Central Pacific Financial Corp. (CPF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Peapack-Gladstone Financial Corp.

MetroCity Bankshares, Inc.

Business First Bancshares, Inc.

Washington Trust Bancorp, Inc.

HarborOne Bancorp, Inc.

South Plains Financial, Inc. (Texas)

Central Pacific Financial Corp.

Horizon Bancorp, Inc. (Indiana)

Cantaloupe, Inc.

Midland States Bancorp, Inc.

Cambridge Bancorp

Why is Central Pacific Financial Corp. ?

High Profitability with a Net Interest Margin of 3.32%

Positive results in Jun 25

NII(Q) Highest at USD 59.8 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 78.12 MM

With ROA of 0.55%, it has a expensive valuation with a 1.29 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 3.31%, its profits have risen by 5.1% ; the PEG ratio of the company is 2.5

Underperformed the market in the last 1 year

The stock has generated a return of 3.31% in the last 1 year, much lower than market (S&P 500) returns of 14.11%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Central Pacific Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Central Pacific Financial Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Central Pacific Financial Corp.

31.51%

2.08

29.17%

S&P 500

22.99%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.14%

EBIT Growth (5y)

3.93%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

38.05%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.40

EV to EBIT

5.00

EV to EBITDA

4.63

EV to Capital Employed

2.17

EV to Sales

1.40

PEG Ratio

0.23

Dividend Yield

ROCE (Latest)

43.45%

ROE (Latest)

13.07%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

NET PROFIT(HY)

At USD 43.6 MM has Grown at 49.8%

ROCE(HY)

Highest at 1.08%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 27.17 MM

OPERATING PROFIT MARGIN(Q)

Highest at 35.25 %

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 93.56 MM

ROCE(HY)

Lowest at 1.08%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 36.96%

CREDIT DEPOSIT RATIO(HY)

Lowest at 79.42%

NET SALES(Q)

Lowest at USD 77.1 MM

Here's what is working for Central Pacific Financial Corp.

Net Profit

At USD 43.6 MM has Grown at 49.8%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Operating Profit

Highest at USD 27.17 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 35.25 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Central Pacific Financial Corp.

Operating Cash Flow

Lowest at USD 93.56 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 77.1 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Credit Deposit Ratio

Lowest at 79.42%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 36.96%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)