10 Year Financial Data of Central Pacific Financial Corporation (CPF)

17.96 (1y: +35%)

Market Cap	743.15 M	P/E(ttm)	4.40
Enterprise Value	851.42 M	P/B	1.49

CPF- NYSE (USA)
Central Pacific Financial Corporation

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$17.96

3 Severe Warning Signs 2 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-29	-66.9	1.5
EBITDA Growth (%)	0	0	14.9
Free Cash Flow Growth (%)	-23.8	-79.2	64.4
Book Value Growth (%)	-33.6	-33.6	37.6

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	129	142	156	165	169	179	159	116	4.62	4.17	4.15	1.05	1.05	1.08	1.00	1.02
EBITDA per Share	71.84	60.80	83.67	88.29	28.05	-120	-219	-156	1.38	1.52	1.62	0.40	0.37	0.36	0.39	0.50
Free Cashflow per Share	41.67	10.98	30.95	56.99	52.38	187	85.63	145	0.62	0.85	0.97	0.63	--	0.33	-0.10	0.74
Earnings per Share ($)	41.40	37.40	47.60	51.40	3.80	-96.60	-221	-171	3.31	1.13	4.06	0.32	0.26	0.26	0.29	3.25
Dividends Per Share	12.80	12.80	14.60	17.60	19.60	14.00	--	--	--	--	--	--	--	--	--	--
Book Value per Share	237	568	444	479	441	367	230	43.57	12.56	12.00	15.37	11.17	11.45	11.93	11.89	15.37
Month End Stock Price	601	723	718	775	369	201	26.20	30.60	12.92	15.59	15.70	12.95	14.12	14.30	15.59	15.70
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	17.40	6.60	10.70	10.70	0.90	-26.30	-93.40	-380	8.00	9.40	84.40	11.60	9.20	8.40	10.00	84.40
Return on Assets %	1.60	0.80	1.40	1.40	0.10	-2.50	-6.40	-6.40	0.90	1.10	12.00	1.20	1.20	0.80	1.20	12.00
Return on Capital - Joel Greenblatt %	--	192	--	574	144	-74.30	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.97	1.19	1.23	1.11	1.38	1.77	2.68	10.03	0.35	0.21	0.17	0.23	0.23	0.22	0.21	0.17

Operating Margin %	46.90	38.00	45.90	47.40	10.90	-73.10	-144	-143	21.80	27.00	40.60	30.80	24.60	23.60	29.30	40.60
Net Margin %	32.10	26.30	30.50	31.20	2.30	-53.90	-135	-143	21.80	27.00	318	30.80	24.60	23.60	29.30	318

Debt to Revenue	1.77	4.76	3.50	3.23	3.62	3.62	3.88	3.77	0.94	0.62	2.51	2.48	2.47	2.38	2.56	2.51
Interest Exp. to Revenue %	85.05	84.52	82.75	83.01	82.23	78.65	75.25	67.54	70.13	68.23	71.09	69.74	68.97	64.98	69.38	71.09

Asset Turnover	0.05	0.03	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	0.40	0.70	--	-885	--	--	--	--	--	--	--
Dividend Payout Ratio	0.31	0.34	0.31	0.34	5.16	--	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	90.05	120	197	211	212	202	175	119	118	120	120	30.50	30.26	29.56	29.39	30.67
Non Interest Income	15.83	22.02	41.00	43.16	45.80	54.81	57.41	57.04	50.18	55.74	54.98	13.23	13.61	15.93	12.97	12.47
Revenue	106	142	238	254	258	257	232	176	168	175	175	43.73	43.87	45.49	42.36	43.14

Selling, General, &Admin. Expense	29.22	46.14	67.31	75.78	65.14	87.00	100.00	93.58	87.29	94.07	94.27	23.23	24.07	22.77	23.90	23.54
Credit Losses Provision	0.70	2.08	3.92	1.35	53.00	172	349	160	-40.69	-18.89	-20.46	-4.99	-6.63	-4.98	-2.28	-6.56
Other Expenses	17.06	33.17	39.11	40.91	96.69	169	102	159	71.08	36.32	32.61	8.71	11.02	12.65	4.05	4.89
Earnings Before DDA	58.91	60.80	127	136	42.86	-171	-319	-236	50.33	63.95	68.44	16.78	15.42	15.06	16.69	21.27

Depreciation, Depletion and Amortization	9.30	6.83	18.35	15.47	14.72	16.47	14.53	14.80	13.76	16.53	16.99	3.31	4.61	4.34	4.28	3.77

Operating Income	49.61	53.98	109	120	28.15	-188	-334	-251	36.57	47.42	51.45	13.48	10.81	10.72	12.41	17.51
Net Income	33.94	37.39	72.46	79.18	5.81	-138	-314	-251	36.57	47.42	171	13.48	10.81	10.72	12.41	137

Preferred dividends	--	--	--	--	--	--	7.95	8.43	-83.90	--	--	--	--	--	--	--
Earnings per Share ($)	41.40	37.40	47.60	51.40	3.80	-96.60	-221	-171	3.31	1.13	4.06	0.32	0.26	0.26	0.29	3.25
Total Shares Outstanding	0.82	1.00	1.52	1.54	1.53	1.43	1.46	1.52	36.34	42.08	42.30	41.84	41.96	42.02	42.45	42.30
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	69.00	138	165	136	79.33	108	488	791	257	177	215	128	174	221	177	215
Money Market Investments	2.00	25.60	48.80	48.80	51.60	--	--	--	--	--	--	--	--	--	--	--
Net Loan	1,425	3,067	3,560	3,820	4,087	3,950	2,921	2,046	1,993	2,146	2,205	1,989	2,028	2,037	2,146	2,205
Securities & Investments	555	899	925	911	899	751	924	705	1,494	1,699	1,696	1,647	1,633	1,663	1,699	1,696
Accounts Receivable	8.83	18.30	22.01	26.27	26.04	62.48	54.43	13.50	14.07	13.90	14.15	12.22	12.60	13.20	13.90	14.15
Property, Plant and Equipment	56.13	77.10	72.57	77.34	82.84	81.06	75.19	57.39	51.41	48.76	48.58	50.39	50.20	49.42	48.76	48.58
Intangible Assets	--	285	315	310	256	192	148	44.64	41.99	37.50	36.18	41.44	39.70	38.77	37.50	36.18
Other Assets	54.32	142	130	158	199	287	259	280	282	248	366	291	290	287	248	366
Total Assets	2,170	4,652	5,239	5,487	5,680	5,432	4,870	3,938	4,133	4,370	4,581	4,158	4,227	4,310	4,370	4,581

Total Deposits	1,753	3,327	3,642	3,844	4,003	3,912	3,569	3,133	3,444	3,681	3,765	3,508	3,562	3,622	3,681	3,765
Current Portion of Long-Term Debt	3.51	88.90	82.73	79.31	16.00	279	242	202	0.03	--	--	--	--	--	--	--
Long-Term Debt	184	587	749	740	916	649	658	460	158	108	108	108	108	108	108	108
Other liabilities	34.69	80.73	88.67	85.07	71.25	65.80	64.34	76.77	74.57	76.49	58.01	74.73	75.95	78.70	76.49	58.01
Total Liabilities	1,976	4,084	4,563	4,749	5,006	4,906	4,534	3,872	3,676	3,866	3,931	3,691	3,747	3,809	3,866	3,931

Common Stock	9.59	361	428	--	--	403	--	--	--	--	--	--	785	--	--	--
Preferred Stock	--	--	--	--	--	--	129	130	--	--	--	--	--	--	--	--
Retained Earnings	143	168	218	271	223	63.76	-258	-517	-397	-349	-212	-383	-373	-362	-349	-212
Additional Paid-In Capital	45.85	45.85	46.43	483	458	459	468	467	851	855	856	852	67.93	854	855	856
Total Equity	195	568	676	738	674	526	336	66.05	456	505	650	467	481	501	505	650
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	33.94	37.39	72.46	79.18	5.81	-138	-314	-251	36.57	47.42	171	13.48	10.81	10.72	12.41	137
Depreciation, Depletion and Amortization	9.30	6.83	18.35	15.47	14.72	16.47	14.53	14.80	13.76	16.53	16.99	3.31	4.61	4.34	4.28	3.77
Cash Flow from Others	-9.08	-33.24	-43.70	-6.88	59.51	396	430	458	-27.21	-24.56	-143	10.02	-14.13	-0.47	-19.99	-108
Cash Flow from Operations	34.17	10.98	47.11	87.77	80.03	274	131	221	23.12	39.39	45.32	26.81	1.29	14.59	-3.30	32.74

Investment for Property, Plant & Equipement	--	--	--	--	--	-6.28	-6.14	-1.95	-0.75	-3.70	-4.51	-0.52	-1.38	-0.87	-0.93	-1.34
Cash Flow from Acquisitions	--	-44.20	-8.30	-0.98	-0.47	-6.74	-3.65	0.59	0.52	0.47	0.54	0.43	0.01	0.02	0.01	0.50
Cash Flow from Investing	-148	-346	-534	-286	-323	-158	486	756	-687	-306	-215	-171	-9.82	-26.70	-99.18	-79.52

Net Issuance of Stock	0.91	2.34	66.94	3.66	-52.19	-1.22	2.26	-1.02	324	--	--	--	--	--	--	--
Net Issuance of Preferred Stock	--	--	--	--	--	--	134	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	11.53	241	128	-11.25	113	22.16	-28.11	-238	-504	-50.05	-0.02	-50.04	-0.01	-0.00	-0.00	-0.01
Cash Flow for Dividends	-9.45	-14.80	-21.85	-26.90	-29.63	-20.11	-2.36	--	--	--	--	--	--	--	--	--
Other Financing	112	199	315	203	158	-91.11	-343	-436	311	237	257	64.28	54.51	59.27	59.18	83.92
Cash Flow from Financing	115	427	488	169	190	-90.29	-236	-675	130	187	257	14.24	54.51	59.27	59.18	83.91

Net Change in Cash	1.58	92.45	1.29	-29.09	-53.52	25.62	381	302	-534	-79.70	86.98	-130	45.98	47.16	-43.30	37.13

Free Cash Flow	34.17	10.98	47.11	87.77	80.03	268	125	219	22.38	35.69	40.81	26.29	-0.09	13.72	-4.23	31.40
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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CPF Quarterly/Annuals Reports

CPF: 10-Q - CENTRAL PACIFIC FINANCIAL CORP (0000701347) (Filer): (10-Q) - 2012-11-06
CPF: 10-Q - CENTRAL PACIFIC FINANCIAL CORP (0000701347) (Filer): (10-Q) - 2012-08-09
CPF: 10-Q - CENTRAL PACIFIC FINANCIAL CORP (0000701347) (Filer): (10-Q) - 2012-05-08
CPF: 10-Q - CENTRAL PACIFIC FINANCIAL CORP (0000701347) (Filer): (10-Q) - 2011-11-07
CPF: 10-Q - CENTRAL PACIFIC FINANCIAL CORP (0000701347) (Filer): (10-Q) - 2011-08-08

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