 years

  • Max

Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Central Pacific Financial Revenue by Segment

Segmente20232019
Other service charges and fees20.53 M USD12.44 M USD
Service charges on deposit accounts8.75 M USD8.41 M USD
Other9.89 M USD-
Income on fiduciary activities4.9 M USD-
Fiduciary and Trust-4.4 M USD
Income from fiduciary activities-4.4 M USD
Bank Servicing-4.25 M USD
Mortgage banking income2.59 M USD-
Loan placement fees-702,000 USD
Fees on foreign exchange-101,000 USD
Net gain (loss) sale of foreclosed assets--145,000 USD

Central Pacific Financial SWOT Analysis

Strengths

Central Pacific Financial Corp has several strengths that contribute to its competitive advantage in the market. These include:

  • Strong Financial Position: The company has a solid financial foundation, with a healthy balance sheet and strong capital reserves.
  • Diversified Business Portfolio: Central Pacific Financial Corp operates a diverse range of financial services, including banking, lending, and wealth management. This diversity helps mitigate risk and expands its customer base.
  • Strong Brand Reputation: The company has built a strong brand image and enjoys a good reputation in the market for providing reliable and trusted financial solutions.
  • Experienced Management Team: Central Pacific Financial Corp is led by a team of experienced professionals who have a deep understanding of the industry and a track record of successful leadership.
  • Robust Technology Infrastructure: The company has made significant investments in its technology infrastructure, enabling it to provide innovative and efficient digital solutions to its customers.

Weaknesses

Central Pacific Financial Corp also faces certain weaknesses that may pose challenges to its growth and success. These include:

  • Relatively Small Market Share: Compared to some of its competitors, Central Pacific Financial Corp has a smaller market share, which limits its ability to exert influence and capture customers.
  • Vulnerability to Economic Cycles: The company's financial performance is closely tied to the overall economic conditions. During economic downturns, Central Pacific Financial Corp may experience reduced demand for its services and higher default rates.
  • Regulatory Compliance Burden: As a financial institution, Central Pacific Financial Corp is subject to stringent regulatory requirements. Compliance costs and the risk of regulatory penalties can impact the company's profitability.

Opportunities

Central Pacific Financial Corp has several opportunities that it can leverage to drive growth and enhance its market position. These include:

  • Growing Demand for Digital Banking: The trend towards digitalization presents an opportunity for Central Pacific Financial Corp to expand its digital banking services and reach new customers who prefer convenient and online banking solutions.
  • Market Expansion: The company can explore opportunities to expand its presence in new markets and regions, both domestically and internationally. This can help diversify its revenue streams and increase market share.
  • Collaborations and Partnerships: Central Pacific Financial Corp can form strategic collaborations and partnerships with fintech companies or other financial institutions to leverage their expertise and access new customer segments.

Threats

Central Pacific Financial Corp faces certain threats that could potentially hinder its growth and profitability. These include:

  • Intense Competitive Landscape: The financial services industry is highly competitive, with numerous established players and new entrants. Central Pacific Financial Corp needs to continuously innovate and differentiate itself to stay ahead of the competition.
  • Economic Uncertainty: Unexpected economic downturns or fluctuations can negatively impact the demand for financial services and lead to higher default rates, affecting Central Pacific Financial Corp's profitability.
  • Cybersecurity Risks: As a provider of digital banking services, Central Pacific Financial Corp is exposed to cybersecurity threats. Data breaches or cyber-attacks can result in reputational damage and financial losses.
  • Changing Regulatory Environment: The financial industry is subject to evolving regulations and compliance requirements, which can increase operational costs and pose challenges for Central Pacific Financial Corp's business operations.

Central Pacific Financial Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Central Pacific Financial historical P/E ratio, EBIT multiple, and P/S ratio

Central Pacific Financial shares outstanding

The number of shares was Central Pacific Financial in 2023 — This indicates how many shares 27.081 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Central Pacific Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Central Pacific Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Central Pacific Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Central Pacific Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Central Pacific Financial stock splits

In Central Pacific Financial's history, there have been no stock splits.

Central Pacific Financial dividend history and estimates

In 2023, Central Pacific Financial paid a dividend amounting to 1.04 USD. Dividend means that Central Pacific Financial distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Central Pacific Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Central Pacific Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Central Pacific Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Central Pacific Financial Dividend History

DateCentral Pacific Financial Dividend
2026e1.14 undefined
2025e1.14 undefined
2024e1.14 undefined
20231.04 undefined
20221.04 undefined
20210.96 undefined
20200.92 undefined
20190.9 undefined
20180.82 undefined
20170.7 undefined
20160.6 undefined
20150.68 undefined
20140.36 undefined
20130.16 undefined
200814 undefined
200719.6 undefined
200617.6 undefined
200514.6 undefined
200412.8 undefined

Central Pacific Financial dividend payout ratio

In 2023, Central Pacific Financial had a payout ratio of 47.47%. The payout ratio indicates the percentage of the company's profits that Central Pacific Financial distributes as dividends.

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Payout ratio
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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Central Pacific Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Central Pacific Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Central Pacific Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Central Pacific Financial Payout Ratio History

DateCentral Pacific Financial Payout ratio
2026e43.21 %
2025e42.1 %
2024e40.06 %
202347.47 %
202238.78 %
202133.92 %
202069.7 %
201944.33 %
201840.8 %
201752.24 %
201640 %
201548.57 %
201433.64 %
20133.93 %
201247.47 %
201147.47 %
201047.47 %
200947.47 %
2008-14.16 %
2007507.77 %
200633.33 %
200530.21 %
200434.22 %

The World’s Best Investors Are On Eulerpool

Unfortunately, there are currently no price targets and forecasts available for Central Pacific Financial.

Central Pacific Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.57 0.58  (2.55 %)2024 Q3
6/30/20240.48 0.58  (20.91 %)2024 Q2
3/31/20240.45 0.48  (5.61 %)2024 Q1
12/31/20230.48 0.55  (13.45 %)2023 Q4
9/30/20230.53 0.49  (-6.7 %)2023 Q3
6/30/20230.54 0.53  (-1.92 %)2023 Q2
3/31/20230.56 0.6  (8.01 %)2023 Q1
12/31/20220.6 0.74  (22.8 %)2022 Q4
9/30/20220.61 0.61  (0.66 %)2022 Q3
6/30/20220.55 0.54  (-1.6 %)2022 Q2
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Eulerpool ESG Scorecard© for the Central Pacific Financial stock

Eulerpool World ESG Rating (EESG©)

49/ 100

🌱 Environment

17

👫 Social

92

🏛️ Governance

36

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees66
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Central Pacific Financial shareholders

%
Name
Stocks
Change
Date
13.63477 % BlackRock Institutional Trust Company, N.A.3,689,568-18,9556/30/2024
7.83283 % The Vanguard Group, Inc.2,119,56334,2396/30/2024
5.18863 % Dimensional Fund Advisors, L.P.1,404,04377,8686/30/2024
4.64475 % State Street Global Advisors (US)1,256,868-19,3526/30/2024
3.75738 % Charles Schwab Investment Management, Inc.1,016,747-42,4006/30/2024
2.45096 % LSV Asset Management663,23063,8626/30/2024
2.27525 % Geode Capital Management, L.L.C.615,68327,6436/30/2024
2.26334 % Columbia Threadneedle Investments (US)612,45924,4406/30/2024
2.15354 % Philadelphia Financial Management of San Francisco, LLC582,747582,7476/30/2024
2.03400 % Renaissance Technologies LLC550,40019,2476/30/2024
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Central Pacific Financial Executives and Management Board

Mr. Paul Yonamine(65)
Central Pacific Financial Chairman Emeritus (since 2017)
Compensation 2.78 M
Ms. Agnes Ngo(62)
Central Pacific Financial Chairman of the Board (since 2010)
Compensation 1.65 M
Mr. Arnold Martines(58)
Central Pacific Financial President, Chief Executive Officer, Director (since 2014)
Compensation 1.44 M
Mr. David Morimoto(55)
Central Pacific Financial Chief Financial Officer, Senior Executive Vice President of the Company and Bank
Compensation 1.24 M
Ms. Crystal Rose(65)
Central Pacific Financial Lead Independent Director (since 2005)
Compensation 155,000
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Central Pacific Financial Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
BlackRock Stock
BlackRock
SupplierCustomer0,380,860,920,670,130,77
1

Most common questions regarding Central Pacific Financial

What values and corporate philosophy does Central Pacific Financial represent?

Central Pacific Financial Corp (CPF) represents a strong set of values and a distinctive corporate philosophy. CPF is committed to putting clients first and fostering strong relationships built on trust, integrity, and transparency. The company strives to provide exceptional financial solutions and services tailored to meet the unique needs of its customers. CPF's corporate philosophy emphasizes accountability, teamwork, and continuous innovation to drive positive change in the banking industry. With a customer-centric approach and a focus on long-term growth, CPF demonstrates a commitment to excellence and delivering value to its stakeholders.

In which countries and regions is Central Pacific Financial primarily present?

Central Pacific Financial Corp is primarily present in the United States, with its headquarters located in Honolulu, Hawaii. As a leading financial institution, Central Pacific Financial Corp serves the communities of Hawaii through its various branches and services. With a focus on delivering personalized and innovative banking solutions, the company has established a strong presence in the Hawaiian market. Central Pacific Financial Corp's commitment to local communities and its extensive network within the state allows it to effectively cater to the financial needs of individuals, businesses, and organizations throughout Hawaii.

What significant milestones has the company Central Pacific Financial achieved?

Central Pacific Financial Corp has achieved several significant milestones. The company successfully completed its merger with Central Pacific Financial Corp in 2014, allowing for increased operational efficiencies and expanding its market reach. Furthermore, Central Pacific Financial Corp received various accolades, including being named one of the Best Banks to Work For by American Banker and winning the Corporate Philanthropy award from Pacific Business News. Additionally, the company has consistently delivered strong financial performance, demonstrating its commitment to providing value to shareholders. Overall, Central Pacific Financial Corp's continuous achievements solidify its position as a leading financial institution in the market.

What is the history and background of the company Central Pacific Financial?

Central Pacific Financial Corp is a leading financial institution with a rich history and impressive background. Established in 1954, the company has grown to become a trusted name in the banking industry. Central Pacific Financial Corp offers a comprehensive range of financial services, including banking, lending, and wealth management solutions. With a focus on providing exceptional customer service and innovative financial products, Central Pacific Financial Corp has positioned itself as a reliable partner for individuals and businesses alike. Over the years, the company has consistently demonstrated its commitment to serving the community and driving economic growth. With its strong reputation and a track record of success, Central Pacific Financial Corp remains a top choice for all your financial needs.

Who are the main competitors of Central Pacific Financial in the market?

The main competitors of Central Pacific Financial Corp in the market include Bank of Hawaii Corporation, First Hawaiian, Inc., and American Savings Bank, FSB.

In which industries is Central Pacific Financial primarily active?

Central Pacific Financial Corp is primarily active in the banking and financial services industry.

What is the business model of Central Pacific Financial?

The business model of Central Pacific Financial Corp is centered around providing banking and financial services to individuals and businesses in Hawaii. As a financial holding company, Central Pacific Financial Corp operates through its wholly-owned subsidiary, Central Pacific Bank. The bank offers a wide range of banking services, including personal and business banking, lending, wealth management, and online banking solutions. By serving as a trusted financial partner, Central Pacific Financial Corp aims to support the growth and success of its customers while maintaining a strong presence in the local community.

What is the P/E ratio of Central Pacific Financial 2024?

The Central Pacific Financial P/E ratio is 12.2.

What is the P/S ratio of Central Pacific Financial 2024?

The Central Pacific Financial P/S ratio is 3.47.

What is the Quality Investing of Central Pacific Financial?

The Quality Investing for Central Pacific Financial is 3/10.

What is the revenue of Central Pacific Financial 2024?

The expected Central Pacific Financial revenue is 211.71 M USD.

How high is the profit of Central Pacific Financial 2024?

The expected Central Pacific Financial profit is 60.13 M USD.

What is the business model of Central Pacific Financial

Central Pacific Financial Corp. is a bank holding company primarily operating in Hawaii. The company offers a wide range of financial services, including deposit and credit products, ship financing, asset management, real estate financing, investment funds, and insurance. Central Pacific Bank is the company's banking division, providing deposit products, loans, credit cards, and online banking. The company also has a specialized department for real estate financing, focused on financing real estate projects in Hawaii. Additionally, the bank offers ship financing, particularly for deep-sea cable laying ships and hydrogen tankers. In addition to the banking division, Central Pacific Financial Corp. operates a subsidiary called CPB Investments, which offers asset management services including investment advice, estate planning, and hedge fund investments. The company also has an insurance subsidiary called Central Pacific Insurance Agency, offering insurance policies for automobiles, boats, homes, personal property, life, and health. Furthermore, the company provides third-party protection products, including liability, workers' compensation, and professional liability insurance. Central Pacific Financial Corp. is also involved in the investment fund business through its subsidiary CPF Capital Management, offering various investment funds including equity funds, bond funds, and real estate funds. The company's business model is based on diversifying its business segments. By combining banking services, asset management, insurance, and investment funds, the company is able to offer a broad range of financial products and services to meet the needs of customers in Hawaii and beyond. The bank of Central Pacific Financial Corp. originated in 1954 in Hawaii as City Bank of Honolulu. In 2004, it was acquired by Central Pacific Financial Corp. and renamed Central Pacific Bank. Since then, the company has continuously expanded its business and today is a major financial institution in Hawaii. The company also has a strong community presence through its commitment to charitable causes and support of local businesses and organizations. It also has its own foundation, the Central Pacific Bank Foundation, focused on supporting children and education in Hawaii. Overall, the business model of Central Pacific Financial Corp. focuses on diversification and providing financial products and services to meet the needs of customers in Hawaii and beyond. Through its banking, asset management, insurance, and investment fund operations, the company is able to offer a wide range of financial solutions to help its customers achieve their financial goals.

What is the Central Pacific Financial dividend?

Central Pacific Financial pays a dividend of 1.04 USD distributed over payouts per year.

How often does Central Pacific Financial pay dividends?

The dividend cannot currently be calculated for Central Pacific Financial or the company does not pay out a dividend.

What is the Central Pacific Financial ISIN?

The ISIN of Central Pacific Financial is US1547604090.

What is the Central Pacific Financial WKN?

The WKN of Central Pacific Financial is A1H60J.

What is the Central Pacific Financial ticker?

The ticker of Central Pacific Financial is CPF.

How much dividend does Central Pacific Financial pay?

Over the past 12 months, Central Pacific Financial paid a dividend of 1.04 USD . This corresponds to a dividend yield of about 3.84 %. For the coming 12 months, Central Pacific Financial is expected to pay a dividend of 1.14 USD.

What is the dividend yield of Central Pacific Financial?

The current dividend yield of Central Pacific Financial is 3.84 %.

When does Central Pacific Financial pay dividends?

Central Pacific Financial pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of Central Pacific Financial?

Central Pacific Financial paid dividends every year for the past 14 years.

What is the dividend of Central Pacific Financial?

For the upcoming 12 months, dividends amounting to 1.14 USD are expected. This corresponds to a dividend yield of 4.2 %.

In which sector is Central Pacific Financial located?

Central Pacific Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Central Pacific Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Central Pacific Financial from 9/16/2024 amounting to 0.26 USD, you needed to have the stock in your portfolio before the ex-date on 8/30/2024.

When did Central Pacific Financial pay the last dividend?

The last dividend was paid out on 9/16/2024.

What was the dividend of Central Pacific Financial in the year 2023?

In the year 2023, Central Pacific Financial distributed 1.04 USD as dividends.

In which currency does Central Pacific Financial pay out the dividend?

The dividends of Central Pacific Financial are distributed in USD.

All fundamentals about Central Pacific Financial

Our stock analysis for Central Pacific Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Central Pacific Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.