Central Pacific Financial Corp - Understand $cpf stock

$CPF Market Cap: $836.3 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$36.10M

TTM

Gross Margin

Net Earnings

$56.93M

TTM

Current Assets

Current Liabilities

$46.79M

Q3 2024

Current Ratio

Total Assets

$7.415B

Q3 2024

Total Liabilities

$6.872B

Q3 2024

Book Value

$543.7M

Q3 2024

Cash

$326.6M

Q3 2024

P/E

14.69

Nov 14, 2024 EST

Free Cash Flow

$70.56M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Revenue	$46.66M	$30.40M	$218.8M	$212.4M	$216.4M	$198.3M	$182.6M	$167.1M	$156.0M	$149.8M	$140.3M	$128.4M	$136.5M	$160.8M
YoY Change	53.48%	-86.1%	2.99%	-1.83%	9.12%	8.62%	9.23%	7.12%	4.16%	6.79%	9.21%	-5.87%	-15.12%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$46.66M	$30.40M	$218.8M	$212.4M	$216.4M	$198.3M	$182.6M	$167.1M	$156.0M	$149.8M	$140.3M	$128.4M	$136.5M	$160.8M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$7.648M	$8.160M	$10.50M	$12.40M	$8.600M	$10.20M	$11.40M	$13.70M	$12.80M	$11.10M	$13.40M	$16.60M	$13.70M	$14.80M	$14.50M	$16.50M	$12.20M	$12.70M	$14.70M	$4.600M	$4.000M	$4.200M	$3.500M	$2.700M	$2.800M	$3.000M	$3.000M	$2.700M	$2.600M	$2.400M	$2.200M	$2.000M	$1.800M	$1.300M	$1.000M	$800.0K	$800.0K	$600.0K
YoY Change	-6.27%	-22.29%	-15.32%	44.19%	-15.69%	-10.53%	-16.79%	7.03%	15.32%	-17.16%	-19.28%	21.17%	-7.43%	2.07%	-12.12%	35.25%	-3.94%	-13.61%	219.57%	15.0%	-4.76%	20.0%	29.63%	-3.57%	-6.67%	0.0%	11.11%	3.85%	8.33%	9.09%	10.0%	11.11%	38.46%	30.0%	25.0%	0.0%	33.33%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$72.66M	$17.09M	$7.715M	$14.74M	$32.31M	$25.30M	$14.86M	$9.189M	$6.507M	$6.391M	$7.169M	$8.734M	$18.63M	$42.10M
YoY Change	325.07%	121.56%	-47.64%	-54.39%	27.72%	70.24%	61.7%	41.22%	1.82%	-10.85%	-17.92%	-53.12%	-55.75%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Pretax Income	$76.82M	$98.77M	$105.7M	$49.03M	$77.93M	$78.24M	$75.80M	$73.27M	$72.96M	$60.84M	$59.83M	$47.42M	$36.57M	-$251.0M	-$333.7M	-$187.7M	$28.10M	$120.5M	$109.0M	$54.00M	$49.60M	$48.20M	$38.90M	$30.00M	$24.40M	$24.00M	$24.30M	$23.30M	$22.80M	$22.30M	$25.80M	$23.70M	$20.30M	$18.20M	$14.30M	$10.90M	$7.700M	$5.800M	$3.500M	$2.800M
YoY Change	-22.22%	-6.51%	115.47%	-37.08%	-0.41%	3.22%	3.46%	0.42%	19.91%	1.69%	26.16%	29.67%	-114.57%	-24.8%	77.78%	-767.97%	-76.68%	10.55%	101.85%	8.87%	2.9%	23.91%	29.67%	22.95%	1.67%	-1.23%	4.29%	2.19%	2.24%	-13.57%	8.86%	16.75%	11.54%	27.27%	31.19%	41.56%	32.76%	65.71%	25.0%	47.37%
Income Tax	$18.15M	$24.84M	$25.76M	$11.76M	$19.61M	$18.76M	$34.60M	$26.27M	$27.09M	$20.39M	-$112.2M	$0.00	$0.00	$0.00	-$20.00M	-$49.30M	$22.30M	$41.30M	$36.50M	$16.60M	$15.70M	$15.00M	$10.20M	$10.60M	$8.100M	$9.000M	$9.400M	$9.200M	$9.000M	$8.800M	$10.00M	$9.100M	$7.600M	$6.700M	$4.900M	$3.700M	$2.400M	$1.800M	$700.0K	$500.0K
% Of Pretax Income	23.63%	25.15%	24.38%	23.98%	25.16%	23.97%	45.64%	35.86%	37.13%	33.51%	-187.62%	0.0%	0.0%				79.36%	34.27%	33.49%	30.74%	31.65%	31.12%	26.22%	35.33%	33.2%	37.5%	38.68%	39.48%	39.47%	39.46%	38.76%	38.4%	37.44%	36.81%	34.27%	33.94%	31.17%	31.03%	20.0%	17.86%
Net Earnings	$58.67M	$73.93M	$79.89M	$37.27M	$58.32M	$59.49M	$41.20M	$46.99M	$45.87M	$40.45M	$172.1M	$47.42M	$36.57M	-$251.0M	-$313.7M	-$138.4M	$5.800M	$79.20M	$72.50M	$37.40M	$33.90M	$33.30M	$28.70M	$19.40M	$16.30M	$15.10M	$15.00M	$14.10M	$13.80M	$13.50M	$15.90M	$14.60M	$12.70M	$11.50M	$9.400M	$7.300M	$5.200M	$6.300M	$2.700M	$2.500M
YoY Change	-20.64%	-7.47%	114.35%	-36.09%	-1.96%	44.37%	-12.32%	2.45%	13.39%	-76.49%	262.87%	29.67%	-114.57%	-20.0%	126.66%	-2486.21%	-92.68%	9.24%	93.85%	10.32%	1.8%	16.03%	47.94%	19.02%	7.95%	0.67%	6.38%	2.17%	2.22%	-15.09%	8.9%	14.96%	10.43%	22.34%	28.77%	40.38%	-17.46%	133.33%	8.0%	47.06%
Net Earnings / Revenue	125.73%	243.16%	36.52%	17.55%	26.95%	30.0%	22.57%	28.12%	29.4%	27.0%	122.67%	36.92%	26.8%	-156.11%
Basic Earnings Per Share	$2.17	$2.70	$2.85	$1.33	$2.05	$2.02	$1.36	$1.52	$1.42	$1.08	$4.10	$1.14	$3.36	-$171.10
Diluted Earnings Per Share	$2.17	$2.682M	$2.83	$1.32	$2.03	$2.01	$1.34	$1.50	$1.40	$1.07	$4.07	$1.13	$3.31	-$171.10	-$209.1M	-$98.86M	$3.867M	$52.80M	$48.33M	$37.40M	$42.37M	$41.62M	$35.88M	$21.56M	$16.30M	$15.10M	$13.64M	$12.82M	$12.55M	$13.50M	$15.90M	$14.60M	$12.70M	$11.50M	$10.44M	$9.125M	$6.500M	$9.000M	$3.857M	$4.167M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$125.9M	$126.6M	$119.8M	$111.1M	$98.70M	$45.30M	$48.30M	$48.30M	$49.20M	$49.20M	$49.00M	$48.80M	$51.40M	$57.40M	$75.20M	$81.10M	$82.80M	$77.30M	$72.60M	$77.10M	$56.10M	$57.70M	$60.60M	$23.30M	$24.80M	$26.80M	$26.70M	$25.10M	$25.50M	$24.20M	$23.30M	$22.90M	$23.70M	$15.40M	$14.70M	$10.30M	$9.900M	$10.20M	$8.800M	$4.200M
YoY Change	-0.56%	5.69%	7.83%	12.56%	117.88%	-6.21%	0.0%	-1.83%	0.0%	0.41%	0.41%	-5.06%	-10.45%	-23.67%	-7.27%	-2.05%	7.12%	6.47%	-5.84%	37.43%	-2.77%	-4.79%	160.09%	-6.05%	-7.46%	0.37%	6.37%	-1.57%	5.37%	3.86%	1.75%	-3.38%	53.9%	4.76%	42.72%	4.04%	-2.94%	15.91%	109.52%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$41.55M	$46.64M	$29.70M	$30.00M	$17.10M	$14.00M	$7.100M	$6.900M	$6.200M	$7.200M	$9.100M	$11.00M	$12.70M	$14.90M	$17.40M	$15.50M	$17.40M	$13.00M	$12.40M	$11.50M	$2.200M	$3.200M	$1.300M	$8.900M	$8.500M	$8.000M	$7.600M	$6.900M	$6.200M
YoY Change	-10.92%	57.04%	-1.0%	75.44%	22.14%	97.18%	2.9%	11.29%	-13.89%	-20.88%	-17.27%	-13.39%	-14.77%	-14.37%	12.26%	-10.92%	33.85%	4.84%	7.83%	422.73%	-31.25%	146.15%	-85.39%	4.71%	6.25%	5.26%	10.14%	11.29%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$7.643B	$7.433B	$7.419B	$6.595B	$6.013B	$5.807B	$5.624B	$5.384B	$5.131B	$4.853B	$4.741B	$4.370B	$4.133B	$3.938B	$4.870B	$5.432B	$5.680B	$5.487B	$5.239B	$4.652B	$2.170B	$2.028B	$1.836B	$1.817B	$1.647B	$1.561B	$1.497B	$1.403B	$1.372B	$1.382B	$1.303B	$1.254B	$1.135B	$1.037B	$925.3M	$771.9M	$660.4M	$605.5M	$526.8M	$483.5M
YoY Change
Accounts Payable	$18.95M
YoY Change
Accrued Expenses	$30.63M	$35.89M	$40.70M	$47.20M	$52.60M																						$18.20M	$16.20M	$15.00M	$14.90M	$13.30M	$12.70M	$13.90M	$12.10M	$10.80M	$9.500M	$8.900M	$11.20M	$8.200M	$7.400M
YoY Change	-14.64%	-11.82%	-13.77%	-10.27%																							12.35%	8.0%	0.67%	12.03%	4.72%	-8.63%	14.88%	12.04%	13.68%	6.74%	-20.54%	36.59%	10.81%
Deferred Revenue
YoY Change
Short-Term Debt												$0.00	$0.00	$202.5M	$239.7M	$1.000M	$38.00M	$26.00M	$26.00M	$113.9M	$3.500M	$29.00M	$13.90M	$56.70M	$79.00M	$2.000M	$6.200M	$5.400M	$3.500M	$161.7M	$96.00M	$62.70M	$36.00M	$11.10M	$37.20M	$15.80M	$1.200M	$600.0K	$500.0K	$900.0K
YoY Change													-100.0%	-15.52%	23870.0%	-97.37%	46.15%	0.0%	-77.17%	3154.29%	-87.93%	108.63%	-75.49%	-28.23%	3850.0%	-67.74%	14.81%	54.29%	-97.84%	68.44%	53.11%	74.17%	224.32%	-70.16%	135.44%	1216.67%	100.0%	20.0%	-44.44%
Long-Term Debt Due	$0.00
YoY Change
Total Short-Term Liabilities	$30.63M	$35.89M	$40.70M	$47.20M	$52.60M									$202.5M	$239.7M	$1.000M	$38.00M	$26.00M	$26.00M	$113.9M	$3.500M	$29.00M	$13.90M	$56.70M	$79.00M	$2.000M	$18.20M	$16.20M	$15.00M	$14.90M	$13.30M	$12.70M	$13.90M	$12.10M	$10.80M	$9.500M	$8.900M	$11.20M	$8.200M	$7.400M
YoY Change	-14.64%	-11.82%	-13.77%	-10.27%										-15.52%	23870.0%	-97.37%	46.15%	0.0%	-77.17%	3154.29%	-87.93%	108.63%	-75.49%	-28.23%	3850.0%	-89.01%	12.35%	8.0%	0.67%	12.03%	4.72%	-8.63%	14.88%	12.04%	13.68%	6.74%	-20.54%	36.59%	10.81%
Long-Term Debt	$156.1M	$105.9M	$105.6M	$105.4M	$51.50M	$72.20M	$92.80M	$92.80M	$92.80M	$92.80M	$92.80M	$108.2M	$108.2M	$108.2M	$108.2M	$108.2M	$108.2M	$108.2M	$108.2M	$108.2M	$55.00M	$0.00	$175.6M	$221.0M	$98.30M	$118.3M	$127.7M	$115.8M	$81.10M	$0.00	$0.00	$0.00	$200.0K	$400.0K	$600.0K	$4.300M	$4.900M	$5.600M	$5.200M	$5.800M
YoY Change	47.46%	0.25%	0.19%	104.66%	-28.67%	-22.2%	0.0%	0.0%	0.0%	0.0%	-14.23%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	96.73%		-100.0%	-20.54%	124.82%	-16.91%	-7.36%	10.28%	42.79%				-100.0%	-50.0%	-33.33%	-86.05%	-12.24%	-12.5%	7.69%	-10.34%
Other Long-Term Liabilities	$104.7M	$96.92M	$75.30M	$77.20M	$60.00M	$49.60M	$42.50M	$43.60M	$41.40M	$43.90M	$44.00M	$66.50M	$64.60M	$66.80M	$54.30M	$55.70M	$58.10M	$71.90M	$75.00M	$67.40M	$24.60M	$27.40M	$38.10M	$32.80M	$19.50M	$23.40M
YoY Change	7.98%	28.71%	-2.46%	28.67%	20.97%	16.71%	-2.52%	5.31%	-5.69%	-0.23%	-33.83%	2.94%	-3.29%	23.02%	-2.51%	-4.13%	-19.19%	-4.13%	11.28%	173.98%	-10.22%	-28.08%	16.16%	68.21%	-16.67%
Total Long-Term Liabilities	$260.8M	$202.8M	$180.9M	$182.6M	$111.5M	$121.8M	$135.3M	$136.4M	$134.2M	$136.7M	$136.8M	$174.7M	$172.8M	$175.0M	$162.5M	$163.9M	$166.3M	$180.1M	$183.2M	$175.6M	$79.60M	$27.40M	$213.7M	$253.8M	$117.8M	$141.7M	$127.7M	$115.8M	$81.10M	$0.00	$0.00	$0.00	$200.0K	$400.0K	$600.0K	$4.300M	$4.900M	$5.600M	$5.200M	$5.800M
YoY Change	28.59%	12.1%	-0.93%	63.77%	-8.46%	-9.98%	-0.81%	1.64%	-1.83%	-0.07%	-21.69%	1.1%	-1.26%	7.69%	-0.85%	-1.44%	-7.66%	-1.69%	4.33%	120.6%	190.51%	-87.18%	-15.8%	115.45%	-16.87%	10.96%	10.28%	42.79%				-100.0%	-50.0%	-33.33%	-86.05%	-12.24%	-12.5%	7.69%	-10.34%
Total Liabilities	$7.139B	$6.980B	$6.861B	$6.048B	$5.484B	$5.315B	$5.124B	$4.880B	$4.637B	$4.285B	$4.081B	$3.866B	$3.676B	$3.872B	$4.534B	$4.906B	$5.006B	$4.749B	$4.563B	$4.084B	$1.976B	$1.855B	$1.689B	$1.674B	$1.502B	$1.413B	$1.345B	$1.262B	$1.239B	$1.260B	$1.190B	$1.153B	$1.045B	$957.7M	$855.2M	$727.1M	$622.6M	$571.7M	$498.7M	$457.1M
YoY Change	2.28%	1.73%	13.44%	10.28%	3.18%	3.74%	5.0%	5.24%	8.21%	4.99%	5.58%	5.14%	-5.05%	-14.59%	-7.59%	-2.0%	5.41%	4.08%	11.73%	106.71%	6.52%	9.84%	0.9%	11.4%	6.34%	5.01%	6.58%	1.85%	-1.67%	5.92%	3.21%	10.34%	9.11%	11.99%	17.62%	16.78%	8.9%	14.64%	9.1%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	27.03M shares	27.40M shares	28.00M shares	28.07M shares	28.50M shares	29.41M shares	30.40M shares	31.01M shares	32.24M shares	37.37M shares	41.96M shares	41.72M shares	35.89M shares	1.516M shares
Diluted Shares Outstanding	27.08M shares	27.57M shares	28.26M shares	28.18M shares	28.68M shares	29.61M shares	30.64M shares	31.22M shares	32.65M shares	37.94M shares	42.32M shares	42.08M shares	36.34M shares	1.516M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $836.29 Million

About Central Pacific Financial Corp

Central Pacific Financial Corp. is a bank holding company, which engages in the provision of commercial banking services through its wholly owned subsidiary Central Pacific Bank. The company is headquartered in Honolulu, Hawaii and currently employs 696 full-time employees. The Bank is engaged in offering traditional deposit and lending products and services to consumer and business customers, such as accepting demand, money market, savings and time deposits, originating loans, including commercial loans, construction loans, commercial real estate loans, residential mortgage loans, and consumer loans and fiduciary and investment management services. Its investment securities portfolio includes mortgage-backed securities (MBS), other debt securities and equity securities. Its MBS portfolio comprises residential MBS issued by United States government entities and agencies. The company offers wealth management products and services, such as non-deposit investment products, annuities, investment management, asset custody and general consultation and planning services. The Bank has over 27 bank branches and 58 ATMs located throughout the State of Hawaii.

Industry: State Commercial Banks Peers: Atlantic Capital Bancshares, Inc. CAMBRIDGE BANCORP Camden National Corp First Financial Corp Flushing Financial Corp HomeStreet Inc Midland States Bancorp Inc Old Second Bancorp Inc Peapack-Gladstone Financial Corp PNC Financial Services Group Inc