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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.28
NYSE:CPF's Cash to Debt is ranked lower than
82% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NYSE:CPF: 0.28 )
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: 0.43 Max: 2.04
Current: 0.28
0.06
2.04
Equity to Asset 0.10
NYSE:CPF's Equity to Asset is ranked higher than
51% of the 1610 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 9.43
NYSE:CPF's Interest Coverage is ranked higher than
88% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NYSE:CPF: 9.43 )
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: 9.43
0.2
11.21
F-Score: 6
M-Score: -2.43
WACC vs ROIC
9.09%
7.12%
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 (%) 36.79
NYSE:CPF's Operating margin (%) is ranked higher than
64% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NYSE:CPF: 36.79 )
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: 36.79
-143.89
47.44
Net-margin (%) 23.66
NYSE:CPF's Net-margin (%) is ranked higher than
55% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NYSE:CPF: 23.66 )
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: 23.66
-142.84
91.5
ROE (%) 9.24
NYSE:CPF's ROE (%) is ranked higher than
57% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NYSE:CPF: 9.24 )
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: 9.24
-129.04
46.11
ROA (%) 0.91
NYSE:CPF's ROA (%) is ranked higher than
52% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NYSE:CPF: 0.91 )
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: 0.91
-6.09
3.78
Revenue Growth (3Y)(%) 10.40
NYSE:CPF's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 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 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 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
50% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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 (Next Earnings Date: Est. 2016-10-16)


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

» Details

Guru Trades

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

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
» Details

Insider Trades

Latest Guru Trades with CPF

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:NFBK, NAS:IBTX, NAS:CHCO, NAS:PPBI, NAS:SYBT, NAS:SASR, NAS:CFNL, NAS:STBZ, NAS:WIBC, NAS:BRKL, NAS:SBSI, NAS:ORIT, NAS:HAFC, NAS:WASH, NAS:CSFL, NYSE:CUBI, NYSE:NBHC, NAS:HTLF, NAS:TRST, NAS:BUSE » 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) 16.93
CPF's P/E(ttm) is ranked lower than
69% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. CPF: 16.93 )
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: 16.93
3.21
125.81
Forward P/E 15.72
CPF's Forward P/E is ranked lower than
85% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. CPF: 15.72 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.93
CPF's PE(NRI) is ranked lower than
69% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. CPF: 16.93 )
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: 16.93
3.21
126.07
Price/Owner Earnings (ttm) 1.72
CPF's Price/Owner Earnings (ttm) is ranked higher than
92% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. CPF: 1.72 )
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: 10.36 Max: 23.61
Current: 1.72
0.91
23.61
P/B 1.49
CPF's P/B is ranked lower than
77% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CPF: 1.49 )
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: 1.49
0.08
2.45
P/S 4.02
CPF's P/S is ranked lower than
71% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CPF: 4.02 )
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: 4.02
0.1
4.88
PFCF 8.61
CPF's PFCF is ranked higher than
59% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. CPF: 8.61 )
Ranked among companies with meaningful PFCF only.
CPF' s PFCF Range Over the Past 10 Years
Min: 0.12  Med: 9.93 Max: 31.44
Current: 8.61
0.12
31.44
POCF 8.02
CPF's POCF is ranked higher than
56% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. CPF: 8.02 )
Ranked among companies with meaningful POCF only.
CPF' s POCF Range Over the Past 10 Years
Min: 0.12  Med: 9.3 Max: 221.29
Current: 8.02
0.12
221.29
EV-to-EBIT 13.76
CPF's EV-to-EBIT is ranked lower than
55% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. CPF: 13.76 )
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: 13.76
-427.5
54
EV-to-EBITDA 11.57
CPF's EV-to-EBITDA is ranked lower than
52% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. CPF: 11.57 )
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: 11.57
-21.5
179.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.37
CPF's Dividend Yield is ranked lower than
62% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CPF: 2.37 )
Ranked among companies with meaningful Dividend Yield only.
CPF' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 2.27 Max: 17.63
Current: 2.37
0.4
17.63
Dividend Payout 0.37
CPF's Dividend Payout is ranked higher than
62% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CPF: 0.37 )
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: 0.37
0.16
4.17
Forward Dividend Yield 2.60
CPF's Forward Dividend Yield is ranked lower than
62% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. CPF: 2.60 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.37
CPF's Yield on cost (5-Year) is ranked lower than
67% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CPF: 2.37 )
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: 2.27 Max: 17.63
Current: 2.37
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 1052 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 1.55
CPF's Price/Tangible Book is ranked lower than
71% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CPF: 1.55 )
Ranked among companies with meaningful Price/Tangible Book only.
CPF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 1.53 Max: 3.59
Current: 1.55
0.37
3.59
Price/Projected FCF 0.68
CPF's Price/Projected FCF is ranked lower than
51% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CPF: 0.68 )
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: 0.68
0.02
1.19
Price/Median PS Value 1.12
CPF's Price/Median PS Value is ranked lower than
65% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CPF: 1.12 )
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: 0.88 Max: 1.32
Current: 1.12
0.05
1.32
Price/Graham Number 1.08
CPF's Price/Graham Number is ranked lower than
70% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CPF: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
CPF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 1.01 Max: 2.52
Current: 1.08
0.43
2.52
Earnings Yield (Greenblatt) (%) 7.23
CPF's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CPF: 7.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CPF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.2 Max: 10.4
Current: 7.23
1.9
10.4
Forward Rate of Return (Yacktman) (%) 95.66
CPF's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CPF: 95.66 )
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: 173 Max: 690.3
Current: 95.66
-2.9
690.3

More Statistics

Revenue (TTM) (Mil) $196.3
EPS (TTM) $ 1.46
Beta1.15
Short Percentage of Float2.16%
52-Week Range $18.47 - 25.99
Shares Outstanding (Mil)30.99

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.47 1.57 1.61
EPS w/o NRI ($) 1.47 1.57 1.61
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NYSE: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. breached its 50 day moving average in a Bearish Manner : CPF-US :... Sep 27 2016
Central Pacific Financial Corp. breached its 50 day moving average in a Bearish Manner : CPF-US :... Sep 15 2016
Central Pacific Bank Promotes Arnold Martines and Scott Nahme Sep 07 2016
Central Pacific Financial Corp. To Present At The Raymond James Investor Conference Sep 01 2016
Central Pacific Financial Corp. To Present At The Raymond James Investor Conference Sep 01 2016
ETF’s with exposure to Central Pacific Financial Corp. : September 1, 2016 Sep 01 2016
Central Pacific Financial Corp. :CPF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 12,... Aug 12 2016
CENTRAL PACIFIC FINANCIAL CORP Financials Aug 11 2016
Coverage initiated on Central Pacific Financial by Compass Point Aug 11 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 03 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Aug 01 2016
Central Pacific Financial Corp. Reports $12.1 Million Second Quarter Earnings and Increases... Jul 28 2016
Central Pacific Financial posts 2Q profit Jul 28 2016
Central Pacific Financial posts 2Q profit Jul 28 2016
Central Pacific Financial Corp. Reports $12.1 Million Second Quarter Earnings And Increases... Jul 28 2016
Central Pacific Financial Corp. Reports $12.1 Million Second Quarter Earnings And Increases... Jul 28 2016
Q2 2016 Central Pacific Financial Corp Earnings Release - Before Market Open Jul 28 2016
CENTRAL PACIFIC FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 28 2016
Central Pacific Financial Corp. To Present At The Keefe, Bruyette & Woods Community Bank Investor... Jul 22 2016
Central Pacific Financial Corp. To Present At The Keefe, Bruyette & Woods Community Bank Investor... Jul 22 2016

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