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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 0.43
NYSE:CPF's Cash to Debt is ranked lower than
77% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NYSE:CPF: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:CPF' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.42 Max: 2.04
Current: 0.43
0.06
2.04
Equity to Asset 0.10
NYSE:CPF's Equity to Asset is ranked higher than
51% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NYSE:CPF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:CPF' s Equity to Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.1 Max: 0.14
Current: 0.1
0.02
0.14
Interest Coverage 8.49
NYSE:CPF's Interest Coverage is ranked higher than
88% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NYSE:CPF: 8.49 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:CPF' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 5.43 Max: 11.21
Current: 8.49
0.2
11.21
F-Score: 6
M-Score: -2.44
WACC vs ROIC
9.87%
7.00%
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 (%) 35.65
NYSE:CPF's Operating margin (%) is ranked higher than
61% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NYSE:CPF: 35.65 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:CPF' s Operating margin (%) Range Over the Past 10 Years
Min: -143.89  Med: 23.6 Max: 47.44
Current: 35.65
-143.89
47.44
Net-margin (%) 22.96
NYSE:CPF's Net-margin (%) is ranked higher than
52% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NYSE:CPF: 22.96 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:CPF' s Net-margin (%) Range Over the Past 10 Years
Min: -142.84  Med: 21.26 Max: 91.5
Current: 22.96
-142.84
91.5
ROE (%) 8.98
NYSE:CPF's ROE (%) is ranked higher than
54% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NYSE:CPF: 8.98 )
Ranked among companies with meaningful ROE (%) only.
NYSE:CPF' s ROE (%) Range Over the Past 10 Years
Min: -129.04  Med: 7.61 Max: 46.11
Current: 8.98
-129.04
46.11
ROA (%) 0.88
NYSE:CPF's ROA (%) is ranked higher than
50% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NYSE:CPF: 0.88 )
Ranked among companies with meaningful ROA (%) only.
NYSE:CPF' s ROA (%) Range Over the Past 10 Years
Min: -6.09  Med: 0.88 Max: 3.78
Current: 0.88
-6.09
3.78
Revenue Growth (3Y)(%) 10.40
NYSE:CPF's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NYSE:CPF: 10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:CPF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.7  Med: 6.7 Max: 15
Current: 10.4
-66.7
15
EBITDA Growth (3Y)(%) 20.00
NYSE:CPF's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NYSE:CPF: 20.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:CPF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24  Med: 11.1 Max: 32.3
Current: 20
-24
32.3
EPS Growth (3Y)(%) 7.40
NYSE:CPF's EPS Growth (3Y)(%) is ranked higher than
51% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NYSE:CPF: 7.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:CPF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -53.3  Med: 7.5 Max: 34.4
Current: 7.4
-53.3
34.4
» NYSE:CPF's 10-Y Financials

Financials


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

» Details

Guru Trades

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

Paul Tudor Jones 9,601 sh (New)
Jim Simons 787,700 sh (+19.55%)
Ken Fisher 151,587 sh (+8.99%)
Jeff Auxier 104,947 sh (unchged)
» More
Q2 2016

CPF Guru Trades in Q2 2016

Paul Tudor Jones 11,460 sh (+19.36%)
Jim Simons 867,900 sh (+10.18%)
Jeff Auxier 103,947 sh (-0.95%)
Ken Fisher 133,901 sh (-11.67%)
» More
Q3 2016

CPF Guru Trades in Q3 2016

Jim Simons 890,800 sh (+2.64%)
Paul Tudor Jones Sold Out
Jeff Auxier 103,447 sh (-0.48%)
Ken Fisher 100,967 sh (-24.60%)
» More
» Details

Insider Trades

Latest Guru Trades with CPF

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:CUBI, NAS:CHCO, NAS:STBZ, NAS:NFBK, NAS:PPBI, NAS:WASH, NAS:SYBT, NAS:SASR, NAS:SBSI, NAS:OPB, NAS:SRCE, NAS:HAFC, NAS:CFNL, NAS:CSFL, NAS:BUSE, NAS:TRST, NAS:BRKL, NAS:LBAI, NAS:EFSC, NAS:RBCAA » details
Traded in other countries:XCP1.Germany,
Central Pacific Financial Corp is a bank holding company. The Company, through its subsidiary, Central Pacific Bank, offers commercial banking services such as savings, loans, debit cards, credit cards, and among others.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 21.24
CPF's P/E(ttm) is ranked lower than
76% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CPF: 21.24 )
Ranked among companies with meaningful P/E(ttm) only.
CPF' s P/E(ttm) Range Over the Past 10 Years
Min: 3.21  Med: 14.55 Max: 125.81
Current: 21.24
3.21
125.81
Forward P/E 19.53
CPF's Forward P/E is ranked lower than
84% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CPF: 19.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.24
CPF's PE(NRI) is ranked lower than
76% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CPF: 21.24 )
Ranked among companies with meaningful PE(NRI) only.
CPF' s PE(NRI) Range Over the Past 10 Years
Min: 3.21  Med: 14.55 Max: 126.07
Current: 21.24
3.21
126.07
Price/Owner Earnings (ttm) 2.12
CPF's Price/Owner Earnings (ttm) is ranked higher than
91% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CPF: 2.12 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CPF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.91  Med: 10.24 Max: 23.61
Current: 2.12
0.91
23.61
P/B 1.78
CPF's P/B is ranked lower than
81% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CPF: 1.78 )
Ranked among companies with meaningful P/B only.
CPF' s P/B Range Over the Past 10 Years
Min: 0.08  Med: 1.25 Max: 2.45
Current: 1.78
0.08
2.45
P/S 4.85
CPF's P/S is ranked lower than
74% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CPF: 4.85 )
Ranked among companies with meaningful P/S only.
CPF' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 3.57 Max: 4.88
Current: 4.85
0.1
4.88
PFCF 12.88
CPF's PFCF is ranked lower than
51% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CPF: 12.88 )
Ranked among companies with meaningful PFCF only.
CPF' s PFCF Range Over the Past 10 Years
Min: 0.12  Med: 10.22 Max: 31.44
Current: 12.88
0.12
31.44
POCF 11.91
CPF's POCF is ranked lower than
55% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CPF: 11.91 )
Ranked among companies with meaningful POCF only.
CPF' s POCF Range Over the Past 10 Years
Min: 0.12  Med: 9.38 Max: 27.57
Current: 11.91
0.12
27.57
EV-to-EBIT 15.31
CPF's EV-to-EBIT is ranked lower than
58% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CPF: 15.31 )
Ranked among companies with meaningful EV-to-EBIT only.
CPF' s EV-to-EBIT Range Over the Past 10 Years
Min: -427.5  Med: 12.15 Max: 54
Current: 15.31
-427.5
54
EV-to-EBITDA 12.89
CPF's EV-to-EBITDA is ranked lower than
55% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. CPF: 12.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
CPF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -21.5  Med: 9.9 Max: 179.5
Current: 12.89
-21.5
179.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.94
CPF's Dividend Yield is ranked lower than
65% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CPF: 1.94 )
Ranked among companies with meaningful Dividend Yield only.
CPF' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 2.28 Max: 17.63
Current: 1.94
0.4
17.63
Dividend Payout 0.40
CPF's Dividend Payout is ranked higher than
56% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CPF: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
CPF' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.33 Max: 4.17
Current: 0.4
0.16
4.17
Forward Dividend Yield 2.08
CPF's Forward Dividend Yield is ranked lower than
67% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CPF: 2.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.95
CPF's Yield on cost (5-Year) is ranked lower than
74% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CPF: 1.95 )
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: 2.28 Max: 17.63
Current: 1.95
0.4
17.63
3-Year Average Share Buyback Ratio 9.20
CPF's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CPF: 9.20 )
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: -176.3  Med: 0.5 Max: 9.2
Current: 9.2
-176.3
9.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.91
CPF's Price/Tangible Book is ranked lower than
76% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CPF: 1.91 )
Ranked among companies with meaningful Price/Tangible Book only.
CPF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 1.54 Max: 3.59
Current: 1.91
0.37
3.59
Price/Projected FCF 0.90
CPF's Price/Projected FCF is ranked lower than
62% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CPF: 0.90 )
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: 1.19
Current: 0.9
0.02
1.19
Price/Median PS Value 1.38
CPF's Price/Median PS Value is ranked lower than
71% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CPF: 1.38 )
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: 0.89 Max: 1.38
Current: 1.38
0.05
1.38
Price/Peter Lynch Fair Value 1.66
CPF's Price/Peter Lynch Fair Value is ranked lower than
70% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CPF: 1.66 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CPF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.46  Med: 0.89 Max: 2.06
Current: 1.66
0.46
2.06
Price/Graham Number 1.35
CPF's Price/Graham Number is ranked lower than
75% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CPF: 1.35 )
Ranked among companies with meaningful Price/Graham Number only.
CPF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 1.02 Max: 2.52
Current: 1.35
0.43
2.52
Earnings Yield (Greenblatt) (%) 6.45
CPF's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CPF: 6.45 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.3 Max: 10.4
Current: 6.45
1.9
10.4
Forward Rate of Return (Yacktman) (%) 18.33
CPF's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CPF: 18.33 )
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: 172.7 Max: 690.3
Current: 18.33
-2.9
690.3

More Statistics

Revenue (TTM) (Mil) $199.1
EPS (TTM) $ 1.45
Beta1.15
Short Percentage of Float2.17%
52-Week Range $18.47 - 30.86
Shares Outstanding (Mil)30.83

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.47 1.58 1.72
EPS w/o NRI ($) 1.47 1.58 1.72
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CPF

Headlines

Articles On GuruFocus.com
Read Financial Results for 30 Years Instead of 10 Nov 07 2016 
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 

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Central Pacific Financial posts 3Q profit Oct 27 2016
Central Pacific Financial posts 3Q profit Oct 27 2016
Central Pacific Financial Corp. Reports $11.5 Million Third Quarter Earnings Oct 27 2016
Central Pacific Financial Corp. Reports $11.5 Million Third Quarter Earnings Oct 27 2016
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