Central Pacific Financials

CPF Stock  USD 32.17  0.80  2.55%   
Based on the measurements of operating efficiency obtained from Central Pacific's historical financial statements, Central Pacific Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Central Pacific's Property Plant And Equipment Net is most likely to increase significantly in the upcoming years. The Central Pacific's current Retained Earnings is estimated to increase to about 123.9 M, while Total Assets are projected to decrease to roughly 4.2 B. Key indicators impacting Central Pacific's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.2435
Way Down
Pretty Stable
Return On Assets0.00650.0077
Fairly Down
Slightly volatile
Return On Equity0.120.1164
Fairly Up
Very volatile
Debt Equity Ratio0.290.3098
Notably Down
Slightly volatile
Operating Income70.7 M102.2 M
Way Down
Slightly volatile
Current Ratio138145
Notably Down
Slightly volatile
Investors should never underestimate Central Pacific's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Central Pacific's cash flow, debt, and profitability to make informed and accurate decisions about investing in Central Pacific Financial.

Net Income

61.6 Million

  
Understanding current and past Central Pacific Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Central Pacific's financial statements are interrelated, with each one affecting the others. For example, an increase in Central Pacific's assets may result in an increase in income on the income statement.

Central Pacific Stock Summary

Central Pacific competes with Bank of Hawaii, Territorial Bancorp, First Bancorp, Hancock Whitney, and William Penn. 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. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii. Central Pacific operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 760 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1547604090
CUSIP154760409 154760102 125903104
LocationHawaii; U.S.A
Business Address220 South King
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cpb.bank
Phone808 544 0500
CurrencyUSD - US Dollar

Central Pacific Key Financial Ratios

Central Pacific Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets6.0B6.6B7.4B7.4B7.6B4.2B
Net Debt201.2M70.5M(182.6M)34.7M(335.7M)(318.9M)
Retained Earnings(19.1M)(10.9M)34.8M87.4M118.0M123.9M
Cash103.0M104.1M328.9M112.0M522.4M548.6M
Other Assets3.5B4.0B3.7B5.1B5.4B4.0B
Net Receivables16.5M20.2M16.7M20.3M21.5M16.2M
Total Liab5.5B6.0B146.3M7.0B7.1B3.6B
Total Current Assets1.2B1.3B2.0B804.2M784.9M745.7M
Short Term Debt150M22M4.4M5M3.1M3.0M
Other Current Liab(150M)(22M)3.7B(10M)(15.8M)(15.0M)
Common Stock447.6M442.6M433.3M408.1M405.4M442.7M
Other Liab55.6M77.2M75.3M87.6M100.7M59.9M
Accounts Payable5.1B5.8B6.6B4.7M18.9M18.0M
Long Term Debt101.5M105.4M105.6M105.9M156.1M197.2M
Inventory(119.6M)(124.3M)(345.6M)(132.4M)(784.9M)(745.7M)
Other Current Assets119.6M124.3M345.6M132.4M543.9M516.8M
Intangible Assets14.7M11.9M9.7M9.1M8.7M8.3M
Net Tangible Assets528.5M546.7M558.2M452.9M520.8M560.1M
Long Term Debt Total101.5M105.4M105.6M105.9M95.3M84.7M
Capital Surpluse91.6M94.8M98.1M101.3M116.5M93.5M

Central Pacific Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense32.3M14.7M7.7M17.1M72.7M76.3M
Operating Income77.9M49.0M105.7M115.9M102.2M70.7M
Ebit77.9M39.0M36.1M41.1M39.7M59.1M
Ebitda86.5M45.2M43.1M47.9M46.7M65.5M
Net Income58.3M37.3M79.9M73.9M58.7M61.6M
Income Tax Expense19.6M11.8M25.8M24.8M18.2M19.1M
Total Revenue221.8M238.5M254.1M263.5M241.0M170.2M
Gross Profit221.8M238.5M254.1M263.5M241.0M170.3M
Income Before Tax77.9M49.0M105.7M98.8M76.8M80.7M
Tax Provision19.6M11.8M25.8M24.8M18.2M18.2M
Net Interest Income183.0M197.1M211.0M215.2M209.5M203.3M
Interest Income215.4M211.9M218.4M232.3M282.2M227.8M

Central Pacific Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash786K1.1M224.8M(216.9M)410.4M430.9M
Free Cash Flow65.0M50.8M88.3M95.7M92.5M61.9M
Depreciation8.6M12.4M10.5M8.2M7.6M9.6M
Other Non Cash Items7.7M36.9M3.7M(8.8M)10.2M9.7M
Dividends Paid25.7M25.9M27.0M28.5M28.1M29.5M
Capital Expenditures7.2M26.0M22.2M18.4M12.7M7.0M
Net Income58.3M37.3M79.9M73.9M58.7M61.6M
End Period Cash Flow103.0M104.1M328.9M112.0M522.4M548.6M
Investments(126.0M)(571.8M)(636.6M)(364.3M)(33.2M)(34.9M)
Net Borrowings(67.6M)(124.2M)(22M)5M5.8M6.0M
Change To Netincome(6.7M)(22.8M)22.6M31.8M36.6M38.5M

Central Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Central Pacific's current stock value. Our valuation model uses many indicators to compare Central Pacific value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Central Pacific competition to find correlations between indicators driving Central Pacific's intrinsic value. More Info.
Central Pacific Financial is rated third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Central Pacific Financial is roughly  14.80 . At this time, Central Pacific's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Central Pacific by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Central Pacific Financial Systematic Risk

Central Pacific's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Central Pacific volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Central Pacific Financial correlated with the market. If Beta is less than 0 Central Pacific generally moves in the opposite direction as compared to the market. If Central Pacific Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Central Pacific Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Central Pacific is generally in the same direction as the market. If Beta > 1 Central Pacific moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Central Pacific Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Central Pacific's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Central Pacific growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.44)

At this time, Central Pacific's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

Central Pacific November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Central Pacific help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Central Pacific Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Central Pacific Financial based on widely used predictive technical indicators. In general, we focus on analyzing Central Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Central Pacific's daily price indicators and compare them against related drivers.

Complementary Tools for Central Stock analysis

When running Central Pacific's price analysis, check to measure Central Pacific's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Central Pacific is operating at the current time. Most of Central Pacific's value examination focuses on studying past and present price action to predict the probability of Central Pacific's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Central Pacific's price. Additionally, you may evaluate how the addition of Central Pacific to your portfolios can decrease your overall portfolio volatility.
Theme Ratings
Determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance
Money Managers
Screen money managers from public funds and ETFs managed around the world
Transaction History
View history of all your transactions and understand their impact on performance
Portfolio Backtesting
Avoid under-diversification and over-optimization by backtesting your portfolios
Bollinger Bands
Use Bollinger Bands indicator to analyze target price for a given investing horizon
Money Flow Index
Determine momentum by analyzing Money Flow Index and other technical indicators
Stock Screener
Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook.
Portfolio Optimization
Compute new portfolio that will generate highest expected return given your specified tolerance for risk
FinTech Suite
Use AI to screen and filter profitable investment opportunities