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) Financial Overview:
Analyzing the last four years of financial data for Central Pacific Financial Corp reveals several important trends. Below is a summary of key points across income statements, cash flow statements, and balance sheets.
- Consistent growth in Net Interest Income: Net interest income increased from approximately $50.2 million in Q1 2024 to about $57.7 million in Q1 2025, reflecting improved core lending and deposit activities.
- Rising net income: Net income attributable to common shareholders has generally increased year-over-year, reaching $17.76 million in Q1 2025, up from $12.9 million in Q1 2024 and $16.2 million in Q1 2023.
- Stable dividend payments: The company maintained a consistent dividend of $0.26 to $0.27 per share in most quarters, indicating a stable shareholder return policy.
- Strong operating cash flows: Net cash from continuing operating activities remains robust, peaking at $25.95 million in Q2 2024 and solidly at $20.44 million in Q1 2025, supporting overall financial flexibility.
- Good asset growth: Total assets grew steadily from about $7.34 billion in Q3 2022 to $7.41 billion in Q3 2024 and $7.41 billion in Q1 2025, ensuring expanded business capacity.
- Elevated non-interest expenses: Non-interest expenses have been relatively high and slightly increasing, e.g., $42 million in Q1 2025 and over $44 million in Q4 2024, which could pressure margins if revenue growth slows.
- Provision for credit losses: Fluctuations in loan loss provisions, with a notable increase to $4.17 million in Q1 2025 from $0.82 million in Q4 2024, suggest the company is adjusting for credit risk dynamically.
- Deposit fluctuations: Deposits as liabilities are substantial but have experienced moderate changes, impacting liquidity management; Q1 2025 saw deposits around $6.6 billion combined (interest bearing and non-interest bearing).
- Decline in total non-interest income in Q1 2025: Total non-interest income dropped to $11.1 million in Q1 2025 from $26.2 million in Q4 2024, likely due to reduced fees or other non-core revenue streams.
- Negative net cash flow from financing activities in Q1 2025: The company used significant cash in financing activities (-$82.38 million), driven by deposit outflows and debt repayments, which reduces liquidity.
Summary: Central Pacific Financial Corp maintains a solid core earnings profile with steady net interest income and growing net income alongside consistent dividends. The company benefits from strong operating cash flows and asset growth. However, recent quarters indicate some pressure from rising non-interest expenses and fluctuating non-interest income. Cash flow from financing activities in Q1 2025 was significantly negative, warranting attention to capital and liquidity strategies.
08/09/25 03:10 PMAI Generated. May Contain Errors.