5.14%
1.34%
9.28%
12.84%
52.78%
1.17%
6.17%
AI Spotlight on CPF
Company Description
Central Pacific Financial Corp.operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States.It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit.
The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals.It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services.In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services.
As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii.The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
Market Data
| Last Price | 29.44 |
| Change Percentage | 5.14% |
| Open | 28.33 |
| Previous Close | 28 |
| Market Cap ( Millions) | 797 |
| Volume | 378780 |
| Year High | 33.25 |
| Year Low | 18 |
| M A 50 | 29.63 |
| M A 200 | 25.75 |
Financial Ratios
| FCF Yield | 9.82% |
| Dividend Yield | 3.53% |
| ROE | 10.98% |
| Debt / Equity | 34.96% |
| Net Debt / EBIDTA | -330.49% |
| Price To Book | 1.47 |
| Price Earnings Ratio | 13.99 |
| Price To FCF | 10.19 |
| Price To sales | 2.63 |
| EV / EBITDA | 15.99 |
News
- Jan -29 - Central Pacific Financial Corp. (CPF) Q4 2024 Earnings Call Transcript
- Jan -29 - Central Pacific Financial (CPF) Reports Q4 Earnings: What Key Metrics Have to Say
- Jan -29 - Central Pacific Financial (CPF) Surpasses Q4 Earnings Estimates
- Jan -29 - Central Pacific Financial Reports Fourth Quarter and Full Year 2024 Earnings
- Jan -28 - Local Business Leader Dr. Diane Paloma Named to the Central Pacific Financial Corp. and Central Pacific Bank Board of Directors
- Jan -15 - Central Pacific Financial Corp. Announces Conference Call to Discuss Fourth Quarter 2024 Financial Results
- Oct -30 - Central Pacific Financial Corp. (CPF) Q3 2024 Earnings Call Transcript
- Oct -30 - Here's What Key Metrics Tell Us About Central Pacific Financial (CPF) Q3 Earnings
- Oct -30 - Central Pacific Financial (CPF) Q3 Earnings and Revenues Top Estimates
- Oct -30 - Central Pacific Financial Reports Third Quarter 2024 Earnings
- Oct -16 - Central Pacific Financial Corp. Announces Conference Call to Discuss Third Quarter 2024 Financial Results
- Oct -01 - Central Pacific Financial (CPF) Surges 6.2%: Is This an Indication of Further Gains?
- Aug -06 - Central Pacific Bank Selects ARGO's Suite of Retail Banking Software
- Jul -31 - Central Pacific Financial Corp. (CPF) Q2 2024 Earnings Call Transcript
- Jul -31 - Compared to Estimates, Central Pacific Financial (CPF) Q2 Earnings: A Look at Key Metrics
- Jul -31 - Central Pacific Financial (CPF) Beats Q2 Earnings and Revenue Estimates
- Jul -17 - Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2024 Financial Results
- Jun -13 - Best Income Stocks to Buy for June 13th
- Jun -13 - Best Value Stocks to Buy for June 13th
- Jun -04 - Central Pacific Financial (CPF) Upgraded to Strong Buy: Here's What You Should Know
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 4.77 %
What the company do ?
Central Pacific Financial Corp's Banking and Related Activities segment provides commercial and consumer banking services, including deposit products, lending, and cash management.
Why we expect these perspectives ?
Central Pacific Financial Corp.'s 4.77% growth in Banking and Related Activities is driven by increased loan demand, improved asset quality, and expanded deposit base. Additionally, strategic cost management, enhanced digital banking capabilities, and a favorable interest rate environment have contributed to the segment's growth.
Central Pacific Financial Corp. Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages. |
| Commercial Banking | Offers financial solutions for businesses, including cash management, commercial lending, and treasury management services. |
| Wealth Management | Provides investment and wealth management services, including brokerage, trust, and investment advisory services. |
| Mortgage Banking | Originates, sells, and services residential mortgage loans, as well as offers home equity loans and lines of credit. |
| Treasury Management | Provides cash management and treasury services, including account management, payment processing, and risk management solutions. |
Central Pacific Financial Corp.'s Porter Forces
Threat Of Substitutes
Central Pacific Financial Corp. operates in a highly competitive market, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.
Bargaining Power Of Customers
Central Pacific Financial Corp. has a large customer base, but the bargaining power of customers is high due to the availability of alternative financial services.
Bargaining Power Of Suppliers
Central Pacific Financial Corp. has a diversified supplier base, which reduces the bargaining power of suppliers.
Threat Of New Entrants
The threat of new entrants is moderate due to the regulatory barriers and capital requirements in the financial services industry.
Intensity Of Rivalry
The financial services industry is highly competitive, and Central Pacific Financial Corp. faces intense rivalry from established players and new entrants.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 24.02% |
| Debt Cost | 6.85% |
| Equity Weight | 75.98% |
| Equity Cost | 9.52% |
| WACC | 8.88% |
| Leverage | 31.61% |
Central Pacific Financial Corp. : Quality Control
Central Pacific Financial Corp. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| HOPE | Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company … |
| PEBK | Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to … |
| NRIM | Northrim BanCorp, Inc. operates as the bank holding company for Northrim Bank that provides commercial banking products and services to businesses and professional individuals. It operates in two segments, Community … |
| FUNC | First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers … |
| STBA | S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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First United
A-Score
1-Year Total Return ->
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Central Pacific Financial
A-Score
1-Year Total Return ->
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S&T Bancorp
A-Score
1-Year Total Return ->
4
Northrim Bank
A-Score
1-Year Total Return ->
5
Hope Bancorp
A-Score
1-Year Total Return ->
6
