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CPB (CPF) Financials

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$36.08 +0.06 (+0.17%)
Closing price 03:59 PM Eastern
Extended Trading
$36.08 0.00 (-0.01%)
As of 05:43 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 46 31 33 58 58 37 80 74 59 53 77
Consolidated Net Income / (Loss)		 46 47 41 59 58 37 80 74 59 53 77
Net Income / (Loss) Continuing Operations		 46 31 33 58 58 37 80 74 59 53 77
Total Pre-Tax Income 		73 73 76 78 78 49 106 99 77 68 98
Total Revenue		 184 194 203 212 226 243 254 263 257 250 293
Net Interest Income / (Expense)		 150 158 168 173 184 198 211 216 210 212 241
Total Interest Income		 156 167 183 198 216 212 219 233 283 306 314
Loans and Leases Interest Income		 119 132 144 160 184 187 194 201 244 259 265
Investment Securities Interest Income		 37 35 38 38 33 26 24 31 32 36 42
Deposits and Money Market Investments Interest Income		 0.04 0.07 0.36 0.37 0.20 0.05 0.26 0.74 7.16 12 7.10
Total Interest Expense		 6.55 3.01 15 25 32 15 7.72 17 73 94 73
Deposits Interest Expense		 3.63 -5.61 11 20 24 10 3.62 11 63 85 66
Short-Term Borrowings Interest Expense		 0.30 -0.58 0.18 1.24 4.29 0.72 0.00 1.06 1.14 0.00 0.00
Long-Term Debt Interest Expense		 2.63 9.19 3.48 4.56 4.08 3.60 4.10 4.93 8.63 9.08 7.14
Total Non-Interest Income		 35 42 35 39 42 45 43 48 47 39 52
Service Charges on Deposit Accounts		 7.83 7.89 8.47 8.41 8.41 6.23 6.36 8.20 8.75 8.66 9.02
Other Service Charges		 15 15 14 16 26 17 20 21 28 24 26
Net Realized & Unrealized Capital Gains on Investments		 -0.27 5.39 -0.07 -0.05 0.04 -0.20 0.15 8.51 -2.07 -9.93 -0.03
Other Non-Interest Income		 9.29 11 13 14 7.50 22 16 10 12 16 17
Provision for Credit Losses		 -16 -5.52 -2.67 -1.12 6.35 42 -15 -1.27 16 9.83 16
Total Non-Interest Expense		 127 133 131 135 142 152 163 166 164 173 179
Salaries and Employee Benefits		 66 74 72 75 81 84 90 89 82 86 94
Net Occupancy & Equipment Expense		 18 17 17 18 19 20 20 21 22 22 21
Marketing Expense		 2.55 2.40 2.41 2.68 2.66 3.79 5.50 4.15 3.89 3.62 3.39
Other Operating Expenses		 40 31 36 37 39 44 47 52 56 61 60
Income Tax Expense		 27 26 35 19 20 12 26 25 18 15 21
Basic Earnings per Share		 $1.42 $1.52 $1.36 $2.02 $2.05 $1.33 $2.85 $2.70 $2.17 $1.97 $2.88
Weighted Average Basic Shares Outstanding		 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
Diluted Earnings per Share		 $1.40 $1.50 $1.34 $2.01 $2.03 $1.32 $2.83 $2.68 $2.17 $1.97 $2.86
Weighted Average Diluted Shares Outstanding		 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
Weighted Average Basic & Diluted Shares Outstanding		 32.24M 31.01M 30.40M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
Cash Dividends to Common per Share		 $0.82 $0.60 $0.70 $0.82 $0.90 $0.92 $0.96 $1.04 $1.04 $1.04 $1.09

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 13 15 13 16 13 11 18 18 19 23 21
Consolidated Net Income / (Loss)		 13 15 13 16 13 11 18 18 19 23 21
Net Income / (Loss) Continuing Operations		 13 15 13 16 13 11 18 18 19 23 21
Total Pre-Tax Income 		17 19 17 21 17 13 23 24 24 28 27
Total Revenue		 62 66 61 64 67 58 69 73 75 76 73
Net Interest Income / (Expense)		 52 51 50 52 54 56 58 60 61 62 61
Total Interest Income		 72 74 74 76 78 78 77 78 80 79 77
Loans and Leases Interest Income		 62 63 63 65 66 66 64 66 68 67 65
Investment Securities Interest Income		 7.73 7.98 7.87 9.06 9.53 9.35 11 11 10 10 9.89
Deposits and Money Market Investments Interest Income		 2.41 3.60 3.61 2.20 2.78 3.00 2.25 1.48 1.86 1.50 2.50
Total Interest Expense		 20 23 24 24 24 22 20 18 19 17 16
Deposits Interest Expense		 18 21 22 22 22 20 17 16 17 15 15
Long-Term Debt Interest Expense		 2.29 2.30 2.28 2.28 2.29 2.23 2.09 1.85 1.86 1.35 1.05
Total Non-Interest Income		 10 15 11 12 13 2.62 11 13 14 14 12
Service Charges on Deposit Accounts		 2.19 2.31 2.10 2.14 2.17 2.25 2.15 2.12 2.33 2.42 2.30
Other Service Charges		 5.61 11 5.57 6.26 6.40 6.00 6.23 6.38 6.82 6.25 6.80
Other Non-Interest Income		 2.38 3.90 3.57 3.72 4.17 4.31 2.72 4.51 4.38 5.53 2.47
Provision for Credit Losses		 4.87 4.65 3.94 2.24 2.83 0.82 4.17 4.99 4.16 2.40 2.35
Total Non-Interest Expense		 40 43 41 41 47 44 42 44 47 46 44
Salaries and Employee Benefits		 19 20 21 21 22 22 22 23 25 24 23
Net Occupancy & Equipment Expense		 5.84 5.64 5.61 5.59 5.58 5.10 5.47 5.20 5.47 5.26 5.13
Marketing Expense		 0.97 1.05 0.91 0.90 0.89 0.91 0.89 0.83 0.73 0.94 1.00
Other Operating Expenses		 14 16 13 13 18 17 14 15 16 15 14
Income Tax Expense		 4.35 4.27 3.97 4.84 3.76 2.06 4.79 5.61 5.07 5.34 6.19
Basic Earnings per Share		 $0.49 $0.54 $0.48 $0.58 $0.49 $0.42 $0.66 $0.68 $0.69 $0.85 $0.79
Weighted Average Basic Shares Outstanding		 27.04M 27.05M 27.05M 27.05M 27.06M 27.07M 27.09M 26.99M 26.97M 26.29M 26.28M
Diluted Earnings per Share		 $0.49 $0.55 $0.48 $0.58 $0.49 $0.42 $0.65 $0.67 $0.69 $0.85 $0.78
Weighted Average Diluted Shares Outstanding		 27.08M 27.05M 27.10M 27.12M 27.19M 27.07M 27.21M 27.07M 27.08M 26.29M 26.41M
Weighted Average Basic & Diluted Shares Outstanding		 27.04M 27.05M 27.04M 27.06M 27.06M 27.07M 26.98M 26.98M 26.83M 26.29M 26.10M
Cash Dividends to Common per Share		 $0.26 $0.26 $0.26 $0.26 $0.26 $0.26 $0.27 $0.27 $0.27 $0.28 $0.29

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -5.81 4.15 -2.05 20 0.79 1.10 225 -217 410 -141 -2.29
Net Cash From Operating Activities		 75 76 97 103 72 77 110 114 105 91 97
Net Cash From Continuing Operating Activities		 75 76 97 103 72 77 110 114 105 91 97
Net Income / (Loss) Continuing Operations		 46 47 41 59 58 37 80 74 59 53 77
Consolidated Net Income / (Loss)		 46 47 41 59 58 37 80 74 59 53 77
Provision For Loan Losses		 -16 -5.52 -2.67 -1.12 6.35 42 -15 -1.27 16 9.83 16
Depreciation Expense		 5.87 6.05 6.44 6.29 6.14 6.22 6.98 6.87 6.94 6.88 7.10
Amortization Expense		 17 21 17 15 12 16 13 5.69 3.79 4.00 -0.44
Non-Cash Adjustments to Reconcile Net Income		 24 0.35 47 12 -13 -28 18 17 -1.03 5.49 -18
Changes in Operating Assets and Liabilities, net		 -2.53 7.93 -12 13 2.07 2.96 7.39 12 21 11 16
Net Cash From Investing Activities		 -315 -277 -296 -211 -129 -597 -662 -384 180 0.65 67
Net Cash From Continuing Investing Activities		 -315 -277 -296 -211 -129 -597 -662 -384 180 0.65 67
Purchase of Property, Leasehold Improvements and Equipment		 -5.82 -5.90 -6.53 -3.23 -7.20 -26 -22 -18 -13 -15 -5.16
Purchase of Investment Securities		 -669 -513 -607 -394 -433 -1,114 -1,213 -567 44 -174 -20
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 0.00 6.22 0.00 0.00
Sale and/or Maturity of Investments		 324 245 313 198 311 545 576 213 141 209 122
Other Investing Activities, net		 35 -2.97 3.70 -12 0.44 -1.69 -2.64 -11 0.71 -19 -29
Net Cash From Financing Activities		 235 205 197 128 58 521 777 53 126 -233 -167
Net Cash From Continuing Financing Activities		 235 205 197 128 58 521 777 53 126 -233 -167
Net Change in Deposits		 323 175 348 -9.86 174 676 843 97 111 -204 -34
Issuance of Debt		 31 66 0.00 215 -47 120 0.00 0.00 50 0.00 0.00
Repayment of Debt		 - 0.00 -103 -21 -21 -244 -22 5.00 -5.00 0.00 -80
Repurchase of Common Equity		 -94 -18 -27 -33 -23 -4.75 -19 -21 -2.63 -0.95 -23
Payment of Dividends		 -26 -19 -21 -24 -26 -26 -27 -29 -28 -28 -29
Cash Interest Paid		 6.45 8.71 13 24 33 17 8.32 13 58 103 70
Cash Income Taxes Paid		 1.64 1.61 8.40 0.02 24 20 23 5.58 7.31 -9.21 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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 128 84 -210 -14 28 54 -104 40 -7.08 69 28
Net Cash From Operating Activities		 35 22 17 26 21 26 20 34 22 21 18
Net Cash From Continuing Operating Activities		 35 22 17 26 21 26 20 34 22 21 18
Net Income / (Loss) Continuing Operations		 13 15 13 16 13 11 18 18 19 23 21
Consolidated Net Income / (Loss)		 13 15 13 16 13 11 18 18 19 23 21
Provision For Loan Losses		 4.87 4.65 3.94 2.24 2.83 0.82 4.17 4.99 4.16 2.40 2.35
Depreciation Expense		 1.83 1.74 1.75 1.71 1.68 1.75 1.74 1.82 1.79 1.75 1.73
Amortization Expense		 0.97 0.83 0.74 0.73 0.67 1.86 -0.13 -0.01 -0.17 -0.13 -0.07
Non-Cash Adjustments to Reconcile Net Income		 -0.98 -5.19 0.97 -6.06 12 -1.23 6.32 -8.02 -0.04 -16 -6.96
Changes in Operating Assets and Liabilities, net		 15 4.85 -3.34 12 -9.04 12 -9.42 17 -2.08 9.91 0.55
Net Cash From Investing Activities		 31 96 10 3.49 13 -26 -42 67 -52 95 -62
Net Cash From Continuing Investing Activities		 31 96 10 3.49 13 -26 -42 67 -52 95 -62
Purchase of Property, Leasehold Improvements and Equipment		 -2.70 -1.68 -3.25 -4.68 -5.65 -1.51 -0.89 -2.00 -0.87 -1.40 -1.07
Purchase of Investment Securities		 42 36 -33 -19 3.92 -161 -46 -89 -35 149 -83
Sale and/or Maturity of Investments		 -8.71 53 54 27 25 137 23 140 -13 -28 25
Other Investing Activities, net		 -0.36 2.95 -7.71 -0.08 -10 -0.89 -18 18 -3.51 -25 -3.05
Net Cash From Financing Activities		 62 -34 -237 -43 -6.48 54 -82 -61 23 -47 71
Net Cash From Continuing Financing Activities		 62 -34 -237 -43 -6.48 54 -82 -61 23 -47 71
Net Change in Deposits		 69 -27 -229 -36 0.56 61 -48 -51 33 32 90
Repayment of Debt		 - - 0.00 - - - -25 - - -55 0.00
Repurchase of Common Equity		 -0.07 - -0.95 - - - -2.09 -2.58 -2.34 -16 -11
Payment of Dividends		 -7.03 -7.03 -7.03 -7.04 -7.04 -7.04 -7.33 -7.29 -7.28 -7.46 -7.61
Cash Interest Paid		 15 21 27 26 26 25 21 18 19 12 15
Cash Income Taxes Paid		 3.51 -0.00 - - - -9.21 0.00 - 5.21 14 1.82

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 5,131 5,384 5,624 5,807 6,013 6,595 7,419 7,433 7,643 7,472 7,409
Cash and Due from Banks		 72 75 75 81 78 98 82 97 116 78 88
Interest Bearing Deposits at Other Banks		 8.40 9.07 6.98 22 25 6.52 247 15 406 303 290
Trading Account Securities		 1,520 1,462 1,497 1,355 1,128 1,184 1,632 1,338 1,281 1,340 1,312
Loans and Leases, Net of Allowance		 3,148 3,468 3,721 4,030 4,402 4,881 5,034 5,492 5,375 5,274 5,229
Loans and Leases		 3,212 3,525 3,771 4,078 4,450 4,964 5,102 5,555 5,439 5,333 5,289
Allowance for Loan and Lease Losses		 63 57 50 48 48 83 68 64 64 59 60
Premises and Equipment, Net		 49 48 48 45 46 65 80 92 96 104 101
Other Assets		 312 285 257 268 325 344 341 400 368 373 389
Total Liabilities & Shareholders' Equity		 5,131 5,384 5,624 5,807 6,013 6,595 7,419 7,433 7,643 7,472 7,409
Total Liabilities		 4,637 4,880 5,124 5,315 5,484 6,048 6,861 6,980 7,139 6,934 6,817
Non-Interest Bearing Deposits		 1,145 1,265 1,396 1,437 1,451 1,790 2,291 2,093 1,913 1,889 1,891
Interest Bearing Deposits		 3,288 3,343 3,515 3,510 3,669 4,006 4,348 4,643 4,934 4,755 4,719
Accrued Interest Payable		 - - - - - - - 4.74 19 10 7.07
Long-Term Debt		 93 93 93 122 102 105 106 106 156 156 77
Other Long-Term Liabilities		 41 44 43 50 113 124 116 128 116 123 123
Commitments & Contingencies		 - - - - - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 495 505 500 492 529 547 558 453 504 538 593
Total Preferred & Common Equity		 495 505 500 492 529 547 558 453 504 538 593
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		 495 505 500 492 529 547 558 453 504 538 593
Common Stock		 632 615 590 560 539 537 524 509 508 510 488
Retained Earnings		 -137 -109 -89 -52 -19 -11 42 87 118 143 191
Accumulated Other Comprehensive Income / (Loss)		 0.20 -1.52 -1.04 -16 8.41 20 -7.96 -144 -123 -114 -87

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 7,338 7,521 7,568 7,638 7,410 7,387 7,415 7,405 7,370 7,421 7,495
Cash and Due from Banks		 116 109 129 109 98 104 100 107 111 103 89
Interest Bearing Deposits at Other Banks		 22 90 182 330 214 195 227 170 206 207 318
Trading Account Securities		 1,351 1,346 1,317 1,265 1,287 1,297 1,331 1,373 1,346 1,331 1,336
Loans and Leases, Net of Allowance		 5,358 5,494 5,457 5,444 5,338 5,321 5,281 5,274 5,230 5,307 5,260
Loans and Leases		 5,422 5,557 5,521 5,509 5,401 5,384 5,343 5,335 5,290 5,367 5,320
Allowance for Loan and Lease Losses		 64 63 64 65 64 62 62 60 60 60 60
Premises and Equipment, Net		 90 94 96 97 98 101 105 103 104 101 100
Other Assets		 400 389 387 392 375 369 372 378 373 373 392
Total Liabilities & Shareholders' Equity		 7,338 7,521 7,568 7,638 7,410 7,387 7,415 7,405 7,370 7,421 7,495
Total Liabilities		 6,899 7,050 7,091 7,169 6,903 6,868 6,872 6,848 6,801 6,833 6,901
Non-Interest Bearing Deposits		 2,138 2,028 2,009 1,970 1,849 1,847 1,838 1,854 1,938 1,904 1,898
Interest Bearing Deposits		 4,418 4,719 4,796 4,905 4,770 4,735 4,745 4,742 4,607 4,674 4,802
Accrued Interest Payable		 - - - - 17 15 13 8.76 8.76 8.60 6.43
Long-Term Debt		 106 156 156 156 156 156 156 131 131 132 77
Other Long-Term Liabilities		 122 122 130 139 111 115 119 112 115 116 119
Commitments & Contingencies		 - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 438 471 476 469 507 519 544 557 569 588 594
Total Preferred & Common Equity		 438 471 476 469 507 519 544 557 569 588 594
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		 438 471 476 469 507 519 544 557 569 588 594
Common Stock		 513 507 508 508 508 509 509 507 506 504 477
Retained Earnings		 74 97 104 110 124 133 139 154 165 176 204
Accumulated Other Comprehensive Income / (Loss)		 -149 -133 -135 -150 -124 -123 -105 -104 -102 -92 -88

Annual Metrics And Ratios for CPB

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 26,827,512.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 26,827,512.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.89
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.14% 5.29% 4.56% 4.37% 6.64% 7.53% 4.62% 3.69% -2.59% -2.42% 16.87%
EBITDA Growth		 20.18% -2.20% 4.04% 1.74% -3.53% -25.54% 75.64% -11.14% -21.38% -9.83% 32.98%
EBIT Growth		 19.91% -8.05% 11.10% 4.99% -0.41% -37.08% 115.47% -6.51% -22.22% -11.43% 44.45%
NOPAT Growth		 13.39% 2.45% -12.32% 44.37% -1.96% -36.09% 114.35% -7.47% -20.64% -8.96% 45.06%
Net Income Growth		 13.39% 2.45% -12.32% 44.37% -1.96% -36.09% 114.35% -7.47% -20.64% -8.96% 45.06%
EPS Growth		 30.84% 7.14% -10.67% 50.00% 1.00% -34.98% 114.39% -5.30% -19.03% -9.22% 45.18%
Operating Cash Flow Growth		 4.30% 2.66% 26.54% 6.92% -30.24% 6.37% 43.88% 3.29% -7.89% -13.88% 7.67%
Free Cash Flow Firm Growth		 -13.98% -132.90% 612.48% -185.05% 170.42% 60.66% -37.07% 93.15% -121.55% 149.57% 454.23%
Invested Capital Growth		 -6.07% 11.58% -14.70% 29.78% -3.80% -13.58% -1.52% -15.09% 17.06% 5.28% -3.69%
Revenue Q/Q Growth		 0.06% 1.80% 1.66% 1.67% 1.63% 3.33% -0.34% 1.24% -0.61% -3.06% 6.51%
EBITDA Q/Q Growth		 -0.42% -3.19% 2.85% 3.58% -2.25% -2.92% 10.71% -3.57% -8.58% -5.62% 13.91%
EBIT Q/Q Growth		 -2.15% -5.51% 4.97% 6.47% -3.03% -6.52% 15.26% -3.00% -9.16% -7.78% 17.74%
NOPAT Q/Q Growth		 -4.84% 2.79% -16.12% 23.98% -2.66% -5.16% 14.56% -2.82% -8.31% -6.18% 17.48%
Net Income Q/Q Growth		 -4.84% 2.79% -16.12% 23.98% -2.66% -5.16% 14.56% -2.82% -8.31% -6.18% 17.48%
EPS Q/Q Growth		 -1.41% 3.45% -15.72% 24.07% -1.46% -4.35% 14.11% -2.19% -7.66% -6.19% 17.70%
Operating Cash Flow Q/Q Growth		 5.19% -6.29% 15.15% 4.50% -6.43% 27.74% -0.73% -2.94% -9.09% 5.47% -5.61%
Free Cash Flow Firm Q/Q Growth		 315.20% -184.22% -28.70% -400.36% 192.94% 631.32% -65.36% 123.67% -138.05% 200.88% 122.32%
Invested Capital Q/Q Growth		 -12.60% -3.91% 3.68% 19.97% -6.22% -20.83% 0.43% -14.49% 5.65% -0.75% -7.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 52.04% 48.34% 48.10% 46.89% 42.41% 29.37% 49.30% 42.25% 34.10% 31.51% 35.85%
EBIT Margin		 39.58% 34.56% 36.73% 36.94% 34.50% 20.19% 41.58% 37.49% 29.93% 27.17% 33.58%
Profit (Net Income) Margin		 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33% 26.47%
Tax Burden Percent		 62.87% 64.14% 54.36% 76.03% 74.84% 76.02% 75.62% 74.85% 76.37% 78.50% 78.84%
Interest Burden Percent		 100.00% 109.22% 101.71% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.13% 35.86% 45.64% 23.97% 25.16% 23.98% 24.38% 25.15% 23.63% 21.50% 21.16%
Return on Invested Capital (ROIC)		 6.77% 6.77% 6.07% 8.29% 7.33% 5.13% 11.94% 12.04% 9.59% 7.89% 11.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.77% 6.77% 6.07% 8.29% 7.33% 5.13% 11.94% 12.04% 9.59% 7.89% 11.36%
Return on Net Nonoperating Assets (RNNOA)		 1.86% 2.64% 2.13% 3.71% 4.10% 1.81% 2.52% 2.58% 2.68% 2.36% 2.34%
Return on Equity (ROE)		 8.63% 9.40% 8.20% 12.00% 11.43% 6.93% 14.46% 14.62% 12.27% 10.25% 13.70%
Cash Return on Invested Capital (CROIC)		 13.03% -4.18% 21.93% -17.63% 11.21% 19.70% 13.47% 28.36% -6.13% 2.75% 15.12%
Operating Return on Assets (OROA)		 1.46% 1.28% 1.35% 1.37% 1.32% 0.78% 1.51% 1.33% 1.02% 0.90% 1.32%
Return on Assets (ROA)		 0.92% 0.89% 0.75% 1.04% 0.99% 0.59% 1.14% 1.00% 0.78% 0.71% 1.04%
Return on Common Equity (ROCE)		 8.63% 9.40% 8.20% 12.00% 11.43% 6.93% 14.46% 14.62% 12.27% 10.25% 13.70%
Return on Equity Simple (ROE_SIMPLE)		 9.27% 9.31% 8.24% 12.10% 11.04% 6.82% 14.31% 16.32% 11.64% 9.92% 13.08%
Net Operating Profit after Tax (NOPAT)		 46 47 41 59 58 37 80 74 59 53 77
NOPAT Margin		 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33% 26.47%
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		 47.14% 48.11% 45.36% 45.34% 45.24% 44.19% 45.72% 43.32% 42.11% 44.49% 40.50%
Operating Expenses to Revenue		 68.92% 68.28% 64.59% 63.59% 62.69% 62.47% 64.16% 63.00% 63.95% 68.91% 61.05%
Earnings before Interest and Taxes (EBIT)		 73 67 75 78 78 49 106 99 77 68 98
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 96 94 98 99 96 71 125 111 88 79 105
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 1.42 1.36 1.13 1.28 0.83 1.24 1.10 1.01 1.46 1.40
Price to Tangible Book Value (P/TBV)		 1.02 1.44 1.37 1.13 1.28 0.83 1.24 1.10 1.01 1.46 1.40
Price to Revenue (P/Rev)		 2.71 3.70 3.36 2.62 2.99 1.87 2.72 1.89 1.98 3.14 2.83
Price to Earnings (P/E)		 10.88 23.42 20.87 9.63 11.60 12.17 8.66 6.74 8.68 14.72 10.70
Dividend Yield		 4.27% 2.57% 3.09% 4.31% 3.78% 5.72% 3.88% 5.68% 5.52% 3.58% 3.53%
Earnings Yield		 9.19% 4.27% 4.79% 10.39% 8.62% 8.22% 11.54% 14.84% 11.52% 6.79% 9.35%
Enterprise Value to Invested Capital (EV/IC)		 0.88 1.18 1.16 0.95 1.06 0.71 0.71 0.88 0.22 0.81 0.79
Enterprise Value to Revenue (EV/Rev)		 3.15 4.44 3.57 3.64 3.65 1.96 1.85 1.89 0.56 2.24 1.80
Enterprise Value to EBITDA (EV/EBITDA)		 6.06 9.19 7.42 7.77 8.61 6.69 3.74 4.47 1.63 7.12 5.02
Enterprise Value to EBIT (EV/EBIT)		 7.96 12.85 9.72 9.86 10.59 9.73 4.44 5.03 1.86 8.25 5.36
Enterprise Value to NOPAT (EV/NOPAT)		 12.66 18.34 17.58 12.97 14.15 12.79 5.87 6.72 2.44 10.52 6.80
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.80 11.27 7.48 7.46 11.43 6.21 4.24 4.36 1.36 6.20 5.40
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.58 0.00 4.87 0.00 9.25 3.33 5.20 2.86 0.00 30.20 5.11
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.45 0.25 0.65 0.48 0.23 0.19 0.24 0.31 0.29 0.13
Long-Term Debt to Equity		 0.19 0.18 0.19 0.25 0.19 0.19 0.19 0.23 0.31 0.29 0.13
Financial Leverage		 0.28 0.39 0.35 0.45 0.56 0.35 0.21 0.21 0.28 0.30 0.21
Leverage Ratio		 9.40 10.52 10.96 11.53 11.59 11.72 12.68 14.69 15.76 14.50 13.16
Compound Leverage Factor		 9.40 11.49 11.14 11.53 11.59 11.72 12.68 14.69 15.76 14.50 13.16
Debt to Total Capital		 24.65% 31.10% 19.97% 39.36% 32.25% 18.90% 15.91% 19.67% 23.65% 22.50% 11.44%
Short-Term Debt to Total Capital		 10.51% 18.43% 5.12% 24.29% 19.23% 3.26% 0.00% 0.89% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 14.13% 12.67% 14.85% 15.07% 13.02% 15.63% 15.91% 18.78% 23.65% 22.50% 11.44%
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% 0.01% 0.01% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 75.35% 68.90% 80.02% 60.64% 67.75% 81.10% 84.08% 80.33% 76.35% 77.50% 88.56%
Debt to EBITDA		 1.69 2.43 1.28 3.21 2.63 1.79 0.84 1.00 1.78 1.98 0.73
Net Debt to EBITDA		 0.85 1.53 0.44 2.19 1.55 0.33 -1.78 -0.01 -4.19 -2.85 -2.88
Long-Term Debt to EBITDA		 0.97 0.99 0.95 1.23 1.06 1.48 0.84 0.95 1.78 1.98 0.73
Debt to NOPAT		 3.53 4.85 3.03 5.37 4.31 3.42 1.32 1.50 2.66 2.93 0.99
Net Debt to NOPAT		 1.78 3.05 1.03 3.65 2.55 0.63 -2.79 -0.02 -6.24 -4.21 -3.90
Long-Term Debt to NOPAT		 2.02 1.97 2.25 2.05 1.74 2.83 1.32 1.43 2.66 2.93 0.99
Noncontrolling Interest Sharing Ratio		 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 88 -29 149 -127 89 143 90 174 -38 19 103
Operating Cash Flow to CapEx		 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% 1,888.12%
Free Cash Flow to Firm to Interest Expense		 13.47 -9.67 10.02 -5.00 2.76 9.72 11.68 10.18 -0.52 0.20 1.41
Operating Cash Flow to Interest Expense		 11.37 25.45 6.51 4.09 2.23 5.21 14.32 6.68 1.45 0.96 1.33
Operating Cash Flow Less CapEx to Interest Expense		 10.48 23.49 6.07 3.96 2.01 3.45 11.45 5.60 1.36 0.80 1.26
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 3.75 3.98 4.20 4.52 4.93 4.35 3.49 3.06 2.73 2.50 2.86
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 656 732 625 811 780 674 664 564 660 695 669
Invested Capital Turnover		 0.27 0.28 0.30 0.30 0.28 0.33 0.38 0.43 0.42 0.37 0.43
Increase / (Decrease) in Invested Capital		 -42 76 -108 186 -31 -106 -10 -100 96 35 -26
Enterprise Value (EV)		 581 862 724 772 825 477 469 497 143 562 527
Market Capitalization		 499 718 682 555 676 453 692 498 509 786 829
Book Value per Share		 $15.79 $16.37 $16.60 $16.86 $18.63 $19.40 $19.96 $16.63 $18.63 $19.89 $22.09
Tangible Book Value per Share		 $15.55 $16.22 $16.53 $16.86 $18.63 $19.40 $19.96 $16.63 $18.63 $19.89 $22.09
Total Capital		 656 732 625 811 780 674 664 564 660 695 669
Total Debt		 162 228 125 319 252 127 106 111 156 156 77
Total Long-Term Debt		 93 93 93 122 102 105 106 106 156 156 77
Net Debt		 82 143 42 217 149 23 -223 -1.19 -366 -225 -302
Capital Expenditures (CapEx)		 5.82 5.90 6.53 3.23 7.20 26 22 18 6.43 15 5.16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 162 228 125 319 252 127 106 111 156 156 77
Total Depreciation and Amortization (D&A)		 23 27 23 21 18 22 20 13 11 11 6.66
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.42 $1.52 $1.36 $2.02 $2.05 $1.33 $2.85 $2.70 $2.17 $1.97 $2.88
Adjusted Weighted Average Basic Shares Outstanding		 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
Adjusted Diluted Earnings per Share		 $1.40 $1.50 $1.34 $2.01 $2.03 $1.32 $2.83 $2.68 $2.17 $1.97 $2.86
Adjusted Weighted Average Diluted Shares Outstanding		 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
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		 31.33M 30.77M 29.87M 28.86M 28.53M 56.37M 55.35M 26.97M 27.05M 27.07M 26.29M
Normalized Net Operating Profit after Tax (NOPAT)		 46 47 41 59 58 37 80 74 59 53 77
Normalized NOPAT Margin		 24.88% 24.21% 20.31% 28.09% 25.82% 15.35% 31.44% 28.06% 22.86% 21.33% 26.47%
Pre Tax Income Margin		 39.58% 37.75% 37.35% 36.94% 34.50% 20.19% 41.58% 37.49% 29.93% 27.17% 33.58%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 11.13 22.32 5.02 3.09 2.41 3.33 13.69 5.78 1.06 0.72 1.34
NOPAT to Interest Expense		 7.00 15.64 2.77 2.35 1.81 2.53 10.36 4.33 0.81 0.57 1.06
EBIT Less CapEx to Interest Expense		 10.25 20.36 4.58 2.97 2.19 1.56 10.82 4.70 0.97 0.56 1.27
NOPAT Less CapEx to Interest Expense		 6.11 13.68 2.33 2.22 1.58 0.77 7.48 3.25 0.72 0.41 0.99
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 57.00% 39.62% 51.69% 40.59% 44.08% 69.58% 33.74% 38.56% 47.92% 52.69% 37.89%
Augmented Payout Ratio		 260.91% 78.36% 116.15% 95.77% 83.16% 82.32% 57.11% 66.61% 52.41% 54.46% 68.01%

Quarterly Metrics And Ratios for CPB

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 26,827,512.00 26,289,976.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 26,827,512.00 26,289,976.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.85 0.79
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4.65% -2.32% -5.79% 1.38% 7.44% -11.94% 11.99% 13.69% 12.35% 30.63% 6.01%
EBITDA Growth		 -20.47% -27.45% -18.70% 6.60% -4.27% -21.65% 24.51% 11.23% 30.16% 75.36% 18.28%
EBIT Growth		 -22.73% -28.80% -20.37% 9.00% -2.43% -29.97% 33.29% 15.61% 38.54% 110.49% 19.34%
NOPAT Growth		 -21.38% -26.34% -20.03% 9.27% 1.25% -23.68% 37.20% 15.52% 39.60% 101.63% 16.69%
Net Income Growth		 -21.38% -26.34% -20.03% 9.27% 1.25% -23.68% 37.20% 15.52% 39.60% 101.63% 16.69%
EPS Growth		 -19.67% -24.66% -20.00% 9.43% 0.00% -23.64% 35.42% 15.52% 40.82% 102.38% 20.00%
Operating Cash Flow Growth		 2.27% -32.71% -6.96% -13.50% -39.64% 21.72% 20.26% 32.07% 4.56% -22.01% -10.33%
Free Cash Flow Firm Growth		 158.62% -167.58% 103.27% 52.95% -229.93% 71.14% -637.19% 73.13% 98.37% 306.57% 610.52%
Invested Capital Growth		 -5.25% 17.06% 1.77% 6.74% 12.07% 5.28% 3.83% 3.77% 2.80% -3.69% -2.66%
Revenue Q/Q Growth		 -1.89% 7.00% -7.36% 4.25% 3.97% -12.30% 17.80% 5.83% 2.75% 1.98% -4.40%
EBITDA Q/Q Growth		 -6.36% 7.03% -10.62% 19.00% -15.91% -12.39% 42.03% 6.31% -1.61% 18.04% -4.20%
EBIT Q/Q Growth		 -7.69% 9.43% -11.60% 22.06% -17.37% -21.46% 68.25% 5.88% -0.98% 19.33% -4.60%
NOPAT Q/Q Growth		 -9.22% 13.13% -12.92% 22.19% -15.88% -14.73% 56.54% 2.88% 1.66% 23.16% -9.40%
Net Income Q/Q Growth		 -9.22% 13.13% -12.92% 22.19% -15.88% -14.73% 56.54% 2.88% 1.66% 23.16% -9.40%
EPS Q/Q Growth		 -7.55% 12.24% -12.73% 20.83% -15.52% -14.29% 54.76% 3.08% 2.99% 23.19% -8.24%
Operating Cash Flow Q/Q Growth		 17.45% -38.66% -21.36% 52.68% -18.05% 23.70% -22.30% 67.68% -35.12% -7.73% -10.66%
Free Cash Flow Firm Q/Q Growth		 183.88% -270.24% 101.75% -1,980.21% -131.65% 62.19% 67.38% 5.96% 85.97% 4,899.70% -19.38%
Invested Capital Q/Q Growth		 -1.21% 5.65% 0.52% 1.73% 3.73% -0.75% -0.86% 1.68% 2.75% -7.01% 0.19%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 32.73% 32.74% 31.59% 36.05% 29.16% 29.13% 35.12% 35.28% 33.78% 39.10% 39.18%
EBIT Margin		 28.22% 28.86% 27.54% 32.25% 25.63% 22.95% 32.78% 32.79% 31.60% 36.98% 36.90%
Profit (Net Income) Margin		 21.20% 22.42% 21.07% 24.70% 19.98% 19.43% 25.82% 25.09% 24.83% 29.99% 28.42%
Tax Burden Percent		 75.13% 77.67% 76.51% 76.59% 77.97% 84.65% 78.75% 76.52% 78.56% 81.08% 77.01%
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		 24.87% 22.33% 23.49% 23.41% 22.03% 15.35% 21.25% 23.48% 21.44% 18.92% 22.99%
Return on Invested Capital (ROIC)		 8.53% 9.40% 8.10% 9.59% 7.80% 7.18% 9.84% 9.73% 9.61% 12.87% 12.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.53% 9.40% 8.10% 9.59% 7.80% 7.18% 9.84% 9.73% 9.61% 12.87% 12.41%
Return on Net Nonoperating Assets (RNNOA)		 3.54% 2.62% 2.79% 3.01% 2.40% 2.15% 2.66% 2.57% 2.44% 2.65% 2.24%
Return on Equity (ROE)		 12.07% 12.03% 10.90% 12.60% 10.20% 9.34% 12.50% 12.30% 12.06% 15.52% 14.65%
Cash Return on Invested Capital (CROIC)		 15.36% -6.13% 6.68% 2.17% -2.78% 2.75% 4.85% 5.12% 6.53% 15.12% 14.54%
Operating Return on Assets (OROA)		 0.97% 0.98% 0.93% 1.09% 0.88% 0.76% 1.14% 1.18% 1.17% 1.45% 1.47%
Return on Assets (ROA)		 0.73% 0.76% 0.71% 0.84% 0.69% 0.64% 0.90% 0.91% 0.92% 1.18% 1.13%
Return on Common Equity (ROCE)		 12.07% 12.03% 10.90% 12.60% 10.20% 9.34% 12.50% 12.30% 12.06% 15.52% 14.65%
Return on Equity Simple (ROE_SIMPLE)		 13.65% 0.00% 10.93% 10.95% 10.47% 0.00% 10.45% 10.67% 11.21% 0.00% 13.55%
Net Operating Profit after Tax (NOPAT)		 13 15 13 16 13 11 18 18 19 23 21
NOPAT Margin		 21.20% 22.42% 21.07% 24.70% 19.98% 19.43% 25.82% 25.09% 24.83% 29.99% 28.42%
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		 41.66% 40.49% 44.37% 43.31% 43.21% 47.38% 40.96% 39.46% 41.36% 40.23% 40.05%
Operating Expenses to Revenue		 63.91% 64.12% 66.05% 64.26% 70.12% 75.65% 61.16% 60.36% 62.84% 59.88% 59.87%
Earnings before Interest and Taxes (EBIT)		 17 19 17 21 17 13 23 24 24 28 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 22 19 23 19 17 24 26 25 30 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 1.01 1.04 1.11 1.47 1.46 1.31 1.33 1.39 1.40 1.41
Price to Tangible Book Value (P/TBV)		 0.91 1.01 1.04 1.11 1.47 1.46 1.31 1.33 1.39 1.40 1.41
Price to Revenue (P/Rev)		 1.66 1.98 2.09 2.26 3.09 3.14 2.84 2.84 2.98 2.83 2.83
Price to Earnings (P/E)		 6.70 8.68 9.51 10.10 14.03 14.72 12.57 12.46 12.41 10.70 10.44
Dividend Yield		 6.56% 5.52% 5.33% 4.91% 3.52% 3.58% 3.88% 3.78% 3.53% 3.53% 3.47%
Earnings Yield		 14.93% 11.52% 10.51% 9.90% 7.13% 6.79% 7.96% 8.03% 8.06% 9.35% 9.57%
Enterprise Value to Invested Capital (EV/IC)		 0.23 0.22 0.56 0.64 0.90 0.81 0.85 0.81 0.89 0.79 0.76
Enterprise Value to Revenue (EV/Rev)		 0.56 0.56 1.47 1.70 2.43 2.24 2.27 2.14 2.33 1.80 1.72
Enterprise Value to EBITDA (EV/EBITDA)		 1.52 1.63 4.46 5.10 7.51 7.12 7.01 6.61 6.95 5.02 4.67
Enterprise Value to EBIT (EV/EBIT)		 1.72 1.86 5.11 5.80 8.52 8.25 7.96 7.42 7.67 5.36 4.97
Enterprise Value to NOPAT (EV/NOPAT)		 2.28 2.44 6.69 7.59 11.04 10.52 10.07 9.40 9.71 6.80 6.34
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.26 1.36 3.57 4.32 7.32 6.20 6.24 5.58 6.20 5.40 5.35
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.48 0.00 8.44 30.41 0.00 30.20 17.87 16.21 13.81 5.11 5.16
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.31 0.31 0.30 0.29 0.29 0.24 0.23 0.22 0.13 0.13
Long-Term Debt to Equity		 0.33 0.31 0.31 0.30 0.29 0.29 0.24 0.23 0.22 0.13 0.13
Financial Leverage		 0.42 0.28 0.34 0.31 0.31 0.30 0.27 0.26 0.25 0.21 0.18
Leverage Ratio		 16.51 15.76 15.27 15.03 14.87 14.50 13.92 13.57 13.11 13.16 12.94
Compound Leverage Factor		 16.51 15.76 15.27 15.03 14.87 14.50 13.92 13.57 13.11 13.16 12.94
Debt to Total Capital		 24.98% 23.65% 23.54% 23.15% 22.33% 22.50% 19.08% 18.77% 18.28% 11.44% 11.42%
Short-Term Debt 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%
Long-Term Debt to Total Capital		 24.98% 23.65% 23.54% 23.15% 22.33% 22.50% 19.08% 18.77% 18.28% 11.44% 11.42%
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		 75.02% 76.35% 76.46% 76.85% 77.67% 77.50% 80.92% 81.23% 81.72% 88.56% 88.58%
Debt to EBITDA		 1.63 1.78 1.88 1.85 1.87 1.98 1.57 1.52 1.43 0.73 0.70
Net Debt to EBITDA		 -2.95 -4.19 -1.89 -1.69 -2.04 -2.85 -1.74 -2.15 -1.94 -2.88 -3.02
Long-Term Debt to EBITDA		 1.63 1.78 1.88 1.85 1.87 1.98 1.57 1.52 1.43 0.73 0.70
Debt to NOPAT		 2.44 2.66 2.82 2.75 2.75 2.93 2.26 2.17 1.99 0.99 0.95
Net Debt to NOPAT		 -4.42 -6.24 -2.83 -2.51 -2.99 -4.21 -2.50 -3.06 -2.70 -3.90 -4.10
Long-Term Debt to NOPAT		 2.44 2.66 2.82 2.75 2.75 2.93 2.26 2.17 1.99 0.99 0.95
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 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)		 48 -81 1.43 -27 -62 -23 -7.66 -7.20 -1.01 48 39
Operating Cash Flow to CapEx		 1,305.41% 1,285.66% 522.47% 554.61% 376.59% 1,738.73% 2,299.21% 1,714.51% 2,546.96% 1,464.45% 1,719.42%
Free Cash Flow to Firm to Interest Expense		 2.33 -3.54 0.06 -1.12 -2.58 -1.06 -0.39 -0.39 -0.05 2.89 2.48
Operating Cash Flow to Interest Expense		 1.72 0.94 0.70 1.08 0.88 1.19 1.05 1.87 1.19 1.22 1.16
Operating Cash Flow Less CapEx to Interest Expense		 1.59 0.87 0.57 0.89 0.65 1.12 1.00 1.76 1.14 1.14 1.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.76 2.73 2.64 2.57 2.56 2.50 2.56 2.61 2.67 2.86 2.92
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 625 660 663 675 700 695 689 700 720 669 670
Invested Capital Turnover		 0.40 0.42 0.38 0.39 0.39 0.37 0.38 0.39 0.39 0.43 0.44
Increase / (Decrease) in Invested Capital		 -35 96 12 43 75 35 25 25 20 -26 -18
Enterprise Value (EV)		 146 143 371 431 628 562 586 571 640 527 510
Market Capitalization		 429 509 527 573 799 786 732 756 819 829 840
Book Value per Share		 $17.33 $18.63 $18.75 $19.18 $20.09 $19.89 $20.59 $21.09 $21.80 $22.09 $22.59
Tangible Book Value per Share		 $17.33 $18.63 $18.75 $19.18 $20.09 $19.89 $20.59 $21.09 $21.80 $22.09 $22.59
Total Capital		 625 660 663 675 700 695 689 700 720 669 670
Total Debt		 156 156 156 156 156 156 131 131 132 77 77
Total Long-Term Debt		 156 156 156 156 156 156 131 131 132 77 77
Net Debt		 -283 -366 -157 -143 -170 -225 -145 -186 -178 -302 -330
Capital Expenditures (CapEx)		 2.70 1.68 3.25 4.68 5.65 1.51 0.89 2.00 0.87 1.40 1.07
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)		 156 156 156 156 156 156 131 131 132 77 77
Total Depreciation and Amortization (D&A)		 2.79 2.57 2.49 2.44 2.35 3.61 1.61 1.81 1.63 1.62 1.66
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.49 $0.54 $0.48 $0.58 $0.49 $0.42 $0.66 $0.68 $0.69 $0.85 $0.79
Adjusted Weighted Average Basic Shares Outstanding		 27.04M 27.05M 27.05M 27.05M 27.06M 27.07M 27.09M 26.99M 26.97M 26.29M 26.28M
Adjusted Diluted Earnings per Share		 $0.49 $0.55 $0.48 $0.58 $0.49 $0.42 $0.65 $0.67 $0.69 $0.85 $0.78
Adjusted Weighted Average Diluted Shares Outstanding		 27.08M 27.05M 27.10M 27.12M 27.19M 27.07M 27.21M 27.07M 27.08M 26.29M 26.41M
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		 27.04M 27.05M 27.04M 27.06M 27.06M 27.07M 26.98M 26.98M 26.83M 26.29M 26.10M
Normalized Net Operating Profit after Tax (NOPAT)		 13 15 13 16 13 11 18 18 19 23 21
Normalized NOPAT Margin		 21.20% 22.42% 21.07% 24.70% 19.98% 19.43% 25.82% 25.09% 24.83% 29.99% 28.42%
Pre Tax Income Margin		 28.22% 28.86% 27.54% 32.25% 25.63% 22.95% 32.78% 32.79% 31.60% 36.98% 36.90%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.85 0.83 0.70 0.86 0.71 0.60 1.16 1.30 1.27 1.68 1.71
NOPAT to Interest Expense		 0.64 0.65 0.53 0.66 0.55 0.51 0.91 1.00 1.00 1.36 1.32
EBIT Less CapEx to Interest Expense		 0.72 0.76 0.56 0.67 0.47 0.54 1.11 1.19 1.22 1.60 1.64
NOPAT Less CapEx to Interest Expense		 0.51 0.57 0.40 0.47 0.32 0.44 0.86 0.89 0.95 1.28 1.25
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 43.96% 47.92% 50.74% 49.56% 49.42% 52.69% 48.84% 47.28% 43.87% 37.89% 36.85%
Augmented Payout Ratio		 55.77% 52.41% 53.22% 51.35% 51.08% 54.46% 52.43% 54.97% 54.51% 68.01% 76.34%

Financials Breakdown Chart

Key Financial Trends

Central Pacific Financial Corp. (NYSE: CPF) appears to be navigating a stable but slower-growth banking environment, with decent profitability, solid liquidity, and manageable credit costs, though recent results show pressure on spreads and some volatility in deposits and noninterest income.

Over the last four years, CPF has generally remained profitable each quarter, but earnings power has fluctuated as interest expense moved higher and deposit balances shifted around. In Q1 2026, the company reported $20.7 million in net income, down modestly from $22.9 million in Q4 2025 but up from $18.6 million in Q3 2025. Revenue in Q1 2026 also declined slightly versus the prior quarter, while expenses stayed elevated. The balance sheet remains large relative to equity, which is typical for a bank, but common equity has stayed above the $590 million level recently.

  • Q1 2026 net income of $20.7 million remained solid and profitable, showing CPF is still producing steady earnings.
  • Operating cash flow improved to $18.3 million in Q1 2026, up from $20.5 million in Q4 2025 and comfortably positive.
  • The bank generated $71.5 million in net financing cash flow in Q1 2026, helped by a large $89.6 million increase in deposits.
  • CPF’s deposit base remains a core strength, with noninterest-bearing deposits of nearly $1.90 billion at Q1 2026, supporting low-cost funding.
  • Loan-loss provisioning was moderate at $2.35 million in Q1 2026, suggesting credit costs are still contained.
  • Basic EPS improved year over year versus Q1 2025, rising to $0.79 from $0.66.
  • Net interest income was relatively stable quarter to quarter, at $61.4 million in Q1 2026 versus $62.1 million in Q4 2025.
  • The investment portfolio was active again in Q1 2026, with $82.7 million of investment purchases and $25.0 million of sales/maturities, which may reflect liquidity management rather than a clear directional bet.
  • Total assets were essentially flat around $7.5 billion, indicating a mature balance sheet rather than aggressive expansion.
  • Net interest margin pressure remains a concern: deposit interest expense rose sharply from earlier periods, and net interest income is only modestly above recent quarters despite high rates.
  • Noninterest income is still uneven; Q1 2026 total noninterest income of $11.6 million was below Q4 2025’s $14.2 million.
  • Noninterest expenses remained elevated at $43.7 million in Q1 2026, limiting operating leverage.
  • The loan portfolio has been broadly flat to slightly down from 2023 levels, which suggests limited organic loan growth.
  • CPF continues to return capital through dividends and buybacks, but those outflows reduce flexibility if deposit trends or credit quality weaken.

Bottom line: CPF looks financially sound and consistently profitable, but the latest trends suggest a bank that is managing through margin pressure rather than accelerating growth. For retail investors, the key things to watch are deposit stability, whether net interest income can re-accelerate, and whether credit costs stay subdued.

06/16/26 09:44 PM ETAI Generated. May Contain Errors.

CPB Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CPB's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

CPB's net income appears to be on an upward trend, with a most recent value of $77.48 million in 2025, rising from $45.87 million in 2015. The previous period was $53.41 million in 2024. View CPB's forecast to see where analysts expect CPB to go next.

Over the last 10 years, CPB's total revenue changed from $184.33 million in 2015 to $292.70 million in 2025, a change of 58.8%.

CPB's total liabilities were at $6.82 billion at the end of 2025, a 1.7% decrease from 2024, and a 47.0% increase since 2015.

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 $88.20 million as of their latest financial filing in 2025.

Over the last 10 years, CPB's book value per share changed from 15.79 in 2015 to 22.09 in 2025, a change of 39.9%.


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Financial statements for NYSE:CPF last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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