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CPB (CPF) Financials

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$29.52 -0.13 (-0.44%)
Closing price 03:59 PM Eastern
Extended Trading
$29.52 0.00 (-0.02%)
As of 04:10 PM Eastern
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Annual Income Statements for CPB

Annual Income Statements for CPB

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 40 46 31 33 58 58 37 80 74 59 53
Consolidated Net Income / (Loss)		 40 46 47 41 59 58 37 80 74 59 53
Net Income / (Loss) Continuing Operations		 40 46 31 33 58 58 37 80 74 59 53
Total Pre-Tax Income 		61 73 73 76 78 78 49 106 99 77 68
Total Revenue		 185 184 194 203 212 226 243 254 263 257 250
Net Interest Income / (Expense)		 143 150 158 168 173 184 198 211 216 210 212
Total Interest Income		 150 156 167 183 198 216 212 219 233 283 306
Loans and Leases Interest Income		 112 119 132 144 160 184 187 194 201 244 259
Investment Securities Interest Income		 38 37 35 38 38 33 26 24 31 32 36
Deposits and Money Market Investments Interest Income		 0.03 0.04 0.07 0.36 0.37 0.20 0.05 0.26 0.74 7.16 12
Total Interest Expense		 6.39 6.55 3.01 15 25 32 15 7.72 17 73 94
Deposits Interest Expense		 3.73 3.63 -5.61 11 20 24 10 3.62 11 63 85
Short-Term Borrowings Interest Expense		 0.09 0.30 -0.58 0.18 1.24 4.29 0.72 0.00 1.06 1.14 0.00
Long-Term Debt Interest Expense		 2.57 2.63 9.19 3.48 4.56 4.08 3.60 4.10 4.93 8.63 9.08
Total Non-Interest Income		 41 35 42 35 39 42 45 43 48 47 39
Service Charges on Deposit Accounts		 8.11 7.83 7.89 8.47 8.41 8.41 6.23 6.36 8.20 8.75 8.66
Other Service Charges		 15 15 15 14 16 26 17 20 21 28 24
Net Realized & Unrealized Capital Gains on Investments		 2.16 -0.27 5.39 -0.07 -0.05 0.04 -0.20 0.15 8.51 -2.07 -9.93
Other Non-Interest Income		 12 9.29 11 13 14 7.50 22 16 10 12 16
Provision for Credit Losses		 -6.41 -16 -5.52 -2.67 -1.12 6.35 42 -15 -1.27 16 9.83
Total Non-Interest Expense		 130 127 133 131 135 142 152 163 166 164 173
Salaries and Employee Benefits		 68 66 74 72 75 81 84 90 89 82 86
Net Occupancy & Equipment Expense		 19 18 17 17 18 19 20 20 21 22 22
Marketing Expense		 2.34 2.55 2.40 2.41 2.68 2.66 3.79 5.50 4.15 3.89 3.62
Other Operating Expenses		 38 40 31 36 37 39 44 47 52 56 61
Income Tax Expense		 20 27 26 35 19 20 12 26 25 18 15
Basic Earnings per Share		 $1.08 $1.42 $1.52 $1.36 $2.02 $2.05 $1.33 $2.85 $2.70 $2.17 $1.97
Weighted Average Basic Shares Outstanding		 37.37M 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
Diluted Earnings per Share		 $1.07 $1.40 $1.50 $1.34 $2.01 $2.03 $1.32 $2.83 $2.68 $2.17 $1.97
Weighted Average Diluted Shares Outstanding		 37.37M 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
Weighted Average Basic & Diluted Shares Outstanding		 37.37M 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
Cash Dividends to Common per Share		 $0.36 $0.82 $0.60 $0.70 $0.82 $0.90 $0.92 $0.96 $1.04 $1.04 $1.04

Quarterly Income Statements for CPB

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

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

Annual Cash Flow Statements for CPB

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 37 -5.81 4.15 -2.05 20 0.79 1.10 225 -217 410 -141
Net Cash From Operating Activities		 71 75 76 97 103 72 77 110 114 105 91
Net Cash From Continuing Operating Activities		 71 75 76 97 103 72 77 110 114 105 91
Net Income / (Loss) Continuing Operations		 40 46 47 41 59 58 37 80 74 59 53
Consolidated Net Income / (Loss)		 40 46 47 41 59 58 37 80 74 59 53
Provision For Loan Losses		 -6.41 -16 -5.52 -2.67 -1.12 6.35 42 -15 -1.27 16 9.83
Depreciation Expense		 5.84 5.87 6.05 6.44 6.29 6.14 6.22 6.98 6.87 6.94 6.88
Amortization Expense		 13 17 21 17 15 12 16 13 5.69 3.75 4.00
Non-Cash Adjustments to Reconcile Net Income		 25 24 0.35 47 12 -13 -28 18 17 -1.03 5.49
Changes in Operating Assets and Liabilities, net		 -6.23 -2.53 7.93 -12 13 2.07 2.96 7.39 12 21 11
Net Cash From Investing Activities		 -83 -315 -277 -296 -211 -129 -597 -662 -384 180 0.65
Net Cash From Continuing Investing Activities		 -83 -315 -277 -296 -211 -129 -597 -662 -384 180 0.65
Purchase of Property, Leasehold Improvements and Equipment		 -6.02 -5.82 -5.90 -6.53 -3.23 -7.20 -26 -22 -18 -13 -15
Purchase of Investment Securities		 -409 -669 -513 -607 -394 -433 -1,114 -1,213 -567 44 -174
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - 0.00 0.00 6.22 0.00
Sale and/or Maturity of Investments		 329 324 245 313 198 311 545 576 213 141 209
Other Investing Activities, net		 2.73 35 -2.97 3.70 -12 0.44 -1.69 -2.64 -11 0.71 -19
Net Cash From Financing Activities		 48 235 205 197 128 58 521 777 53 126 -233
Net Cash From Continuing Financing Activities		 48 235 205 197 128 58 521 777 53 126 -233
Net Change in Deposits		 174 323 175 348 -9.86 174 676 843 97 111 -204
Issuance of Debt		 30 31 66 0.00 215 -47 120 0.00 0.00 50 0.00
Issuance of Common Equity		 0.07 0.36 0.94 0.00 0.00 0.15 0.00 1.24 0.68 0.00 0.00
Repayment of Debt		 -0.01 - 0.00 -103 -21 -21 -244 -22 5.00 -5.00 0.00
Repurchase of Common Equity		 -142 -94 -18 -27 -33 -23 -4.75 -19 -21 -2.63 -0.95
Payment of Dividends		 -13 -26 -19 -21 -24 -26 -26 -27 -29 -28 -28
Cash Interest Paid		 6.41 6.45 8.71 13 24 33 17 8.32 13 58 103
Cash Income Taxes Paid		 0.19 1.64 1.61 8.40 0.02 24 20 23 5.58 7.31 -9.21

Quarterly Cash Flow Statements for CPB

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

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 7.57 -27 87 112 128 84 -210 -14 28 54 -104
Net Cash From Operating Activities		 34 32 18 30 35 22 17 26 21 26 20
Net Cash From Continuing Operating Activities		 34 32 18 30 35 22 17 26 21 26 20
Net Income / (Loss) Continuing Operations		 17 20 16 14 13 15 13 16 13 11 18
Consolidated Net Income / (Loss)		 17 20 16 14 13 15 13 16 13 11 18
Provision For Loan Losses		 0.36 0.57 1.85 4.32 4.87 4.65 3.94 2.24 2.83 0.82 4.17
Depreciation Expense		 1.61 1.99 1.63 1.75 1.83 1.74 1.75 1.71 1.68 1.75 1.74
Amortization Expense		 1.26 1.05 0.99 0.97 0.97 0.83 0.74 0.73 0.67 1.86 -0.13
Non-Cash Adjustments to Reconcile Net Income		 -4.35 61 6.64 -1.50 -0.98 -5.19 0.97 -6.06 12 -1.23 6.32
Changes in Operating Assets and Liabilities, net		 19 -53 -9.03 9.99 15 4.85 -3.34 12 -9.04 12 -9.42
Net Cash From Investing Activities		 -64 -117 -3.05 56 31 96 10 3.49 13 -26 -42
Net Cash From Continuing Investing Activities		 -64 -117 -3.05 56 31 96 10 3.49 13 -26 -42
Purchase of Property, Leasehold Improvements and Equipment		 -3.16 -3.46 -3.82 -4.45 -2.70 -1.68 -3.25 -4.68 -5.65 -1.51 -0.89
Purchase of Investment Securities		 -98 -215 -19 -15 42 36 -33 -19 3.92 -161 -46
Sale and/or Maturity of Investments		 41 108 23 75 -8.71 53 54 27 25 137 23
Other Investing Activities, net		 -4.60 -5.85 -2.84 0.96 -0.36 2.95 -7.71 -0.08 -10 -0.89 -18
Net Cash From Financing Activities		 37 58 72 26 62 -34 -237 -43 -6.48 54 -82
Net Cash From Continuing Financing Activities		 37 58 72 26 62 -34 -237 -43 -6.48 54 -82
Net Change in Deposits		 -66 180 11 59 69 -27 -229 -36 0.56 61 -48
Repayment of Debt		 115 -110 20 -25 - - 0.00 - - - -25
Repurchase of Common Equity		 -4.87 -4.92 -2.21 -0.36 -0.07 - -0.95 - - - -2.09
Payment of Dividends		 -7.11 -7.04 -7.03 -7.03 -7.03 -7.03 -7.03 -7.04 -7.04 -7.04 -7.33
Cash Interest Paid		 3.15 6.29 9.66 13 15 21 27 26 26 25 21

Annual Balance Sheets for CPB

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 4,853 5,131 5,384 5,624 5,807 6,013 6,595 7,419 7,433 7,643 7,472
Cash and Due from Banks		 72 72 75 75 81 78 98 82 97 116 78
Interest Bearing Deposits at Other Banks		 14 8.40 9.07 6.98 22 25 6.52 247 15 406 303
Trading Account Securities		 1,467 1,520 1,462 1,497 1,355 1,128 1,184 1,632 1,338 1,281 1,340
Loans and Leases, Net of Allowance		 2,858 3,148 3,468 3,721 4,030 4,402 4,881 5,034 5,492 5,375 5,274
Loans and Leases		 2,932 3,212 3,525 3,771 4,078 4,450 4,964 5,102 5,555 5,439 5,333
Allowance for Loan and Lease Losses		 74 63 57 50 48 48 83 68 64 64 59
Premises and Equipment, Net		 49 49 48 48 45 46 65 80 92 96 104
Other Assets		 373 312 285 257 268 325 344 341 400 368 373
Total Liabilities & Shareholders' Equity		 4,853 5,131 5,384 5,624 5,807 6,013 6,595 7,419 7,433 7,643 7,472
Total Liabilities		 4,285 4,637 4,880 5,124 5,315 5,484 6,048 6,861 6,980 7,139 6,934
Non-Interest Bearing Deposits		 1,034 1,145 1,265 1,396 1,437 1,451 1,790 2,291 2,093 1,913 1,889
Interest Bearing Deposits		 3,076 3,288 3,343 3,515 3,510 3,669 4,006 4,348 4,643 4,934 4,755
Accrued Interest Payable		 - - - - - - - - 4.74 19 10
Long-Term Debt		 93 93 93 93 122 102 105 106 106 156 156
Other Long-Term Liabilities		 44 41 44 43 50 113 124 116 128 116 123
Commitments & Contingencies		 - - - - - - - - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 568 495 505 500 492 529 547 558 453 504 538
Total Preferred & Common Equity		 568 495 505 500 492 529 547 558 453 504 538
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 568 495 505 500 492 529 547 558 453 504 538
Common Stock		 722 632 615 590 560 539 537 524 509 508 510
Retained Earnings		 -157 -137 -109 -89 -52 -19 -11 42 87 118 143
Accumulated Other Comprehensive Income / (Loss)		 3.16 0.20 -1.52 -1.04 -16 8.41 20 -7.96 -144 -123 -114

Quarterly Balance Sheets for CPB

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

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

Annual Metrics And Ratios for CPB

This table displays calculated financial ratios and metrics derived from CPB's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.85% -0.14% 5.29% 4.56% 4.37% 6.64% 7.53% 4.62% 3.69% -2.59% -2.42%
EBITDA Growth		 -7.76% 20.18% -2.20% 4.04% 1.74% -3.53% -25.54% 75.64% -11.14% -21.38% -9.83%
EBIT Growth		 1.69% 19.91% -8.05% 11.10% 4.99% -0.41% -37.08% 115.47% -6.51% -22.22% -11.43%
NOPAT Growth		 -76.49% 13.39% 2.45% -12.32% 44.37% -1.96% -36.09% 114.35% -7.47% -20.64% -8.96%
Net Income Growth		 -76.49% 13.39% 2.45% -12.32% 44.37% -1.96% -36.09% 114.35% -7.47% -20.64% -8.96%
EPS Growth		 -73.71% 30.84% 7.14% -10.67% 50.00% 1.00% -34.98% 114.39% -5.30% -19.03% -9.22%
Operating Cash Flow Growth		 -15.50% 4.30% 2.66% 26.54% 6.92% -30.24% 6.37% 43.88% 3.29% -7.89% -13.88%
Free Cash Flow Firm Growth		 200.51% -13.98% -132.90% 612.48% -185.05% 170.42% 60.66% -37.07% 93.15% -121.55% 149.57%
Invested Capital Growth		 -8.17% -6.07% 11.58% -14.70% 29.78% -3.80% -13.58% -1.52% -15.09% 17.06% 5.28%
Revenue Q/Q Growth		 -2.08% 0.06% 1.80% 1.66% 1.67% 1.63% 3.33% -0.34% 1.24% -0.61% -3.06%
EBITDA Q/Q Growth		 5.94% -0.42% -3.19% 2.85% 3.58% -2.25% -2.92% 10.71% -3.57% -8.58% -5.62%
EBIT Q/Q Growth		 9.52% -2.15% -5.51% 4.97% 6.47% -3.03% -6.52% 15.26% -3.00% -9.16% -7.78%
NOPAT Q/Q Growth		 7.92% -4.84% 2.79% -16.12% 23.98% -2.66% -5.16% 14.56% -2.82% -8.31% -6.18%
Net Income Q/Q Growth		 7.92% -4.84% 2.79% -16.12% 23.98% -2.66% -5.16% 14.56% -2.82% -8.31% -6.18%
EPS Q/Q Growth		 12.63% -1.41% 3.45% -15.72% 24.07% -1.46% -4.35% 14.11% -2.19% -7.66% -6.19%
Operating Cash Flow Q/Q Growth		 -7.65% 5.19% -6.29% 15.15% 4.50% -6.43% 27.74% -0.73% -2.94% -9.09% 5.47%
Free Cash Flow Firm Q/Q Growth		 -37.98% 315.20% -184.22% -28.70% -400.36% 192.94% 631.32% -65.36% 123.67% -138.05% 200.88%
Invested Capital Q/Q Growth		 5.59% -12.60% -3.91% 3.68% 19.97% -6.22% -20.83% 0.43% -14.49% 5.65% -0.75%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.24% 52.04% 48.34% 48.10% 46.89% 42.41% 29.37% 49.30% 42.25% 34.10% 31.51%
EBIT Margin		 32.96% 39.58% 34.56% 36.73% 36.94% 34.50% 20.19% 41.58% 37.49% 29.93% 27.17%
Profit (Net Income) Margin		 21.92% 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33%
Tax Burden Percent		 66.49% 62.87% 64.14% 54.36% 76.03% 74.84% 76.02% 75.62% 74.85% 76.37% 78.50%
Interest Burden Percent		 100.00% 100.00% 109.22% 101.71% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.51% 37.13% 35.86% 45.64% 23.97% 25.16% 23.98% 24.38% 25.15% 23.63% 21.50%
Return on Invested Capital (ROIC)		 5.54% 6.77% 6.77% 6.07% 8.29% 7.33% 5.13% 11.94% 12.04% 9.59% 7.89%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.54% 6.77% 6.77% 6.07% 8.29% 7.33% 5.13% 11.94% 12.04% 9.59% 7.89%
Return on Net Nonoperating Assets (RNNOA)		 1.05% 1.86% 2.64% 2.13% 3.71% 4.10% 1.81% 2.52% 2.58% 2.68% 2.36%
Return on Equity (ROE)		 6.59% 8.63% 9.40% 8.20% 12.00% 11.43% 6.93% 14.46% 14.62% 12.27% 10.25%
Cash Return on Invested Capital (CROIC)		 14.06% 13.03% -4.18% 21.93% -17.63% 11.21% 19.70% 13.47% 28.36% -6.13% 2.75%
Operating Return on Assets (OROA)		 1.27% 1.46% 1.28% 1.35% 1.37% 1.32% 0.78% 1.51% 1.33% 1.02% 0.90%
Return on Assets (ROA)		 0.84% 0.92% 0.89% 0.75% 1.04% 0.99% 0.59% 1.14% 1.00% 0.78% 0.71%
Return on Common Equity (ROCE)		 6.59% 8.63% 9.40% 8.20% 12.00% 11.43% 6.93% 14.46% 14.62% 12.27% 10.25%
Return on Equity Simple (ROE_SIMPLE)		 7.12% 9.27% 9.31% 8.24% 12.10% 11.04% 6.82% 14.31% 16.32% 11.64% 9.92%
Net Operating Profit after Tax (NOPAT)		 40 46 47 41 59 58 37 80 74 59 53
NOPAT Margin		 21.92% 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33%
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		 48.28% 47.14% 48.11% 45.36% 45.34% 45.24% 44.19% 45.72% 43.32% 42.11% 44.49%
Operating Expenses to Revenue		 70.51% 68.92% 68.28% 64.59% 63.59% 62.69% 62.47% 64.16% 63.00% 63.95% 68.91%
Earnings before Interest and Taxes (EBIT)		 61 73 67 75 78 78 49 106 99 77 68
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 80 96 94 98 99 96 71 125 111 88 79
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.95 1.01 1.42 1.36 1.13 1.28 0.83 1.24 1.10 1.01 1.46
Price to Tangible Book Value (P/TBV)		 0.97 1.02 1.44 1.37 1.13 1.28 0.83 1.24 1.10 1.01 1.46
Price to Revenue (P/Rev)		 2.92 2.71 3.70 3.36 2.62 2.99 1.87 2.72 1.89 1.98 3.14
Price to Earnings (P/E)		 13.32 10.88 23.42 20.87 9.63 11.60 12.17 8.66 6.74 8.68 14.72
Dividend Yield		 2.40% 4.27% 2.57% 3.09% 4.31% 3.78% 5.72% 3.88% 5.68% 5.52% 3.58%
Earnings Yield		 7.51% 9.19% 4.27% 4.79% 10.39% 8.62% 8.22% 11.54% 14.84% 11.52% 6.79%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.88 1.18 1.16 0.95 1.06 0.71 0.71 0.88 0.22 0.81
Enterprise Value to Revenue (EV/Rev)		 3.16 3.15 4.44 3.57 3.64 3.65 1.96 1.85 1.89 0.56 2.24
Enterprise Value to EBITDA (EV/EBITDA)		 7.31 6.06 9.19 7.42 7.77 8.61 6.69 3.74 4.47 1.63 7.12
Enterprise Value to EBIT (EV/EBIT)		 9.59 7.96 12.85 9.72 9.86 10.59 9.73 4.44 5.03 1.86 8.25
Enterprise Value to NOPAT (EV/NOPAT)		 14.43 12.66 18.34 17.58 12.97 14.15 12.79 5.87 6.72 2.44 10.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.17 7.80 11.27 7.48 7.46 11.43 6.21 4.24 4.36 1.36 6.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.69 6.58 0.00 4.87 0.00 9.25 3.33 5.20 2.86 0.00 30.20
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.33 0.45 0.25 0.65 0.48 0.23 0.19 0.24 0.31 0.29
Long-Term Debt to Equity		 0.16 0.19 0.18 0.19 0.25 0.19 0.19 0.19 0.23 0.31 0.29
Financial Leverage		 0.19 0.28 0.39 0.35 0.45 0.56 0.35 0.21 0.21 0.28 0.30
Leverage Ratio		 7.81 9.40 10.52 10.96 11.53 11.59 11.72 12.68 14.69 15.76 14.50
Compound Leverage Factor		 7.81 9.40 11.49 11.14 11.53 11.59 11.72 12.68 14.69 15.76 14.50
Debt to Total Capital		 18.72% 24.65% 31.10% 19.97% 39.36% 32.25% 18.90% 15.91% 19.67% 23.65% 22.50%
Short-Term Debt to Total Capital		 5.44% 10.51% 18.43% 5.12% 24.29% 19.23% 3.26% 0.00% 0.89% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.28% 14.13% 12.67% 14.85% 15.07% 13.02% 15.63% 15.91% 18.78% 23.65% 22.50%
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% 0.01% 0.01% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.29% 75.35% 68.90% 80.02% 60.64% 67.75% 81.10% 84.08% 80.33% 76.35% 77.50%
Debt to EBITDA		 1.64 1.69 2.43 1.28 3.21 2.63 1.79 0.84 1.00 1.78 1.98
Net Debt to EBITDA		 0.56 0.85 1.53 0.44 2.19 1.55 0.33 -1.78 -0.01 -4.19 -2.85
Long-Term Debt to EBITDA		 1.16 0.97 0.99 0.95 1.23 1.06 1.48 0.84 0.95 1.78 1.98
Debt to NOPAT		 3.23 3.53 4.85 3.03 5.37 4.31 3.42 1.32 1.50 2.66 2.93
Net Debt to NOPAT		 1.11 1.78 3.05 1.03 3.65 2.55 0.63 -2.79 -0.02 -6.24 -4.21
Long-Term Debt to NOPAT		 2.29 2.02 1.97 2.25 2.05 1.74 2.83 1.32 1.43 2.66 2.93
Noncontrolling Interest Sharing Ratio		 0.01% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 103 88 -29 149 -127 89 143 90 174 -38 19
Operating Cash Flow to CapEx		 1,187.17% 1,280.81% 1,297.24% 1,481.92% 3,208.87% 1,003.08% 295.39% 498.57% 618.88% 1,633.70% 599.78%
Free Cash Flow to Firm to Interest Expense		 16.06 13.47 -9.67 10.02 -5.00 2.76 9.72 11.68 10.18 -0.52 0.20
Operating Cash Flow to Interest Expense		 11.18 11.37 25.45 6.51 4.09 2.23 5.21 14.32 6.68 1.45 0.96
Operating Cash Flow Less CapEx to Interest Expense		 10.24 10.48 23.49 6.07 3.96 2.01 3.45 11.45 5.60 1.36 0.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 3.76 3.75 3.98 4.20 4.52 4.93 4.35 3.49 3.06 2.73 2.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 699 656 732 625 811 780 674 664 564 660 695
Invested Capital Turnover		 0.25 0.27 0.28 0.30 0.30 0.28 0.33 0.38 0.43 0.42 0.37
Increase / (Decrease) in Invested Capital		 -62 -42 76 -108 186 -31 -106 -10 -100 96 35
Enterprise Value (EV)		 584 581 862 724 772 825 477 469 497 143 562
Market Capitalization		 539 499 718 682 555 676 453 692 498 509 786
Book Value per Share		 $15.82 $15.79 $16.37 $16.60 $16.86 $18.63 $19.40 $19.96 $16.63 $18.63 $19.89
Tangible Book Value per Share		 $15.54 $15.55 $16.22 $16.53 $16.86 $18.63 $19.40 $19.96 $16.63 $18.63 $19.89
Total Capital		 699 656 732 625 811 780 674 664 564 660 695
Total Debt		 131 162 228 125 319 252 127 106 111 156 156
Total Long-Term Debt		 93 93 93 93 122 102 105 106 106 156 156
Net Debt		 45 82 143 42 217 149 23 -223 -1.19 -366 -225
Capital Expenditures (CapEx)		 6.02 5.82 5.90 6.53 3.23 7.20 26 22 18 6.43 15
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)		 131 162 228 125 319 252 127 106 111 156 156
Total Depreciation and Amortization (D&A)		 19 23 27 23 21 18 22 20 13 11 11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.08 $1.42 $1.52 $1.36 $2.02 $2.05 $1.33 $2.85 $2.70 $2.17 $1.97
Adjusted Weighted Average Basic Shares Outstanding		 34.76M 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
Adjusted Diluted Earnings per Share		 $1.07 $1.40 $1.50 $1.34 $2.01 $2.03 $1.32 $2.83 $2.68 $2.17 $1.97
Adjusted Weighted Average Diluted Shares Outstanding		 34.76M 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
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		 34.76M 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M
Normalized Net Operating Profit after Tax (NOPAT)		 40 46 47 41 59 58 37 80 74 59 53
Normalized NOPAT Margin		 21.92% 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33%
Pre Tax Income Margin		 32.96% 39.58% 37.75% 37.35% 36.94% 34.50% 20.19% 41.58% 37.49% 29.93% 27.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.52 11.13 22.32 5.02 3.09 2.41 3.33 13.69 5.78 1.06 0.72
NOPAT to Interest Expense		 6.33 7.00 15.64 2.77 2.35 1.81 2.53 10.36 4.33 0.81 0.57
EBIT Less CapEx to Interest Expense		 8.58 10.25 20.36 4.58 2.97 2.19 1.56 10.82 4.70 0.97 0.56
NOPAT Less CapEx to Interest Expense		 5.39 6.11 13.68 2.33 2.22 1.58 0.77 7.48 3.25 0.72 0.41
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.14% 57.00% 39.62% 51.69% 40.59% 44.08% 69.58% 33.74% 38.56% 47.92% 52.69%
Augmented Payout Ratio		 385.16% 260.91% 78.36% 116.15% 95.77% 83.16% 82.32% 57.11% 66.61% 52.41% 54.46%

Quarterly Metrics And Ratios for CPB

This table displays calculated financial ratios and metrics derived from CPB's official financial filings.

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

Financials Breakdown Chart

Key Financial Trends

Central Pacific Financial Corp (NYSE: CPF) Financial Analysis Summary:

Over the past several quarters and years, Central Pacific Financial Corp has shown steady financial performance with a consistent increase in net income and improvements across key income and balance sheet metrics.

  • Net Interest Income has grown from approximately $54.2 million in Q1 2023 to $57.7 million in Q1 2025, indicating healthy core banking operations.
  • Total Non-Interest Income has generally remained stable with a slight increase to $11.1 million in Q1 2025, providing diversified revenue streams beyond interest income.
  • Provision for Credit Losses increased in Q1 2025 to $4.2 million compared to prior quarters but remains manageable relative to total assets and revenues, demonstrating prudent risk management.
  • Net Income rose substantially from $12.9 million in Q1 2024 to $17.8 million in Q1 2025, reflecting growing profitability and efficient expense management.
  • Diluted EPS improved from $0.48 in Q1 2024 to $0.65 in Q1 2025, indicating value creation for shareholders and earnings growth.
  • Total assets have remained relatively stable around $7.4 billion in recent quarters, suggesting steady asset base without rapid growth or shrinkage.
  • Deposits, including interest-bearing and non-interest-bearing, showed fluctuations but remain a strong funding base above $6.5 billion.
  • Significant negative net cash flow in financing activities in Q1 2025 (-$82.4 million) reflects debt repayments and dividend payments exceeding new financing inflows.
  • Other Operating Expenses increased to $13.9 million in Q1 2025 from $9.2 million in Q1 2023, potentially impacting operating margins if the trend continues.
  • Interest expense increased somewhat over the last two years, with total interest expense at $19.5 million in Q1 2025, compared to $12.6 million in Q1 2023, which may pressure net interest margins.

Overall, Central Pacific Financial Corp is demonstrating positive earnings growth and solid operational results, supported by steady interest income and controlled credit losses. However, investors should watch the rising non-interest operating expenses and increased interest expense, as well as cash flow related to financing activities, for potential impacts on profitability and liquidity going forward.

10/09/25 10:45 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About CPB's Financials

When does CPB's fiscal year end?

According to the most recent income statement we have on file, CPB's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has CPB's net income changed over the last 10 years?

CPB's net income appears to be on an upward trend, with a most recent value of $53.41 million in 2024, rising from $40.45 million in 2014. The previous period was $58.67 million in 2023. See where experts think CPB is headed by visiting CPB's forecast page.

How has CPB's revenue changed over the last 10 years?

Over the last 10 years, CPB's total revenue changed from $184.58 million in 2014 to $250.46 million in 2024, a change of 35.7%.

How much debt does CPB have?

CPB's total liabilities were at $6.93 billion at the end of 2024, a 2.9% decrease from 2023, and a 61.8% increase since 2014.

How much cash does CPB have?

In the past 10 years, CPB's cash and equivalents has ranged from $71.80 million in 2015 to $116.18 million in 2023, and is currently $77.77 million as of their latest financial filing in 2024.

How has CPB's book value per share changed over the last 10 years?

Over the last 10 years, CPB's book value per share changed from 15.82 in 2014 to 19.89 in 2024, a change of 25.7%.


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This page (NYSE:CPF) was last updated on 10/9/2025 by MarketBeat.com Staff
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