Central Pacific Financial Corp

Chart & Performance

D1W1MN

P/E

14.63

P/S

3.17

EPS

1.98

Div Yield, %

2.69%

Shrs. gr., 5y

-1.06%

Rev. gr., 5y

2.10%

Revenues

246m

+2.14%

Net income

53m

-8.96%

CFO

91m

-13.88%

Dividend

Aug 30, 20240.26 USD/sh

Earnings

Jul 29, 2025

Profile

Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.

URL

https://www.cpb.bank/

IPO date

Aug 28, 1987

Employees

735

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	246,113 2.14%	240,953 -8.55%	263,482 3.69%
Cost of revenue	36,173	92,098	92,932
Unusual Expense (Income)
NOPBT	209,940	148,855	170,550
NOPBT Margin	85.30%	61.78%	64.73%
Operating Taxes	14,627	18,153	24,841
Tax Rate	6.97%	12.20%	14.57%
NOPAT	195,313	130,702	145,709
Net income	53,412 -8.96%	58,669 -20.64%	73,928 -7.47%
Dividends	(28,143)	(28,117)	(28,505)
Dividend yield	3.56%	5.28%	5.10%
Proceeds from repurchase of equity	(945)	(2,632)	(20,061)
BB yield	0.12%	0.49%	3.59%
Debt
Debt current			5,000
Long-term debt	220,395	217,370	177,637
Deferred revenue			(15,430)
Other long-term liabilities		6,952,245	(136,748)
Net debt	(595,037)	(1,867,115)	(1,984,519)
Cash flow
Cash from operating activities	90,519	105,112	114,121
CAPEX		(12,650)	(18,440)
Cash from investing activities	654	179,661	(384,483)
Cash from financing activities	(232,669)	125,620	53,499
FCF	194,235	130,251	(1,611,790)
Balance
Cash	815,432	763,391	783,838
Long term investments		1,321,094	1,383,318
Excess cash	803,126	2,072,437	2,153,982
Stockholders' equity	433,331	400,833	351,525
Invested Capital	7,028,714	7,241,963	7,065,808
ROIC	2.74%	1.83%	2.83%
ROCE	2.81%	1.95%	2.29%
EV
Common stock shares outstanding	27,195	27,081	27,568
Price	29.05 47.61%	19.68 -2.96%	20.28 -28.01%
Market cap	790,004 48.23%	532,945 -4.67%	559,075 -29.77%
EV	194,967	(1,334,170)	(1,425,444)
EBITDA	219,055	156,503	178,710
EV/EBITDA	0.89
Interest	94,366	72,657	17,093
Interest/NOPBT	44.95%	48.81%	10.02%