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Central Pacific Financial (CPF) Financials

Central Pacific Financial logo
$26.68 -0.72 (-2.62%)
Closing price 03:59 PM Eastern
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$26.72 +0.04 (+0.15%)
As of 04:04 PM Eastern
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Annual Income Statements for Central Pacific Financial

Annual Income Statements for Central Pacific Financial

This table shows Central Pacific Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 53 59 74
Consolidated Net Income / (Loss)		 53 59 74
Net Income / (Loss) Continuing Operations		 53 59 74
Total Pre-Tax Income 		68 77 99
Total Revenue		 250 257 263
Net Interest Income / (Expense)		 212 210 216
Total Interest Income		 306 283 233
Loans and Leases Interest Income		 259 244 201
Investment Securities Interest Income		 36 32 31
Deposits and Money Market Investments Interest Income		 12 7.16 0.74
Total Interest Expense		 94 73 17
Deposits Interest Expense		 85 63 11
Short-Term Borrowings Interest Expense		 0.00 1.14 1.06
Long-Term Debt Interest Expense		 9.08 8.63 4.93
Total Non-Interest Income		 39 47 48
Service Charges on Deposit Accounts		 8.66 8.75 8.20
Other Service Charges		 24 28 21
Net Realized & Unrealized Capital Gains on Investments		 -9.93 -2.07 8.51
Other Non-Interest Income		 16 12 10
Provision for Credit Losses		 9.83 16 -1.27
Total Non-Interest Expense		 173 164 166
Salaries and Employee Benefits		 86 82 89
Net Occupancy & Equipment Expense		 22 22 21
Marketing Expense		 3.62 3.89 4.15
Other Operating Expenses		 61 56 52
Income Tax Expense		 15 18 25
Basic Earnings per Share		 $1.97 $2.17 $2.70
Weighted Average Basic Shares Outstanding		 27.07M 27.05M 26.97M
Diluted Earnings per Share		 $1.97 $2.17 $2.68
Weighted Average Diluted Shares Outstanding		 27.07M 27.05M 26.97M
Weighted Average Basic & Diluted Shares Outstanding		 27.07M 27.05M 26.97M
Cash Dividends to Common per Share		 $1.04 $1.04 $1.04

Quarterly Income Statements for Central Pacific Financial

This table shows Central Pacific Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 18 11 13 16 13 15 13 14 16 20 17
Consolidated Net Income / (Loss)		 18 11 13 16 13 15 13 14 16 20 17
Net Income / (Loss) Continuing Operations		 18 11 13 16 13 15 13 14 16 20 17
Total Pre-Tax Income 		23 13 17 21 17 19 17 19 21 27 23
Total Revenue		 69 58 67 64 61 66 62 63 65 68 65
Net Interest Income / (Expense)		 58 56 54 52 50 51 52 53 54 56 55
Total Interest Income		 77 78 78 76 74 74 72 69 67 65 60
Loans and Leases Interest Income		 64 66 66 65 63 63 62 61 58 57 52
Investment Securities Interest Income		 11 9.35 9.53 9.06 7.87 7.98 7.73 7.87 8.13 7.88 7.74
Deposits and Money Market Investments Interest Income		 2.25 3.00 2.78 2.20 3.61 3.60 2.41 0.88 0.28 0.37 0.11
Total Interest Expense		 20 22 24 24 24 23 20 17 13 8.75 4.30
Deposits Interest Expense		 17 20 22 22 22 21 18 14 10 6.88 2.36
Long-Term Debt Interest Expense		 2.09 2.23 2.29 2.28 2.28 2.30 2.29 2.20 1.84 1.48 1.28
Total Non-Interest Income		 11 2.62 13 12 11 15 10 10 11 12 9.63
Service Charges on Deposit Accounts		 2.15 2.25 2.17 2.14 2.10 2.31 2.19 2.14 2.11 2.17 2.14
Other Service Charges		 6.23 6.00 6.40 6.26 5.57 11 5.61 5.36 5.76 4.38 5.33
Other Non-Interest Income		 2.72 4.31 4.17 3.72 3.57 3.90 2.38 2.94 3.14 5.05 2.16
Provision for Credit Losses		 4.17 0.82 2.83 2.24 3.94 4.65 4.87 4.32 1.85 0.57 0.36
Total Non-Interest Expense		 42 44 47 41 41 43 40 40 42 40 42
Salaries and Employee Benefits		 22 22 22 21 21 20 19 21 22 23 23
Net Occupancy & Equipment Expense		 5.47 5.10 5.58 5.59 5.61 5.64 5.84 5.24 5.42 4.99 5.83
Marketing Expense		 0.89 0.91 0.89 0.90 0.91 1.05 0.97 0.94 0.93 0.70 1.15
Other Operating Expenses		 14 17 18 13 13 16 14 13 14 12 12
Income Tax Expense		 4.79 2.06 3.76 4.84 3.97 4.27 4.35 4.47 5.06 6.70 5.92
Basic Earnings per Share		 $0.66 $0.42 $0.49 $0.58 $0.48 $0.54 $0.49 $0.54 $0.60 $0.75 $0.61
Weighted Average Basic Shares Outstanding		 27.09M 27.07M 27.06M 27.05M 27.05M 27.05M 27.04M 27.02M 27.00M 26.97M 27.36M
Diluted Earnings per Share		 $0.65 $0.42 $0.49 $0.58 $0.48 $0.55 $0.49 $0.53 $0.60 $0.73 $0.61
Weighted Average Diluted Shares Outstanding		 27.21M 27.07M 27.19M 27.12M 27.10M 27.05M 27.08M 27.07M 27.12M 26.97M 27.50M
Weighted Average Basic & Diluted Shares Outstanding		 26.98M 27.07M 27.06M 27.06M 27.04M 27.05M 27.04M 27.04M 27.01M 26.97M 27.23M
Cash Dividends to Common per Share		 $0.27 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26

Annual Cash Flow Statements for Central Pacific Financial

This table details how cash moves in and out of Central Pacific Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -141 410 -217
Net Cash From Operating Activities		 91 105 114
Net Cash From Continuing Operating Activities		 91 105 114
Net Income / (Loss) Continuing Operations		 53 59 74
Consolidated Net Income / (Loss)		 53 59 74
Provision For Loan Losses		 9.83 16 -1.27
Depreciation Expense		 6.88 6.94 6.87
Amortization Expense		 4.00 3.75 5.69
Non-Cash Adjustments to Reconcile Net Income		 5.49 -1.03 17
Changes in Operating Assets and Liabilities, net		 11 21 12
Net Cash From Investing Activities		 0.65 180 -384
Net Cash From Continuing Investing Activities		 0.65 180 -384
Purchase of Property, Leasehold Improvements and Equipment		 -15 -13 -18
Purchase of Investment Securities		 -174 44 -567
Sale of Property, Leasehold Improvements and Equipment		 0.00 6.22 0.00
Sale and/or Maturity of Investments		 209 141 213
Other Investing Activities, net		 -19 0.71 -11
Net Cash From Financing Activities		 -233 126 53
Net Cash From Continuing Financing Activities		 -233 126 53
Net Change in Deposits		 -204 111 97
Issuance of Debt		 0.00 50 0.00
Issuance of Common Equity		 0.00 0.00 0.68
Repayment of Debt		 0.00 -5.00 5.00
Repurchase of Common Equity		 -0.95 -2.63 -21
Payment of Dividends		 -28 -28 -29
Cash Interest Paid		 103 58 13
Cash Income Taxes Paid		 -9.21 7.31 5.58

Quarterly Cash Flow Statements for Central Pacific Financial

This table details how cash moves in and out of Central Pacific Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -104 54 28 -14 -210 84 128 112 87 -27 7.57
Net Cash From Operating Activities		 20 26 21 26 17 22 35 30 18 32 34
Net Cash From Continuing Operating Activities		 20 26 21 26 17 22 35 30 18 32 34
Net Income / (Loss) Continuing Operations		 18 11 13 16 13 15 13 14 16 20 17
Consolidated Net Income / (Loss)		 18 11 13 16 13 15 13 14 16 20 17
Provision For Loan Losses		 4.17 0.82 2.83 2.24 3.94 4.65 4.87 4.32 1.85 0.57 0.36
Depreciation Expense		 1.74 1.75 1.68 1.71 1.75 1.74 1.83 1.75 1.63 1.99 1.61
Amortization Expense		 -0.13 1.86 0.67 0.73 0.74 0.83 0.97 0.97 0.99 1.05 1.26
Non-Cash Adjustments to Reconcile Net Income		 6.32 -1.23 12 -6.06 0.97 -5.19 -0.98 -1.50 6.64 61 -4.35
Changes in Operating Assets and Liabilities, net		 -9.42 12 -9.04 12 -3.34 4.85 15 9.99 -9.03 -53 19
Net Cash From Investing Activities		 -42 -26 13 3.49 10 96 31 56 -3.05 -117 -64
Net Cash From Continuing Investing Activities		 -42 -26 13 3.49 10 96 31 56 -3.05 -117 -64
Purchase of Property, Leasehold Improvements and Equipment		 -0.89 -1.51 -5.65 -4.68 -3.25 -1.68 -2.70 -4.45 -3.82 -3.46 -3.16
Purchase of Investment Securities		 -46 -161 3.92 -19 0.82 36 42 -15 -19 -215 -98
Sale and/or Maturity of Investments		 23 137 25 27 20 53 -8.71 75 23 108 41
Other Investing Activities, net		 -18 -0.89 -10 -0.08 -7.84 2.95 -0.36 0.96 -2.84 -5.85 -4.60
Net Cash From Financing Activities		 -82 54 -6.48 -43 -237 -34 62 26 72 58 37
Net Cash From Continuing Financing Activities		 -82 54 -6.48 -43 -237 -34 62 26 72 58 37
Net Change in Deposits		 -48 61 0.56 -36 -229 -27 69 59 11 180 -66
Repayment of Debt		 -25 - - - 0.00 - - -25 20 -110 115
Repurchase of Common Equity		 -2.09 - - - -0.95 - -0.07 -0.36 -2.21 -4.92 -4.87
Payment of Dividends		 -7.33 -7.04 -7.04 -7.04 -7.03 -7.03 -7.03 -7.03 -7.03 -7.04 -7.11
Cash Interest Paid		 21 25 26 26 27 21 15 13 9.66 6.29 3.15

Annual Balance Sheets for Central Pacific Financial

This table presents Central Pacific Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 7,472 7,643 7,433
Cash and Due from Banks		 78 116 97
Interest Bearing Deposits at Other Banks		 303 406 15
Trading Account Securities		 1,340 1,281 1,338
Loans and Leases, Net of Allowance		 5,274 5,375 5,492
Loans and Leases		 5,333 5,439 5,555
Allowance for Loan and Lease Losses		 59 64 64
Premises and Equipment, Net		 104 96 92
Other Assets		 373 368 400
Total Liabilities & Shareholders' Equity		 7,472 7,643 7,433
Total Liabilities		 6,934 7,139 6,980
Non-Interest Bearing Deposits		 1,889 1,913 2,093
Interest Bearing Deposits		 4,755 4,934 4,643
Short-Term Debt		 0.00 0.00 5.00
Accrued Interest Payable		 10 19 4.74
Long-Term Debt		 156 156 106
Other Long-Term Liabilities		 123 116 128
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 538 504 453
Total Preferred & Common Equity		 538 504 453
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 538 504 453
Common Stock		 510 508 509
Retained Earnings		 143 118 87
Accumulated Other Comprehensive Income / (Loss)		 -114 -123 -144

Quarterly Balance Sheets for Central Pacific Financial

This table presents Central Pacific Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 7,405 7,415 7,387 7,410 7,638 7,568 7,521 7,338
Cash and Due from Banks		 107 100 104 98 109 129 109 116
Interest Bearing Deposits at Other Banks		 170 227 195 214 330 182 90 22
Trading Account Securities		 1,373 1,331 1,297 1,287 1,265 1,317 1,346 1,351
Loans and Leases, Net of Allowance		 5,274 5,281 5,321 5,338 5,444 5,457 5,494 5,358
Loans and Leases		 5,335 5,343 5,384 5,401 5,509 5,521 5,557 5,422
Allowance for Loan and Lease Losses		 60 62 62 64 65 64 63 64
Premises and Equipment, Net		 103 105 101 98 97 96 94 90
Other Assets		 378 372 369 375 392 387 389 400
Total Liabilities & Shareholders' Equity		 7,405 7,415 7,387 7,410 7,638 7,568 7,521 7,338
Total Liabilities		 6,848 6,872 6,868 6,903 7,169 7,091 7,050 6,899
Non-Interest Bearing Deposits		 1,854 1,838 1,847 1,849 1,970 2,009 2,028 2,138
Interest Bearing Deposits		 4,742 4,745 4,735 4,770 4,905 4,796 4,719 4,418
Accrued Interest Payable		 8.76 13 15 17 - - - -
Long-Term Debt		 131 156 156 156 156 156 156 106
Other Long-Term Liabilities		 112 119 115 111 139 130 122 122
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 - - -
Total Equity & Noncontrolling Interests		 557 544 519 507 469 476 471 438
Total Preferred & Common Equity		 557 544 519 507 469 476 471 438
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 557 544 519 507 469 476 471 438
Common Stock		 507 509 509 508 508 508 507 513
Retained Earnings		 154 139 133 124 110 104 97 74
Accumulated Other Comprehensive Income / (Loss)		 -104 -105 -123 -124 -150 -135 -133 -149

Annual Metrics And Ratios for Central Pacific Financial

This table displays calculated financial ratios and metrics derived from Central Pacific Financial's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -2.42% -2.59% 3.69%
EBITDA Growth		 -9.83% -21.38% -11.14%
EBIT Growth		 -11.43% -22.22% -6.51%
NOPAT Growth		 -8.96% -20.64% -7.47%
Net Income Growth		 -8.96% -20.64% -7.47%
EPS Growth		 -9.22% -19.03% -5.30%
Operating Cash Flow Growth		 -13.88% -7.89% 3.29%
Free Cash Flow Firm Growth		 149.57% -121.55% 93.15%
Invested Capital Growth		 5.28% 17.06% -15.09%
Revenue Q/Q Growth		 -3.06% -0.61% 1.24%
EBITDA Q/Q Growth		 -5.62% -8.58% -3.57%
EBIT Q/Q Growth		 -7.78% -9.16% -3.00%
NOPAT Q/Q Growth		 -6.18% -8.31% -2.82%
Net Income Q/Q Growth		 -6.18% -8.31% -2.82%
EPS Q/Q Growth		 -6.19% -7.66% -2.19%
Operating Cash Flow Q/Q Growth		 5.47% -9.09% -2.94%
Free Cash Flow Firm Q/Q Growth		 200.88% -138.05% 123.67%
Invested Capital Q/Q Growth		 -0.75% 5.65% -14.49%
Profitability Metrics		 - - -
EBITDA Margin		 31.51% 34.10% 42.25%
EBIT Margin		 27.17% 29.93% 37.49%
Profit (Net Income) Margin		 21.33% 22.86% 28.06%
Tax Burden Percent		 78.50% 76.37% 74.85%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 21.50% 23.63% 25.15%
Return on Invested Capital (ROIC)		 7.89% 9.59% 12.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.89% 9.59% 12.04%
Return on Net Nonoperating Assets (RNNOA)		 2.36% 2.68% 2.58%
Return on Equity (ROE)		 10.25% 12.27% 14.62%
Cash Return on Invested Capital (CROIC)		 2.75% -6.13% 28.36%
Operating Return on Assets (OROA)		 0.90% 1.02% 1.33%
Return on Assets (ROA)		 0.71% 0.78% 1.00%
Return on Common Equity (ROCE)		 10.25% 12.27% 14.62%
Return on Equity Simple (ROE_SIMPLE)		 9.92% 11.64% 16.32%
Net Operating Profit after Tax (NOPAT)		 53 59 74
NOPAT Margin		 21.33% 22.86% 28.06%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.49% 42.11% 43.32%
Operating Expenses to Revenue		 68.91% 63.95% 63.00%
Earnings before Interest and Taxes (EBIT)		 68 77 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 79 88 111
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.46 1.01 1.10
Price to Tangible Book Value (P/TBV)		 1.46 1.01 1.10
Price to Revenue (P/Rev)		 3.14 1.98 1.89
Price to Earnings (P/E)		 14.72 8.68 6.74
Dividend Yield		 3.58% 5.52% 5.68%
Earnings Yield		 6.79% 11.52% 14.84%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.22 0.88
Enterprise Value to Revenue (EV/Rev)		 2.24 0.56 1.89
Enterprise Value to EBITDA (EV/EBITDA)		 7.12 1.63 4.47
Enterprise Value to EBIT (EV/EBIT)		 8.25 1.86 5.03
Enterprise Value to NOPAT (EV/NOPAT)		 10.52 2.44 6.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.20 1.36 4.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 30.20 0.00 2.86
Leverage & Solvency		 - - -
Debt to Equity		 0.29 0.31 0.24
Long-Term Debt to Equity		 0.29 0.31 0.23
Financial Leverage		 0.30 0.28 0.21
Leverage Ratio		 14.50 15.76 14.69
Compound Leverage Factor		 14.50 15.76 14.69
Debt to Total Capital		 22.50% 23.65% 19.67%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.89%
Long-Term Debt to Total Capital		 22.50% 23.65% 18.78%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.50% 76.35% 80.33%
Debt to EBITDA		 1.98 1.78 1.00
Net Debt to EBITDA		 -2.85 -4.19 -0.01
Long-Term Debt to EBITDA		 1.98 1.78 0.95
Debt to NOPAT		 2.93 2.66 1.50
Net Debt to NOPAT		 -4.21 -6.24 -0.02
Long-Term Debt to NOPAT		 2.93 2.66 1.43
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 19 -38 174
Operating Cash Flow to CapEx		 599.78% 1,633.70% 618.88%
Free Cash Flow to Firm to Interest Expense		 0.20 -0.52 10.18
Operating Cash Flow to Interest Expense		 0.96 1.45 6.68
Operating Cash Flow Less CapEx to Interest Expense		 0.80 1.36 5.60
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.03 0.04
Fixed Asset Turnover		 2.50 2.73 3.06
Capital & Investment Metrics		 - - -
Invested Capital		 695 660 564
Invested Capital Turnover		 0.37 0.42 0.43
Increase / (Decrease) in Invested Capital		 35 96 -100
Enterprise Value (EV)		 562 143 497
Market Capitalization		 786 509 498
Book Value per Share		 $19.89 $18.63 $16.63
Tangible Book Value per Share		 $19.89 $18.63 $16.63
Total Capital		 695 660 564
Total Debt		 156 156 111
Total Long-Term Debt		 156 156 106
Net Debt		 -225 -366 -1.19
Capital Expenditures (CapEx)		 15 6.43 18
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 156 156 111
Total Depreciation and Amortization (D&A)		 11 11 13
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.97 $2.17 $2.70
Adjusted Weighted Average Basic Shares Outstanding		 27.07M 27.05M 26.97M
Adjusted Diluted Earnings per Share		 $1.97 $2.17 $2.68
Adjusted Weighted Average Diluted Shares Outstanding		 27.07M 27.05M 26.97M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 27.07M 27.05M 26.97M
Normalized Net Operating Profit after Tax (NOPAT)		 53 59 74
Normalized NOPAT Margin		 21.33% 22.86% 28.06%
Pre Tax Income Margin		 27.17% 29.93% 37.49%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.72 1.06 5.78
NOPAT to Interest Expense		 0.57 0.81 4.33
EBIT Less CapEx to Interest Expense		 0.56 0.97 4.70
NOPAT Less CapEx to Interest Expense		 0.41 0.72 3.25
Payout Ratios		 - - -
Dividend Payout Ratio		 52.69% 47.92% 38.56%
Augmented Payout Ratio		 54.46% 52.41% 66.61%

Quarterly Metrics And Ratios for Central Pacific Financial

This table displays calculated financial ratios and metrics derived from Central Pacific Financial's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.99% -11.94% 7.44% 1.38% -5.79% -2.32% -4.65% -9.91% 7.80% 4.99% -2.03%
EBITDA Growth		 24.51% -21.65% -4.27% 6.60% -18.70% -27.45% -20.47% -19.31% -17.85% -12.10% -20.44%
EBIT Growth		 33.29% -29.97% -2.43% 9.00% -20.37% -28.80% -22.73% -20.32% -16.60% -10.19% -18.08%
NOPAT Growth		 37.20% -23.68% 1.25% 9.27% -20.03% -26.34% -21.38% -17.73% -16.73% -9.61% -19.70%
Net Income Growth		 37.20% -23.68% 1.25% 9.27% -20.03% -26.34% -21.38% -17.73% -16.73% -9.61% -19.70%
EPS Growth		 35.42% -23.64% 0.00% 9.43% -20.00% -24.66% -19.67% -17.19% -14.29% -7.59% -17.57%
Operating Cash Flow Growth		 20.26% 21.72% -39.64% -13.50% -6.96% -32.71% 2.27% -21.35% 94.13% -9.71% 118.38%
Free Cash Flow Firm Growth		 -637.19% 71.14% -229.93% 52.95% 103.27% -167.58% 158.62% -149.48% -157.58% 269.55% -91.26%
Invested Capital Growth		 3.83% 5.28% 12.07% 6.74% 1.77% 17.06% -5.25% 12.73% 10.10% -15.09% -0.27%
Revenue Q/Q Growth		 17.80% -12.30% 3.97% 4.25% -7.36% 7.00% -1.89% -3.12% -3.95% 4.45% -7.31%
EBITDA Q/Q Growth		 42.03% -12.39% -15.91% 19.00% -10.62% 7.03% -6.36% -9.24% -20.24% 17.33% -5.00%
EBIT Q/Q Growth		 68.25% -21.46% -17.37% 22.06% -11.60% 9.43% -7.69% -10.82% -20.96% 18.76% -4.81%
NOPAT Q/Q Growth		 56.54% -14.73% -15.88% 22.19% -12.92% 13.13% -9.22% -10.58% -19.79% 20.74% -5.00%
Net Income Q/Q Growth		 56.54% -14.73% -15.88% 22.19% -12.92% 13.13% -9.22% -10.58% -19.79% 20.74% -5.00%
EPS Q/Q Growth		 54.76% -14.29% -15.52% 20.83% -12.73% 12.24% -7.55% -11.67% -17.81% 19.67% -4.69%
Operating Cash Flow Q/Q Growth		 -22.30% 23.70% -18.05% 52.68% -21.36% -38.66% 17.45% 64.22% -43.13% -6.76% -9.68%
Free Cash Flow Firm Q/Q Growth		 67.38% 62.19% -131.65% -1,980.21% 101.75% -270.24% 183.88% -30.60% -136.24% 551.48% -83.95%
Invested Capital Q/Q Growth		 -0.86% -0.75% 3.73% 1.73% 0.52% 5.65% -1.21% -3.00% 15.63% -14.49% 17.55%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.12% 29.13% 29.16% 36.05% 31.59% 32.74% 32.73% 34.29% 36.60% 44.08% 39.24%
EBIT Margin		 32.78% 22.95% 25.63% 32.25% 27.54% 28.86% 28.22% 29.99% 32.58% 39.60% 34.82%
Profit (Net Income) Margin		 25.82% 19.43% 19.98% 24.70% 21.07% 22.42% 21.20% 22.91% 24.82% 29.73% 25.72%
Tax Burden Percent		 78.75% 84.65% 77.97% 76.59% 76.51% 77.67% 75.13% 76.40% 76.19% 75.08% 73.85%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.25% 15.35% 22.03% 23.41% 23.49% 22.33% 24.87% 23.60% 23.81% 24.92% 26.15%
Return on Invested Capital (ROIC)		 9.84% 7.18% 7.80% 9.59% 8.10% 9.40% 8.53% 10.04% 10.71% 12.76% 10.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.84% 7.18% 7.80% 9.59% 8.10% 9.40% 8.53% 10.04% 10.71% 12.76% 10.14%
Return on Net Nonoperating Assets (RNNOA)		 2.66% 2.15% 2.40% 3.01% 2.79% 2.62% 3.54% 2.82% 3.20% 2.73% 3.33%
Return on Equity (ROE)		 12.50% 9.34% 10.20% 12.60% 10.90% 12.03% 12.07% 12.86% 13.91% 15.49% 13.47%
Cash Return on Invested Capital (CROIC)		 4.85% 2.75% -2.78% 2.17% 6.68% -6.13% 15.36% -0.65% 1.75% 28.36% 11.79%
Operating Return on Assets (OROA)		 1.14% 0.76% 0.88% 1.09% 0.93% 0.98% 0.97% 1.05% 1.18% 1.41% 1.24%
Return on Assets (ROA)		 0.90% 0.64% 0.69% 0.84% 0.71% 0.76% 0.73% 0.81% 0.90% 1.05% 0.91%
Return on Common Equity (ROCE)		 12.50% 9.34% 10.20% 12.60% 10.90% 12.03% 12.07% 12.86% 13.91% 15.49% 13.47%
Return on Equity Simple (ROE_SIMPLE)		 10.45% 0.00% 10.47% 10.95% 10.93% 0.00% 13.65% 14.18% 15.01% 0.00% 17.35%
Net Operating Profit after Tax (NOPAT)		 18 11 13 16 13 15 13 14 16 20 17
NOPAT Margin		 25.82% 19.43% 19.98% 24.70% 21.07% 22.42% 21.20% 22.91% 24.82% 29.73% 25.72%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 40.96% 47.38% 43.21% 43.31% 44.37% 40.49% 41.66% 42.79% 43.52% 41.82% 45.78%
Operating Expenses to Revenue		 61.16% 75.65% 70.12% 64.26% 66.05% 64.12% 63.91% 63.17% 64.58% 59.56% 64.62%
Earnings before Interest and Taxes (EBIT)		 23 13 17 21 17 19 17 19 21 27 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 17 19 23 19 22 20 22 24 30 26
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.31 1.46 1.47 1.11 1.04 1.01 0.91 0.84 0.95 1.10 1.17
Price to Tangible Book Value (P/TBV)		 1.31 1.46 1.47 1.11 1.04 1.01 0.91 0.84 0.95 1.10 1.17
Price to Revenue (P/Rev)		 2.84 3.14 3.09 2.26 2.09 1.98 1.66 1.53 1.67 1.89 1.97
Price to Earnings (P/E)		 12.57 14.72 14.03 10.10 9.51 8.68 6.70 5.93 6.34 6.74 6.75
Dividend Yield		 3.88% 3.58% 3.52% 4.91% 5.33% 5.52% 6.56% 7.01% 6.26% 5.68% 5.49%
Earnings Yield		 7.96% 6.79% 7.13% 9.90% 10.51% 11.52% 14.93% 16.86% 15.76% 14.84% 14.81%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.81 0.90 0.64 0.56 0.22 0.23 0.39 0.66 0.88 0.90
Enterprise Value to Revenue (EV/Rev)		 2.27 2.24 2.43 1.70 1.47 0.56 0.56 0.94 1.61 1.89 2.29
Enterprise Value to EBITDA (EV/EBITDA)		 7.01 7.12 7.51 5.10 4.46 1.63 1.52 2.43 4.06 4.47 5.16
Enterprise Value to EBIT (EV/EBIT)		 7.96 8.25 8.52 5.80 5.11 1.86 1.72 2.74 4.55 5.03 5.85
Enterprise Value to NOPAT (EV/NOPAT)		 10.07 10.52 11.04 7.59 6.69 2.44 2.28 3.64 6.09 6.72 7.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.24 6.20 7.32 4.32 3.57 1.36 1.26 2.14 3.50 4.36 5.07
Enterprise Value to Free Cash Flow (EV/FCFF)		 17.87 30.20 0.00 30.41 8.44 0.00 1.48 0.00 39.54 2.86 7.66
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.24 0.29 0.29 0.30 0.31 0.31 0.33 0.33 0.38 0.24 0.50
Long-Term Debt to Equity		 0.24 0.29 0.29 0.30 0.31 0.31 0.33 0.33 0.33 0.23 0.24
Financial Leverage		 0.27 0.30 0.31 0.31 0.34 0.28 0.42 0.28 0.30 0.21 0.33
Leverage Ratio		 13.92 14.50 14.87 15.03 15.27 15.76 16.51 15.96 15.48 14.69 14.73
Compound Leverage Factor		 13.92 14.50 14.87 15.03 15.27 15.76 16.51 15.96 15.48 14.69 14.73
Debt to Total Capital		 19.08% 22.50% 22.33% 23.15% 23.54% 23.65% 24.98% 24.67% 27.76% 19.67% 33.49%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.84% 0.89% 17.44%
Long-Term Debt to Total Capital		 19.08% 22.50% 22.33% 23.15% 23.54% 23.65% 24.98% 24.67% 23.92% 18.78% 16.05%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.92% 77.50% 77.67% 76.85% 76.46% 76.35% 75.02% 75.33% 72.25% 80.33% 66.51%
Debt to EBITDA		 1.57 1.98 1.87 1.85 1.88 1.78 1.63 1.55 1.70 1.00 1.91
Net Debt to EBITDA		 -1.74 -2.85 -2.04 -1.69 -1.89 -4.19 -2.95 -1.54 -0.17 -0.01 0.71
Long-Term Debt to EBITDA		 1.57 1.98 1.87 1.85 1.88 1.78 1.63 1.55 1.47 0.95 0.92
Debt to NOPAT		 2.26 2.93 2.75 2.75 2.82 2.66 2.44 2.31 2.56 1.50 2.90
Net Debt to NOPAT		 -2.50 -4.21 -2.99 -2.51 -2.83 -6.24 -4.42 -2.29 -0.25 -0.02 1.08
Long-Term Debt to NOPAT		 2.26 2.93 2.75 2.75 2.82 2.66 2.44 2.31 2.21 1.43 1.39
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -7.66 -23 -62 -27 1.43 -81 48 -57 -44 120 18
Operating Cash Flow to CapEx		 2,299.21% 1,738.73% 376.59% 554.61% 522.47% 1,285.66% 1,305.41% 674.44% 477.97% 928.59% 1,089.50%
Free Cash Flow to Firm to Interest Expense		 -0.39 -1.06 -2.58 -1.12 0.06 -3.54 2.33 -3.43 -3.46 13.75 4.29
Operating Cash Flow to Interest Expense		 1.05 1.19 0.88 1.08 0.70 0.94 1.72 1.81 1.45 3.67 8.00
Operating Cash Flow Less CapEx to Interest Expense		 1.00 1.12 0.65 0.89 0.57 0.87 1.59 1.54 1.15 3.27 7.27
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.56 2.50 2.56 2.57 2.64 2.73 2.76 2.82 3.10 3.06 3.06
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 689 695 700 675 663 660 625 632 652 564 659
Invested Capital Turnover		 0.38 0.37 0.39 0.39 0.38 0.42 0.40 0.44 0.43 0.43 0.39
Increase / (Decrease) in Invested Capital		 25 35 75 43 12 96 -35 71 60 -100 -1.76
Enterprise Value (EV)		 586 562 628 431 371 143 146 246 430 497 596
Market Capitalization		 732 786 799 573 527 509 429 401 448 498 514
Book Value per Share		 $20.59 $19.89 $20.09 $19.18 $18.75 $18.63 $17.33 $17.64 $17.46 $16.63 $16.01
Tangible Book Value per Share		 $20.59 $19.89 $20.09 $19.18 $18.75 $18.63 $17.33 $17.64 $17.46 $16.63 $16.01
Total Capital		 689 695 700 675 663 660 625 632 652 564 659
Total Debt		 131 156 156 156 156 156 156 156 181 111 221
Total Long-Term Debt		 131 156 156 156 156 156 156 156 156 106 106
Net Debt		 -145 -225 -170 -143 -157 -366 -283 -155 -18 -1.19 82
Capital Expenditures (CapEx)		 0.89 1.51 5.65 4.68 3.25 1.68 2.70 4.45 3.82 3.46 3.16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 131 156 156 156 156 156 156 156 181 111 221
Total Depreciation and Amortization (D&A)		 1.61 3.61 2.35 2.44 2.49 2.57 2.79 2.71 2.62 3.04 2.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.42 $0.49 $0.58 $0.48 $0.54 $0.49 $0.54 $0.60 $0.75 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 27.09M 27.07M 27.06M 27.05M 27.05M 27.05M 27.04M 27.02M 27.00M 26.97M 27.36M
Adjusted Diluted Earnings per Share		 $0.65 $0.42 $0.49 $0.58 $0.48 $0.55 $0.49 $0.53 $0.60 $0.73 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 27.21M 27.07M 27.19M 27.12M 27.10M 27.05M 27.08M 27.07M 27.12M 26.97M 27.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 26.98M 27.07M 27.06M 27.06M 27.04M 27.05M 27.04M 27.04M 27.01M 26.97M 27.23M
Normalized Net Operating Profit after Tax (NOPAT)		 18 11 13 16 13 15 13 14 16 20 17
Normalized NOPAT Margin		 25.82% 19.43% 19.98% 24.70% 21.07% 22.42% 21.20% 22.91% 24.82% 29.73% 25.72%
Pre Tax Income Margin		 32.78% 22.95% 25.63% 32.25% 27.54% 28.86% 28.22% 29.99% 32.58% 39.60% 34.82%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.16 0.60 0.71 0.86 0.70 0.83 0.85 1.14 1.68 3.07 5.26
NOPAT to Interest Expense		 0.91 0.51 0.55 0.66 0.53 0.65 0.64 0.87 1.28 2.31 3.88
EBIT Less CapEx to Interest Expense		 1.11 0.54 0.47 0.67 0.56 0.76 0.72 0.87 1.38 2.68 4.52
NOPAT Less CapEx to Interest Expense		 0.86 0.44 0.32 0.47 0.40 0.57 0.51 0.60 0.98 1.91 3.15
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 48.84% 52.69% 49.42% 49.56% 50.74% 47.92% 43.96% 41.75% 40.08% 38.56% 37.35%
Augmented Payout Ratio		 52.43% 54.46% 51.08% 51.35% 53.22% 52.41% 55.77% 60.03% 63.02% 66.61% 69.24%

Frequently Asked Questions About Central Pacific Financial's Financials

When does Central Pacific Financial's financial year end?

According to the most recent income statement we have on file, Central Pacific Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Central Pacific Financial's net income changed over the last 2 years?

Central Pacific Financial's net income appears to be on a downward trend, with a most recent value of $53.41 million in 2024, falling from $73.93 million in 2022. The previous period was $58.67 million in 2023.

How has Central Pacific Financial revenue changed over the last 2 years?

Over the last 2 years, Central Pacific Financial's total revenue changed from $263.48 million in 2022 to $250.46 million in 2024, a change of -4.9%.

How much debt does Central Pacific Financial have?

Central Pacific Financial's total liabilities were at $6.93 billion at the end of 2024, a 2.9% decrease from 2023, and a 0.7% decrease since 2022.

How much cash does Central Pacific Financial have?

In the past 2 years, Central Pacific Financial's cash and equivalents has ranged from $77.77 million in 2024 to $116.18 million in 2023, and is currently $77.77 million as of their latest financial filing in 2024.

How has Central Pacific Financial's book value per share changed over the last 2 years?

Over the last 2 years, Central Pacific Financial's book value per share changed from 16.63 in 2022 to 19.89 in 2024, a change of 19.6%.


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This page (NYSE:CPF) was last updated on 5/21/2025 by MarketBeat.com Staff
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