Central Pacific Financials

CPF Stock  USD 28.52  0.34  1.21%   
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 Short and Long Term Debt Total is most likely to increase significantly in the upcoming years. The Central Pacific's current Total Current Liabilities is estimated to increase to about 3.9 B, while Net Debt is forecasted to increase to (366.8 M). Key indicators impacting Central Pacific's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.28
Way Down
Pretty Stable
Return On Assets0.00650.0088
Way Down
Slightly volatile
Return On Equity0.140.13
Significantly Up
Very volatile
Debt Equity Ratio0.320.33
Sufficiently Down
Slightly volatile
Operating Income70.7 M117.5 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

70.84 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

202020212022202320242025 (projected)
Total Assets6.6B7.4B7.4B7.6B8.8B9.2B
Net Debt70.5M(182.6M)34.7M(335.7M)(386.1M)(366.8M)
Retained Earnings(10.9M)34.8M87.4M118.0M106.2M111.5M
Cash104.1M328.9M112.0M522.4M600.8M630.8M
Other Assets4.0B3.7B5.1B5.4B6.2B4.0B
Net Receivables20.2M16.7M20.3M21.5M24.7M16.2M
Total Liab6.0B146.3M7.0B7.1B8.2B8.6B
Total Current Assets1.3B2.0B804.2M784.9M902.6M857.5M
Short Term Debt22M4.4M5M3.1M3.6M3.4M
Other Current Liab(22M)3.7B(10M)(15.8M)(18.2M)(17.3M)
Common Stock442.6M433.3M408.1M405.4M466.3M442.7M
Other Liab55.6M77.2M75.3M87.6M100.7M59.9M
Accounts Payable5.8B6.6B4.7M18.9M21.8M20.7M
Long Term Debt105.4M105.6M105.9M156.1M140.5M197.2M
Inventory(124.3M)(345.6M)(132.4M)(784.9M)(706.4M)(671.1M)
Other Current Assets124.3M345.6M132.4M543.9M489.6M465.1M
Intangible Assets11.9M9.7M9.1M8.7M10.0M9.5M
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

202020212022202320242025 (projected)
Interest Expense14.7M7.7M17.1M72.7M65.4M68.7M
Operating Income49.0M105.7M115.9M102.2M117.5M70.7M
Ebit39.0M36.1M41.1M39.7M45.7M59.1M
Ebitda45.2M43.1M47.9M46.7M53.7M65.5M
Net Income37.3M79.9M73.9M58.7M67.5M70.8M
Income Tax Expense11.8M25.8M24.8M18.2M20.9M21.9M
Total Revenue238.5M254.1M263.5M241.0M277.1M170.2M
Gross Profit238.5M254.1M263.5M241.0M277.1M170.3M
Income Before Tax49.0M105.7M98.8M76.8M88.3M92.8M
Tax Provision11.8M25.8M24.8M18.2M16.3M18.2M
Net Interest Income197.1M211.0M215.2M209.5M241.0M203.3M
Interest Income211.9M218.4M232.3M282.2M324.5M227.8M

Central Pacific Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.1M224.8M(216.9M)410.4M369.4M387.8M
Free Cash Flow50.8M88.3M95.7M92.5M106.3M61.9M
Depreciation12.4M10.5M8.2M7.6M8.8M9.6M
Other Non Cash Items36.9M3.7M(8.8M)10.2M11.8M11.2M
Dividends Paid25.9M27.0M28.5M28.1M32.3M34.0M
Capital Expenditures26.0M22.2M18.4M12.7M14.5M15.3M
Net Income37.3M79.9M73.9M58.7M67.5M70.8M
End Period Cash Flow104.1M328.9M112.0M522.4M600.8M630.8M
Investments(571.8M)(636.6M)(364.3M)(33.2M)(38.2M)(40.1M)
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 function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. 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

(0.5)

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

Central Pacific January 22, 2025 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.

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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.
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