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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 0.52
CPF's Cash to Debt is ranked lower than
68% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CPF: 0.52 )
Ranked among companies with meaningful Cash to Debt only.
CPF' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.45 Max: 5.96
Current: 0.52
0.06
5.96
Equity to Asset 0.12
CPF's Equity to Asset is ranked higher than
70% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CPF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
CPF' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.10 Max: 0.14
Current: 0.12
0.02
0.14
Interest Coverage 9.52
CPF's Interest Coverage is ranked higher than
90% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CPF: 9.52 )
Ranked among companies with meaningful Interest Coverage only.
CPF' s 10-Year Interest Coverage Range
Min: 0.2  Med: 1.10 Max: 9.52
Current: 9.52
0.2
9.52
F-Score: 5
WACC vs ROIC
10.82%
6.52%
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 (%) 32.68
CPF's Operating margin (%) is ranked higher than
57% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CPF: 32.68 )
Ranked among companies with meaningful Operating margin (%) only.
CPF' s 10-Year Operating margin (%) Range
Min: -143.89  Med: 31.67 Max: 47.44
Current: 32.68
-143.89
47.44
Net-margin (%) 21.75
CPF's Net-margin (%) is ranked higher than
50% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CPF: 21.75 )
Ranked among companies with meaningful Net-margin (%) only.
CPF' s 10-Year Net-margin (%) Range
Min: -142.84  Med: 21.69 Max: 91.5
Current: 21.75
-142.84
91.5
ROE (%) 7.12
CPF's ROE (%) is ranked lower than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CPF: 7.12 )
Ranked among companies with meaningful ROE (%) only.
CPF' s 10-Year ROE (%) Range
Min: -129.04  Med: 10.31 Max: 46.11
Current: 7.12
-129.04
46.11
ROA (%) 0.85
CPF's ROA (%) is ranked higher than
51% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CPF: 0.85 )
Ranked among companies with meaningful ROA (%) only.
CPF' s 10-Year ROA (%) Range
Min: -6.09  Med: 1.03 Max: 3.78
Current: 0.85
-6.09
3.78
ROC (Joel Greenblatt) (%) 121.16
CPF's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. CPF: 121.16 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CPF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -378.57  Med: 87.21 Max: 184.86
Current: 121.16
-378.57
184.86
Revenue Growth (3Y)(%) 2.30
CPF's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CPF: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CPF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.1  Med: 5.80 Max: 15
Current: 2.3
-67.1
15
EBITDA Growth (3Y)(%) 11.20
CPF's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CPF: 11.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CPF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -24  Med: 8.40 Max: 32.3
Current: 11.2
-24
32.3
EPS Growth (3Y)(%) -31.40
CPF's EPS Growth (3Y)(%) is ranked lower than
93% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CPF: -31.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CPF' s 10-Year EPS Growth (3Y)(%) Range
Min: -53.4  Med: 7.50 Max: 34.4
Current: -31.4
-53.4
34.4
» CPF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CPF Guru Trades in Q2 2014

Jeff Auxier 208,472 sh (-0.05%)
Jim Simons 312,560 sh (-7.87%)
» More
Q3 2014

CPF Guru Trades in Q3 2014

Jim Simons 291,000 sh (-6.90%)
Jeff Auxier 175,672 sh (-15.73%)
» More
Q4 2014

CPF Guru Trades in Q4 2014

Jim Simons 361,400 sh (+24.19%)
Jeff Auxier 175,672 sh (unchged)
» More
Q1 2015

CPF Guru Trades in Q1 2015

Jim Simons 417,900 sh (+15.63%)
Jeff Auxier 96,648 sh (-44.98%)
» 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) 20.42
CPF's P/E(ttm) is ranked lower than
77% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CPF: 20.42 )
Ranked among companies with meaningful P/E(ttm) only.
CPF' s 10-Year P/E(ttm) Range
Min: 3.1  Med: 14.51 Max: 114.78
Current: 20.42
3.1
114.78
Forward P/E 15.97
CPF's Forward P/E is ranked lower than
82% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. CPF: 15.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.70
CPF's PE(NRI) is ranked lower than
77% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CPF: 20.70 )
Ranked among companies with meaningful PE(NRI) only.
CPF' s 10-Year PE(NRI) Range
Min: 3.11  Med: 14.47 Max: 113.6
Current: 20.7
3.11
113.6
P/B 1.38
CPF's P/B is ranked lower than
71% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CPF: 1.38 )
Ranked among companies with meaningful P/B only.
CPF' s 10-Year P/B Range
Min: 0.08  Med: 1.25 Max: 2.45
Current: 1.38
0.08
2.45
P/S 4.48
CPF's P/S is ranked lower than
75% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CPF: 4.48 )
Ranked among companies with meaningful P/S only.
CPF' s 10-Year P/S Range
Min: 0.1  Med: 3.68 Max: 5.48
Current: 4.48
0.1
5.48
PFCF 13.71
CPF's PFCF is ranked lower than
60% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. CPF: 13.71 )
Ranked among companies with meaningful PFCF only.
CPF' s 10-Year PFCF Range
Min: 0.12  Med: 10.81 Max: 336.25
Current: 13.71
0.12
336.25
POCF 12.32
CPF's POCF is ranked lower than
63% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. CPF: 12.32 )
Ranked among companies with meaningful POCF only.
CPF' s 10-Year POCF Range
Min: 0.12  Med: 9.96 Max: 165.4
Current: 12.32
0.12
165.4
EV-to-EBIT 13.11
CPF's EV-to-EBIT is ranked higher than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. CPF: 13.11 )
Ranked among companies with meaningful EV-to-EBIT only.
CPF' s 10-Year EV-to-EBIT Range
Min: -427.5  Med: 13.10 Max: 54.2
Current: 13.11
-427.5
54.2
Days Sales Outstanding 25.95
CPF's Days Sales Outstanding is ranked higher than
67% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. CPF: 25.95 )
Ranked among companies with meaningful Days Sales Outstanding only.
CPF' s 10-Year Days Sales Outstanding Range
Min: 25.36  Med: 37.32 Max: 88.82
Current: 25.95
25.36
88.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
CPF's Dividend Yield is ranked lower than
66% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CPF: 1.89 )
Ranked among companies with meaningful Dividend Yield only.
CPF' s 10-Year Dividend Yield Range
Min: 0.4  Med: 2.19 Max: 17.63
Current: 1.89
0.4
17.63
Dividend Payout 0.35
CPF's Dividend Payout is ranked higher than
66% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CPF: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
CPF' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.33 Max: 4.17
Current: 0.35
0.16
4.17
Yield on cost (5-Year) 1.88
CPF's Yield on cost (5-Year) is ranked lower than
70% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CPF: 1.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CPF' s 10-Year Yield on cost (5-Year) Range
Min: 0.4  Med: 2.19 Max: 17.63
Current: 1.88
0.4
17.63
Share Buyback Rate -1.40
CPF's Share Buyback Rate is ranked higher than
54% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CPF: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
CPF' s 10-Year Share Buyback Rate Range
Min: 10.4  Med: 0.10 Max: -203.3
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
CPF's Price/Tangible Book is ranked lower than
66% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CPF: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
CPF' s 10-Year Price/Tangible Book Range
Min: 0.37  Med: 1.53 Max: 3.59
Current: 1.48
0.37
3.59
Price/Projected FCF 0.61
CPF's Price/Projected FCF is ranked higher than
61% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CPF: 0.61 )
Ranked among companies with meaningful Price/Projected FCF only.
CPF' s 10-Year Price/Projected FCF Range
Min: 0.02  Med: 0.60 Max: 1.32
Current: 0.61
0.02
1.32
Price/Median PS Value 1.21
CPF's Price/Median PS Value is ranked lower than
65% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CPF: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
CPF' s 10-Year Price/Median PS Value Range
Min: 0.04  Med: 0.84 Max: 1.41
Current: 1.21
0.04
1.41
Price/Graham Number 1.14
CPF's Price/Graham Number is ranked lower than
73% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CPF: 1.14 )
Ranked among companies with meaningful Price/Graham Number only.
CPF' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 1.01 Max: 2.36
Current: 1.14
0.43
2.36
Earnings Yield (Greenblatt) (%) 7.66
CPF's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CPF: 7.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 6.80 Max: 10.4
Current: 7.66
1.8
10.4
Forward Rate of Return (Yacktman) (%) 99.23
CPF's Forward Rate of Return (Yacktman) (%) is ranked higher than
96% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CPF: 99.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CPF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.1  Med: 136.10 Max: 690.3
Current: 99.23
-4.1
690.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jul 27 2015
Central Pacific Bank sees strong business and consumer loans in second quarter Jul 24 2015
Central Pacific Financial Corp. Reports $12.3 Million Second Quarter Earnings Jul 24 2015
Edited Transcript of CPF earnings conference call or presentation 24-Jul-15 5:00pm GMT Jul 24 2015
Central Pacific Financial Corp. Reports $12.3 Million Second Quarter Earnings Jul 24 2015
Q2 2015 Central Pacific Financial Corp Earnings Release - Before Market Open Jul 24 2015
Central Pacific Financial posts 2Q profit Jul 24 2015
Central Pacific Financial posts 2Q profit Jul 24 2015
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 24 2015
Central Pacific Financial Corp. To Present At The Keefe, Bruyette & Woods Community Bank Investor... Jul 20 2015
Central Pacific Financial Corp. Conference Call To Discuss Second Quarter 2015 Financial Results Jul 14 2015
Private equity firm directors resign from Central Pacific Financial Corp.’s board Jun 15 2015
Central Pacific Financial Corp. Realigns Board of Directors Jun 15 2015
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jun 15 2015
Central Pacific Financial Corp. Realigns Board Of Directors Jun 15 2015
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Other Events Jun 10 2015
Anchorage Capital’s Plan To Further Slash Its Central Pacific Financial Corp. (CPF) Stake Jun 09 2015
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 08 2015
Central Pacific Bank’s new executive team to continue Hawaii bank's core strategy Jun 05 2015
Carlyle Group and Anchorage Capital to sell more shares of Central Pacific Financial Corp. Jun 05 2015

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