Central Pacific Financial Corp. logo CPF - Central Pacific Financial Corp.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 3
HOLD 5
SELL 0
STRONG
SELL
0
| PRICE TARGET: $28.00 DETAILS
HIGH: $30.00
LOW: $26.00
MEDIAN: $28.00
CONSENSUS: $28.00
DOWNSIDE: 19.38%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 362.3 340.5 319.6 277.0 259.9 257.6 258.2 232.1 214.6 200.9 190.3 190.5 194.4 188.6 193.0 209.6 301.5 358.2 395.7 363.5 304.3 172.4 126.1 133.7 144.0 137.8 125.9 128.6 121.1 115 118.6 104.5 103.2
Cost of Revenue 86.5 104.0 87.9 15.5 (7.1) 56.8 38.7 23.2 11.7 2.1 (9.2) (0.0) (4.1) (10.2) (22.1) 201.6 416.5 273.7 191.0 110.9 70.5 32.3 20.9 30.5 54.4 60.1 48.1 53.3 48.2 44.2 48 34.9 34.1
Gross Profit 275.8 236.5 231.7 261.5 267.0 200.8 219.5 209.0 202.9 198.8 199.4 190.5 198.6 198.8 215.1 8.0 (115.1) 84.5 204.7 252.7 233.8 140.1 105.2 103.3 89.6 77.8 77.8 75.3 72.9 70.8 70.6 69.6 69.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 102.9 98.2 94.1 102.4 102.6 87.6 97.9 94.6 91.8 93.0 81.3 80.2 87.1 80.2 73.8 66.8 100.0 97.8 65.1 75.8 67.3 46.1 29.2 29.8 27.8 25.1 28 26.5 25.8 25 25.7 25.2 22.9
Other Expenses 72.2 70.3 60.8 60.4 58.7 64.1 43.7 36.1 35.3 32.5 45.2 49.4 51.7 71.1 104.7 192.2 118.7 174.5 111.4 56.4 57.5 40.0 26.4 25.2 22.9 22.7 25.4 24.7 22.7 22.5 22.1 22.1 20.5
Operating Expenses 175.1 168.4 154.9 162.7 161.3 151.7 141.6 130.7 127.1 125.5 126.5 129.7 138.7 151.3 178.5 258.9 218.7 272.3 176.6 132.2 124.8 86.1 55.6 55.0 50.7 47.7 53.4 51.2 48.5 47.5 47.8 47.3 43.4
Operating Income
Operating Income 100.7 68.0 76.8 98.8 105.7 49.0 77.9 78.2 75.8 73.3 73.0 60.8 59.8 47.4 36.6 (251.0) (333.7) (187.7) 28.1 120.5 109.0 54.0 49.6 48.2 38.9 30.0 24.4 24.1 24.4 23.3 22.8 22.3 25.7
Interest Expense 73.3 94.4 72.7 17.1 7.7 14.7 32.3 25.3 14.9 9.2 6.5 6.4 7.2 8.7 18.6 42.1 67.7 102.0 138.0 109.5 66.6 30.2 20.2 29.5 51.4 55.6 44.4 46.7 44.7 41.7 44.7 31.6 30.9
Interest Income 313.1 305.6 282.2 232.3 218.4 211.9 215.4 198.0 182.4 166.9 155.9 149.7 140.2 128.4 136.4 160.7 242.2 303.4 349.9 320.4 263.2 150.4 110.2 118.5 129.9 126.8 112.8 111.8 110.3 104.3 107.8 93.8 92
Profitability
EBITDA 100.7 77.2 84.5 106.9 116.1 61.4 86.5 88.4 87.2 87.1 85.7 72.0 73.3 64.0 50.3 (236.2) (319.2) (171.3) 42.9 136.0 127.3 63.9 58.9 53.6 42.1 32.7 27.5 27.4 27.4 26.9 27.1 27.5 31.2
EBIT 100.7 68.0 76.8 98.8 105.7 49.0 77.9 78.2 75.8 73.3 73.0 60.8 59.8 47.4 36.6 (251.0) (333.7) (187.7) 28.1 120.5 109.0 54.0 49.6 48.2 38.9 30.0 24.4 24.1 24.4 23.3 22.8 22.3 25.7
Income Before Tax 98.3 68.0 76.8 98.8 105.7 49.0 77.9 78.2 75.8 73.3 73.0 60.8 59.8 47.4 36.6 (251.0) (333.7) (187.7) 28.1 120.5 109.0 54.0 49.6 48.2 38.9 30.0 24.4 24.1 24.4 23.3 22.8 22.3 25.7
Income Tax Expense 20.8 14.6 18.2 24.8 25.8 11.8 19.6 18.8 34.6 26.3 27.1 20.4 (112.2) 0 0 0 (20.0) (49.3) 22.3 41.3 36.5 16.6 15.7 15.0 10.2 10.6 8.1 9 9.4 9.2 9 8.8 10
Net Income 77.5 53.4 58.7 73.9 79.9 37.3 58.3 59.5 41.2 47.0 45.9 40.5 172.1 47.4 36.6 (251.0) (313.7) (138.4) 5.8 79.2 72.5 37.4 33.9 33.3 28.7 19.4 16.3 15.1 15 14.1 13.8 13.5 15.9
Per Share Data
EPS (Basic) 2.89 1.97 2.17 2.70 2.85 1.33 2.05 2.02 1.36 1.52 1.42 1.08 4.10 1.14 3.36 -124.11 -149.48 -70.03 2.75 37.70 35.09 27.55 30.74 30.30 12.69 15.80 12.32 10.58 5.15 2.43 2.38 9.35 2.81
EPS (Diluted) 2.87 1.97 2.17 2.68 2.83 1.32 2.03 2.01 1.34 1.50 1.40 1.07 4.07 1.13 3.31 -124.11 -149.48 -70.03 2.75 37.26 34.51 27.11 30.01 29.58 12.47 15.51 12.18 10.51 10.33 9.71 9.57 9.35 2.79
Shares Outstanding 26.7 27.1 27.0 27.4 28.0 28.1 28.5 29.4 30.4 31.0 32.2 37.4 42.0 41.7 35.9 2.1 2.0 2.0 2.1 2.1 2.1 1.2 1.1 1.1 1.1 1.2 1.3 1.4 5.8 5.8 5.8 1.4 1.4
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 378.7 380.9 522.4 112.0 328.9 104.1 103.0 102.2 82.3 84.3 488.4 107.7 137.8 69.0 101.6 69.1 63.7 93.2 53.2 84.9 81.8 57.4 101.9 68.2
Short-Term Investments 532.0 543.9 647.2 671.8 1,631.7 1,182.6 1,127.0 1,205.5 1,304.9 1,243.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 23.6 23.4 21.5 20.3 16.7 20.2 16.5 17 16.6 15.7 54.4 62.5 18.3 8.8 9.3 9 10.6 9.6 9.1 9.4 8.7 9.5 9.8 9.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 934.2 948.2 1,191.2 804.2 1,977.3 1,306.9 1,246.5 1,324.7 1,402.9 1,343.9 542.8 170.2 156.1 77.8 110.9 78.1 74.4 102.8 62.3 94.3 90.5 66.9 111.7 77.3
Non-Current Assets
Property, Plant & Equipment 125.4 135.2 125.9 126.6 119.8 111.1 98.7 45.3 48.3 48.3 75.2 81.1 77.1 56.1 57.7 60.6 23.3 24.8 26.8 30.4 25.1 25.5 24.2 23.3
Goodwill 0 0 0 0 0 0 0 0 0 0 102.7 152.7 283.9 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 8.7 8.5 8.7 9.1 9.7 11.9 14.7 15.6 17.8 20.5 45.4 39.8 0.8 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 6,070.5 6,122.5 6,050.7 6,204.4 5,066.8 4,928.9 4,428.9 4,200.4 3,936.6 3,724.7 3,862.3 4,717.3 3,966.3 1,980.0 1,813.0 1,636.0 1,653.2 1,471.4 1,437.2 1,342.6 1,263 1,253.8 1,217.5 1,179.3
Other Non-Current Assets 270.4 257.8 266.3 288.5 245.5 235.8 223.9 221.0 218.0 247.0 241.2 271.3 167.7 56.3 46.5 60.9 66.0 47.5 34.6 29.8 24.6 25.7 28.1 23.2
Total Non-Current Assets 6,475.1 6,523.9 6,451.6 6,628.6 5,441.8 5,287.7 4,766.2 4,482.4 4,220.8 4,040.4 4,326.7 5,262.1 4,495.8 2,092.4 1,917.3 1,757.5 1,742.6 1,543.7 1,498.6 1,402.8 1,312.7 1,305 1,269.8 1,225.8
Total Assets 7,409.2 7,472.1 7,642.8 7,432.8 7,419.1 6,594.6 6,012.7 5,807.0 5,623.7 5,384.2 4,869.5 5,432.4 4,651.9 2,170.3 2,028.2 1,835.6 1,816.9 1,646.5 1,560.9 1,497.1 1,403.2 1,371.9 1,381.5 1,303.1
Current Liabilities
Account Payables 7.1 10.1 18.9 4.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 0 0 5 0 22 150 197 32 135 242.4 279.4 88.9 3.5 29.0 13.9 56.7 79 2 6.2 5.4 2.5 67.4 9.1
Deferred Revenue 0 0 0 0.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 6,609.8 6,644.0 6,847.6 6,736.0 6,639.2 5,796.1 5,120.0 4,946.5 4,956.4 4,608.2 3,568.9 3,911.6 3,327.0 1,753.3 1,641.1 1,450.9 1,363.1 1,305.7 1,269.1 1,193.2 1,123.6 1,138.3 1,081.9 1,078.4
Total Current Liabilities 6,616.8 6,654.1 6,866.5 6,746.0 6,639.2 5,818.1 5,270.0 5,143.5 4,988.4 4,743.2 3,811.3 4,191.0 3,415.9 1,756.8 1,670.1 1,464.8 1,419.8 1,384.7 1,271.1 1,199.4 1,129 1,140.8 1,149.3 1,087.5
Non-Current Liabilities
Long-Term Debt 76.5 156.3 156.1 105.9 105.6 105.4 101.5 122.2 92.8 92.8 657.9 649.3 587.4 184.2 147.2 175.6 221.0 98.3 118.3 127.8 115.8 82.1 94.8 87.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 97.7 91.3 85.7 92.2 75.3 77.2 60.0 49.6 42.5 43.6 54.3 55.7 68.0 24.6 27.4 38.1 32.9 19.4 23.4 18.2 17.5 16.5 16.3 14.6
Total Non-Current Liabilities 199.8 279.6 272.4 233.9 221.7 229.7 214.1 171.8 135.3 136.4 712.2 705.0 655.3 208.8 174.5 213.7 253.8 117.7 141.7 146 133.3 98.6 111.1 102.4
Total Liabilities 6,816.7 6,933.7 7,139.0 6,979.9 6,860.8 6,047.9 5,484.2 5,315.3 5,123.7 4,879.6 4,523.5 4,896.0 4,071.3 1,965.6 1,844.7 1,678.5 1,673.6 1,502.4 1,412.8 1,345.4 1,262.3 1,239.4 1,260.4 1,189.9
Stockholders' Equity
Common Stock 381.2 404.5 405.4 408.1 426.1 442.6 447.6 470.7 504.0 530.9 0 0 360.6 9.6 8.7 6.7 6.2 6.5 6.6 0 0 0 0 0
Retained Earnings 191.4 143.3 118.0 87.4 42.0 (10.9) (19.1) (51.7) (89.0) (108.9) (257.9) 63.8 167.8 142.6 119.0 94.6 88.2 94.4 95 99.2 89.4 80.4 71.4 62.5
Accumulated Other Comprehensive Income (87.3) (114.4) (122.6) (144.0) (8.0) 20.1 8.4 (16.1) (1.0) (1.5) (3.5) 3.4 (6.3) (3.5) (0.1) (0.0) 3.1 (2.7) 0.6 0.1 0 0 0 0
Total Stockholders' Equity 592.6 538.4 503.8 452.9 558.2 546.7 528.5 491.7 500.0 504.6 336.0 526.3 567.9 194.6 173.4 147.1 143.3 144.1 148.1 151.7 140.9 132.5 121.1 113.2
Total Liabilities & Equity 7,409.2 7,472.1 7,642.8 7,432.8 7,419.1 6,594.6 6,012.7 5,807.0 5,623.7 5,384.2 4,869.5 5,432.4 4,651.9 2,170.3 2,028.2 1,835.6 1,816.9 1,646.5 1,560.9 1,497.1 1,403.2 1,371.9 1,381.5 1,303.1
Debt Metrics
Total Debt 102.1 188.4 186.7 146.7 146.3 174.6 304.2 319.2 124.8 227.8 900.3 928.7 676.3 187.7 176.2 189.5 277.7 177.3 120.3 134 121.2 84.6 162.2 96.9
Net Debt (276.6) (192.6) (335.7) 34.7 (182.6) 70.5 201.2 217.0 42.5 143.4 411.9 821.0 538.4 118.7 74.5 120.4 214.0 84.1 67.1 49.1 39.4 27.2 60.3 28.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 77.5 53.4 58.7 73.9 79.9 37.3 58.3 59.5 41.2 47.0 72.5 37.4 33.9 33.3 28.7 19.4 16.3 15.1 15 14.1 13.8 13.5 15.7
Depreciation & Amortization 0 9.1 7.6 8.2 10.5 12.4 8.6 10.2 11.4 13.8 18.4 9.9 9.3 5.3 3.2 2.6 3.1 3.3 3 3.6 4.3 5.2 5.5
Stock-Based Compensation 0 2.1 1.6 3.3 3.2 3.2 2.7 2.8 1.9 1.3 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 15.6 4.3 15.7 11.7 2.3 (2.9) (1.2) 2.4 (15.7) 4.8 (37.0) 2.7 (11.1) (14.1) 3.3 18.0 (16.3) 6.4 (5.3) 5.8 5.8 (5.5) (1.7)
Other Non-Cash Items 4.4 12.9 10.2 (8.8) 3.7 39.9 7.7 20.8 25.7 (14.9) (19.1) (44.4) (2.1) (5.2) (1.6) 5.5 5.8 2.8 1.9 0.1 2 7.2 (1)
Operating Cash Flow 97.5 90.5 105.1 114.1 110.5 76.8 72.2 103.5 96.8 76.5 42.4 8.9 34.2 23.5 30.8 36.5 13.3 26.7 14.3 22.5 24 24.5 17.9
Investing Activities
Capital Expenditure (5.2) (15.1) (12.7) (18.4) (22.2) (26.0) (7.2) (3.2) (6.5) (5.9) (5.1) (6.6) (2.7) (1.3) (1.7) (1.7) (0.9) (3.2) (4.6) (2.4) (4.1) (3.3) (2.5)
Acquisitions 0 0 0 0 (2.9) (8.4) (1.2) (3.3) (0.1) (0.0) (8.3) (44.2) 0 0 (31.0) 0 0 0 0 0 0 0 0
Purchases of Investments 0 (272.4) (49.0) (119.3) (1,074.3) (589.4) (55.0) (85.4) (356.9) (197.1) (928.4) (602.9) (879.9) (308.0) (118.7) (138.1) (86.2) (136.1) (147.6) (56.6) (106.8) (195) (229.2)
Sales/Maturities of Investments 0 195.6 129.2 210.2 572.9 531.3 308.6 196.6 309.2 235.4 835.8 575.8 853.1 167.6 117.6 70.4 111.2 107.4 69.4 98.6 102.2 162.6 215.7
Other Investing Activities 67.2 92.5 112.2 (456.9) (135.9) (504.4) (374.1) (315.9) (241.8) (309.6) (425.0) (266.8) (118.3) (29.6) 2.9 (130.2) (73.3) (45.8) (13.9) (73.9) (1.4) (55.1) (43.8)
Investing Cash Flow 67.2 0.7 179.7 (384.5) (662.3) (596.9) (129.0) (211.1) (296.1) (277.2) (531.0) (344.7) (147.8) (171.3) (31.0) (199.6) (49.2) (77.6) (96.7) (34.3) (10.1) (90.8) (59.8)
Financing Activities
Net Debt Issuance (80) 0 45 5 (22) (124.2) (67.6) 194.4 (103) 66 129.7 242.1 11.5 (13.3) (88.2) 100.4 57 (13.6) 12.7 36.6 (77.1) 65.7 33.2
Stock Repurchased (23.3) (0.9) (2.6) (20.7) (18.7) (4.7) (22.8) (32.8) (26.6) (18.2) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (29.4) (28.1) (28.1) (28.5) (27.0) (25.9) (25.7) (24.1) (21.3) (18.6) (21.9) (14.8) (9.4) (6.1) (5.4) (5.3) (5.2) (5.4) (5.1) (5.1) (4.7) (4.6) (4.5)
Other Financing Activities (34.2) (203.6) 111.4 97.1 843.0 676.1 173.5 (9.9) 348.2 174.8 315.1 198.6 112.2 190.2 97.9 57.4 36.5 75.8 69.6 (14.6) 56.4 3.6 4.3
Financing Cash Flow (166.9) (232.7) 125.6 53.5 776.6 521.2 57.6 127.5 197.3 204.9 489.9 428.2 115.2 170.3 (12.2) 131.9 76.6 42.9 77.6 17.1 (25.2) 64.7 33.6
Cash Position
Net Change in Cash (2.3) (141.5) 410.4 (216.9) 224.8 1.1 0.8 19.9 (2.0) 4.1 1.3 92.5 1.6 22.5 (12.4) (31.2) 40.7 (8) (4.8) (50.3) (61.6) (63.2) (71.4)
Cash at Beginning 380.9 522.4 112.0 328.9 104.1 103.0 102.2 82.3 84.3 80.2 163.4 71.0 62.3 39.8 52.2 83.4 42.7 50.7 55.5 50.3 61.6 63.2 71.4
Cash at End 378.7 380.9 522.4 112.0 328.9 104.1 103.0 102.2 82.3 84.3 164.7 163.4 63.9 62.3 39.8 52.2 83.4 42.7 50.7 67.4 36.4 127.9 105
Free Cash Flow 92.3 75.4 92.5 95.7 88.3 50.8 65.0 100.3 90.3 70.6 37.2 2.4 31.5 22.2 29.1 34.8 12.4 23.5 9.7 20.1 19.9 21.2 15.4
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 362.3 340.5 319.6 277.0 259.9 257.6 258.2 232.1 214.6 200.9 190.3 190.5 194.4 188.6 193.0 209.6 301.5 358.2 395.7 363.5 304.3 172.4 126.1 133.7 144.0 137.8 125.9 128.6 121.1 115 118.6 104.5 103.2
Gross Profit 275.8 236.5 231.7 261.5 267.0 200.8 219.5 209.0 202.9 198.8 199.4 190.5 198.6 198.8 215.1 8.0 (115.1) 84.5 204.7 252.7 233.8 140.1 105.2 103.3 89.6 77.8 77.8 75.3 72.9 70.8 70.6 69.6 69.1
Operating Income 100.7 68.0 76.8 98.8 105.7 49.0 77.9 78.2 75.8 73.3 73.0 60.8 59.8 47.4 36.6 (251.0) (333.7) (187.7) 28.1 120.5 109.0 54.0 49.6 48.2 38.9 30.0 24.4 24.1 24.4 23.3 22.8 22.3 25.7
Net Income 77.5 53.4 58.7 73.9 79.9 37.3 58.3 59.5 41.2 47.0 45.9 40.5 172.1 47.4 36.6 (251.0) (313.7) (138.4) 5.8 79.2 72.5 37.4 33.9 33.3 28.7 19.4 16.3 15.1 15 14.1 13.8 13.5 15.9
EPS (Diluted) 2.87 1.97 2.17 2.68 2.83 1.32 2.03 2.01 1.34 1.50 1.40 1.07 4.07 1.13 3.31 -124.11 -149.48 -70.03 2.75 37.26 34.51 27.11 30.01 29.58 12.47 15.51 12.18 10.51 10.33 9.71 9.57 9.35 2.79
Balance Sheet
Cash & Equivalents 378.7 380.9 522.4 112.0 328.9 104.1 103.0 102.2 82.3 84.3 488.4 107.7 137.8 69.0 101.6 69.1 63.7 93.2 53.2 84.9 81.8 57.4 101.9 68.2
Total Assets 7,409.2 7,472.1 7,642.8 7,432.8 7,419.1 6,594.6 6,012.7 5,807.0 5,623.7 5,384.2 4,869.5 5,432.4 4,651.9 2,170.3 2,028.2 1,835.6 1,816.9 1,646.5 1,560.9 1,497.1 1,403.2 1,371.9 1,381.5 1,303.1
Total Debt 102.1 188.4 186.7 146.7 146.3 174.6 304.2 319.2 124.8 227.8 900.3 928.7 676.3 187.7 176.2 189.5 277.7 177.3 120.3 134 121.2 84.6 162.2 96.9
Stockholders' Equity 592.6 538.4 503.8 452.9 558.2 546.7 528.5 491.7 500.0 504.6 336.0 526.3 567.9 194.6 173.4 147.1 143.3 144.1 148.1 151.7 140.9 132.5 121.1 113.2
Cash Flow
Operating Cash Flow 97.5 90.5 105.1 114.1 110.5 76.8 72.2 103.5 96.8 76.5 42.4 8.9 34.2 23.5 30.8 36.5 13.3 26.7 14.3 22.5 24 24.5 17.9
Capital Expenditure (5.2) (15.1) (12.7) (18.4) (22.2) (26.0) (7.2) (3.2) (6.5) (5.9) (5.1) (6.6) (2.7) (1.3) (1.7) (1.7) (0.9) (3.2) (4.6) (2.4) (4.1) (3.3) (2.5)
Free Cash Flow 92.3 75.4 92.5 95.7 88.3 50.8 65.0 100.3 90.3 70.6 37.2 2.4 31.5 22.2 29.1 34.8 12.4 23.5 9.7 20.1 19.9 21.2 15.4