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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.50
CPF's Cash to Debt is ranked lower than
69% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. CPF: 0.50 )
Ranked among companies with meaningful Cash to Debt only.
CPF' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.49 Max: 1.64
Current: 0.5
0.09
1.64
Equity to Asset 0.10
CPF's Equity to Asset is ranked higher than
51% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CPF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CPF' s Equity to Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.10 Max: 0.14
Current: 0.1
0.02
0.14
Interest Coverage 11.21
CPF's Interest Coverage is ranked higher than
91% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CPF: 11.21 )
Ranked among companies with meaningful Interest Coverage only.
CPF' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 5.43 Max: 11.21
Current: 11.21
0.2
11.21
F-Score: 6
M-Score: -2.41
WACC vs ROIC
9.45%
7.25%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 38.70
CPF's Operating margin (%) is ranked higher than
67% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. CPF: 38.70 )
Ranked among companies with meaningful Operating margin (%) only.
CPF' s Operating margin (%) Range Over the Past 10 Years
Min: -143.89  Med: 23.60 Max: 47.44
Current: 38.7
-143.89
47.44
Net-margin (%) 24.33
CPF's Net-margin (%) is ranked higher than
56% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. CPF: 24.33 )
Ranked among companies with meaningful Net-margin (%) only.
CPF' s Net-margin (%) Range Over the Past 10 Years
Min: -142.84  Med: 21.26 Max: 91.5
Current: 24.33
-142.84
91.5
ROE (%) 8.73
CPF's ROE (%) is ranked higher than
52% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. CPF: 8.73 )
Ranked among companies with meaningful ROE (%) only.
CPF' s ROE (%) Range Over the Past 10 Years
Min: -129.04  Med: 7.61 Max: 46.11
Current: 8.73
-129.04
46.11
ROA (%) 0.92
CPF's ROA (%) is ranked higher than
52% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CPF: 0.92 )
Ranked among companies with meaningful ROA (%) only.
CPF' s ROA (%) Range Over the Past 10 Years
Min: -6.09  Med: 0.88 Max: 3.78
Current: 0.92
-6.09
3.78
Revenue Growth (3Y)(%) 10.40
CPF's Revenue Growth (3Y)(%) is ranked higher than
76% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CPF: 10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CPF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.7  Med: 6.70 Max: 15
Current: 10.4
-66.7
15
EBITDA Growth (3Y)(%) 20.00
CPF's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CPF: 20.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CPF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24  Med: 11.10 Max: 32.3
Current: 20
-24
32.3
EPS Growth (3Y)(%) 7.60
CPF's EPS Growth (3Y)(%) is ranked higher than
51% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CPF: 7.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CPF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -53.3  Med: 7.60 Max: 34.4
Current: 7.6
-53.3
34.4
» CPF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-24)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2015

CPF Guru Trades in Q2 2015

Paul Tudor Jones 16,505 sh (New)
Jeff Auxier 166,722 sh (-1.21%)
Jim Simons 412,000 sh (-1.41%)
» More
Q3 2015

CPF Guru Trades in Q3 2015

Ken Fisher 128,177 sh (New)
Paul Tudor Jones 27,629 sh (+67.40%)
Jim Simons 530,260 sh (+28.70%)
Jeff Auxier 104,947 sh (-37.05%)
» More
Q4 2015

CPF Guru Trades in Q4 2015

Jim Simons 658,900 sh (+24.26%)
Ken Fisher 139,084 sh (+8.51%)
Jeff Auxier 104,947 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q1 2016

CPF Guru Trades in Q1 2016

Ken Fisher 151,587 sh (+8.99%)
» More
» Details

Insider Trades

Latest Guru Trades with CPF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.67
CPF's P/E(ttm) is ranked lower than
67% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CPF: 16.67 )
Ranked among companies with meaningful P/E(ttm) only.
CPF' s P/E(ttm) Range Over the Past 10 Years
Min: 3.1  Med: 14.39 Max: 114.78
Current: 16.67
3.1
114.78
Forward P/E 14.58
CPF's Forward P/E is ranked lower than
78% of the 365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CPF: 14.58 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.67
CPF's PE(NRI) is ranked lower than
67% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. CPF: 16.67 )
Ranked among companies with meaningful PE(NRI) only.
CPF' s PE(NRI) Range Over the Past 10 Years
Min: 3.11  Med: 14.37 Max: 113.6
Current: 16.67
3.11
113.6
Price/Owner Earnings (ttm) 1.66
CPF's Price/Owner Earnings (ttm) is ranked higher than
93% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. CPF: 1.66 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CPF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.9  Med: 11.74 Max: 23.61
Current: 1.66
0.9
23.61
P/B 1.48
CPF's P/B is ranked lower than
74% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CPF: 1.48 )
Ranked among companies with meaningful P/B only.
CPF' s P/B Range Over the Past 10 Years
Min: 0.08  Med: 1.24 Max: 2.45
Current: 1.48
0.08
2.45
P/S 4.07
CPF's P/S is ranked lower than
69% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CPF: 4.07 )
Ranked among companies with meaningful P/S only.
CPF' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 3.58 Max: 4.88
Current: 4.07
0.1
4.88
PFCF 11.09
CPF's PFCF is ranked lower than
51% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CPF: 11.09 )
Ranked among companies with meaningful PFCF only.
CPF' s PFCF Range Over the Past 10 Years
Min: 0.12  Med: 10.52 Max: 1389.59
Current: 11.09
0.12
1389.59
POCF 10.23
CPF's POCF is ranked lower than
55% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CPF: 10.23 )
Ranked among companies with meaningful POCF only.
CPF' s POCF Range Over the Past 10 Years
Min: 0.12  Med: 9.72 Max: 221.29
Current: 10.23
0.12
221.29
EV-to-EBIT 11.14
CPF's EV-to-EBIT is ranked higher than
62% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. CPF: 11.14 )
Ranked among companies with meaningful EV-to-EBIT only.
CPF' s EV-to-EBIT Range Over the Past 10 Years
Min: -427.5  Med: 12.20 Max: 54
Current: 11.14
-427.5
54
EV-to-EBITDA 9.49
CPF's EV-to-EBITDA is ranked higher than
66% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. CPF: 9.49 )
Ranked among companies with meaningful EV-to-EBITDA only.
CPF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -21.5  Med: 10.00 Max: 179.5
Current: 9.49
-21.5
179.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.23
CPF's Dividend Yield is ranked lower than
59% of the 2089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CPF: 2.23 )
Ranked among companies with meaningful Dividend Yield only.
CPF' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 2.26 Max: 17.63
Current: 2.23
0.4
17.63
Dividend Payout 0.36
CPF's Dividend Payout is ranked higher than
63% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CPF: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
CPF' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.34 Max: 5.16
Current: 0.36
0.04
5.16
Forward Dividend Yield 2.40
CPF's Forward Dividend Yield is ranked lower than
59% of the 1957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CPF: 2.40 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.20
CPF's Yield on cost (5-Year) is ranked lower than
64% of the 2483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. CPF: 2.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CPF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.4  Med: 2.26 Max: 17.63
Current: 2.2
0.4
17.63
3-Year Average Share Buyback Ratio 8.10
CPF's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1111 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CPF: 8.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CPF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -203.3  Med: 1.80 Max: 10.4
Current: 8.1
-203.3
10.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.56
CPF's Price/Tangible Book is ranked lower than
70% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CPF: 1.56 )
Ranked among companies with meaningful Price/Tangible Book only.
CPF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.67  Med: 1.45 Max: 3.59
Current: 1.56
0.67
3.59
Price/Projected FCF 0.65
CPF's Price/Projected FCF is ranked higher than
55% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CPF: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
CPF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.61 Max: 1.18
Current: 0.65
0.02
1.18
Price/Median PS Value 1.14
CPF's Price/Median PS Value is ranked lower than
63% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CPF: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
CPF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.05  Med: 0.92 Max: 1.32
Current: 1.14
0.05
1.32
Price/Graham Number 1.07
CPF's Price/Graham Number is ranked lower than
67% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CPF: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
CPF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.05  Med: 1.00 Max: 2.39
Current: 1.07
0.05
2.39
Earnings Yield (Greenblatt) (%) 9.00
CPF's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CPF: 9.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.10 Max: 10.4
Current: 9
1.9
10.4
Forward Rate of Return (Yacktman) (%) 104.70
CPF's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. CPF: 104.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CPF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.9  Med: 169.20 Max: 690.3
Current: 104.7
-2.9
690.3

More Statistics

Revenue(Mil) $189
EPS $ 1.40
Beta1.19
Short Percentage of Float1.39%
52-Week Range $18.47 - 24.81
Shares Outstanding(Mil)31.33

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.45 1.60
EPS without NRI($) 1.45 1.60

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LKFN, OTCPK:FMBL, NYSE:BANC, NAS:STBZ, NAS:ORIT, NAS:NFBK » details
Traded in other countries:XCP1.Germany,
Central Pacific Financial Corp is a Hawaii Corporation and bank holding company registered under the Bank Holding Company Act of 1956 was organized on February 1, 1982. The Company's main business is to serve as a holding company for its bank subsidiary, Central Pacific Bank, which was incorporated in its present form in the state of Hawaii on March 16, 1982 in connection with the holding company reorganization, and its predecessor entity was incorporated in the state of Hawaii on January 15, 1954. Through CPF's bank and its subsidiaries, the Company offers commercial banking with 35 bank branches and more than 112 ATMs located throughout the state of Hawaii. It has 28 branches on the island of Oahu. It operates four branches on the island of Maui, two branches on the island of Hawaii and one branch on the island of Kauai. The Company's bank's deposits are insured by the FDIC up to applicable limits. It offers a range of banking services and products to businesses, professionals and individuals. The Company provides its customers with an array of commercial and consumer loan products, including commercial real estate and construction loans, residential mortgage loans, commercial loans and lines of credit, and consumer loans and lines of credit. Through CPF's bank, it concentrates its lending activities in five main areas: Residential Mortgage Lending, Commercial Lending and Leasing, Commercial Real Estate Lending, Construction Lending and Consumer Lending. Residential mortgage loans include both fixed and adjustable-rate loans mainly secured by single-family, owner-occupied residences in Hawaii. Loans in Commercial Lending and Leasing category consist of term loans, lines of credit and equipment leases to small and middle-market businesses and professionals in the state of Hawaii. Loans in Commercial Real Estate Lending category consist of loans secured by commercial real estate, including but not limited to, structures and facilities to support activities designated as industrial, warehouse, general office, retail, health care, religious and multi-family dwellings. Construction lending encompasses the financing of residential and commercial construction projects. Construction lending encompasses the financing of residential and commercial construction projects. Similar to commercial real estate lending, construction projects are subject to credit risk given the long delivery time frames for projects.The Company competes for loans, deposits and customers with other commercial banks, savings banks, securities and brokerage companies, mortgage companies, insurance companies, finance companies, credit unions and other nonbank financial service providers. As a bank holding company, the Company is regulated under the Bank Holding Company Act of 1956, and is subject to inspection, examination and supervision by the Federal Reserve System.
» More Articles for CPF

Headlines

Articles On GuruFocus.com
What to Expect from Bank of Hawaii's Second Quarter Results Jul 28 2014 
The Low P/E Stocks of Seth Klarman Dec 06 2013 
Central Pacific Financial Corp. Reports Operating Results (10-K) Feb 09 2011 
Central Pacific Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Central Pacific Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Central Pacific Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Central Pacific Financial Corp. Reports Operating Results (10-Q) Aug 06 2009 
Central Pacific Financial Corp. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
Edited Transcript of CPF earnings conference call or presentation 28-Apr-16 5:00pm GMT Apr 29 2016
Central Pacific Financial Corp. Reports $11.2 Million First Querter Earnings Apr 28 2016
CENTRAL PACIFIC FINANCIAL CORP. REPORTS $11.2 MILLION FIRST QUARTER EARNINGS Apr 28 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
Central Pacific Financial posts 1Q profit Apr 28 2016
Central Pacific Financial posts 1Q profit Apr 28 2016
Central Pacific Financial Corp. Reports $11.2 Million First Quarter Earnings Apr 28 2016
Central Pacific Financial Corp. Reports $11.2 Million First Quarter Earnings Apr 28 2016
Q1 2016 Central Pacific Financial Corp Earnings Release - Before Market Open Apr 28 2016
Central Pacific Financial Corp. Conference Call To Discuss First Quarter 2016 Financial Results Apr 15 2016
Central Pacific Financial Corp. Conference Call To Discuss First Quarter 2016 Financial Results Apr 15 2016
Central Pacific Financial Corp. breached its 50 day moving average in a Bearish Manner : CPF-US :... Apr 08 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Mar 07 2016
CENTRAL PACIFIC FINANCIAL CORP Financials Mar 03 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 10-K, Annual Report Feb 25 2016
Central Pacific Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
CPB to focus on commercial real estate loans in 2016 Jan 28 2016
Edited Transcript of CPF earnings conference call or presentation 28-Jan-16 6:00pm GMT Jan 28 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 28 2016
Central Pacific Financial posts 4Q profit Jan 28 2016

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