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.
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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% |
Key Financial Trends
Central Pacific Financial Corp (NYSE:CPF) has exhibited solid financial performance over the last four years with consistent profitability, healthy net interest income, and stable operating metrics. Below are the key trends and observations from the latest quarterly and historical financial statements:
- Increasing Quarterly Net Income: Net income rose to $17.76 million in Q1 2025 from $11.35 million in Q4 2024 and shows a generally upward trend over recent quarters, reflecting steady profitability improvement.
- Strong Net Interest Income: Net interest income improved to $57.7 million in Q1 2025 from $55.8 million in Q4 2024, a key driver of the company’s revenue given its banking focus.
- Consistent Earnings Per Share Growth: Basic EPS increased to $0.66 in Q1 2025 from $0.42 in Q4 2024, supported by rising net income and stable share count.
- Solid Operating Cash Flow: Net cash from operating activities was strong at $20.44 million in Q1 2025, indicating good cash conversion from earnings.
- Relatively Stable Balance Sheet Assets: Total assets were $7.41 billion as of Q1 2025, consistent with previous quarters, showing a stable asset base with loans and leases slightly fluctuating around $5.3 billion.
- Provision for Credit Losses Increase: In Q1 2025, the provision for credit losses increased to $4.17 million compared to $818,000 in Q4 2024, suggesting heightened caution on potential loan impairments, but still moderate relative to portfolio size.
- Deposit and Debt Activity Impacting Cash Flow: There was a significant $48 million decrease in deposits and a $25 million repayment of debt in Q1 2025, driving financing cash outflows of $82.4 million, reflecting active balance sheet management.
- Increase in Other Operating Expenses: Other operating expenses rose to $13.9 million in Q1 2025 from $16.5 million in Q4 2024 but showed some quarter-to-quarter volatility requiring monitoring.
- Decline in Non-Interest Income (Trailing Quarters): Non-interest income saw variability, with $11.1 million in Q1 2025 but as low as $2.6 million in Q4 2024, highlighting potential volatility in fee and service-related revenues.
- Accrued Interest Payable Decline: Accrued interest payable fell from approximately $16.7 million in Q1 2024 to about $8.8 million in Q1 2025, possibly impacting interest expense timing.
Summary: Central Pacific Financial Corp has displayed steady growth in net income and earnings per share, backed by healthy net interest income. The company maintains solid operating cash flow despite some variability in non-interest income and provisions for credit losses. Balances in loans, deposits, and equity remain relatively stable, indicating consistent financial management. Investors should watch for trends in credit loss provisions and expense management that might affect future profitability.
08/29/25 09:29 PM ETAI Generated. May Contain Errors.