Profitability
Weight: 25%
C-
50
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -4.14 pp/yr
CPF
Central Pacific Financial Corp.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
76
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.8%
- 5yr Share-Count CAGR -1.3%
Growth Quality
Weight: 10%
B
73
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 22.2%
- 5yr EPS CAGR 0.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
97
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.53x
Balance Sheet
Weight: 30%
C-
51
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 8.0%
- Interest Coverage (EBIT/Int) 1.37x
Stability
Weight: 10%
A-
81
- EPS Volatility (σ/μ) 0.29
- Piotroski F-Score 9
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood increased