Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

27.65 

0.23 0.8%

as of Apr 12 '21

52 Week Range:

12.68 27.84


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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. The company operates through three segments: Banking Operations, Treasury, and All Others. 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 mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as residential mortgages, home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management and electronic banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, retail brokerage, and wholesale funding 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, 2020, it operated 31 branches and 69 automated teller machines in the state of Hawaii. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) -30.58
10.56
12.06
15.52
16.15
16.05
16.87
16.98
16.51
18.57
19.30
growth rate 100.0% 14.2% 28.7% 4.1% -0.6% 5.1% 0.7% -2.8% 12.5% 3.9%
Earnings BIT -250.95
36.57
47.42
59.83
63.51
75.84
75.80
78.72
191.43
199.77
178.46
growth rate 100.0% 29.7% 26.2% 6.1% 19.4% 0.0% 3.9% 143.2% 4.4% -10.7%
Avg.PE -0.20
3.90
13.83
4.94
21.79
14.51
21.27
21.03
14.68
14.32
15.06
growth rate 100.0% 254.6% -64.3% 341.1% -33.4% 46.6% -1.1% -30.2% -2.5% 5.2%
ROA -5.89
2.99
1.12
3.78
0.84
0.92
0.89
0.75
1.04
0.99
0.59
growth rate 100.0% -62.5% 237.5% -77.8% 9.5% -3.3% -15.7% 38.7% -4.8% -40.4%
ROE -363.84
61.46
9.87
29.54
6.59
8.63
9.41
8.20
12.00
11.43
6.93
growth rate 100.0% -83.9% 199.3% -77.7% 31.0% 9.0% -12.9% 46.3% -4.8% -39.4%
ROIC -25.49
22.94
9.15
25.73
6.12
growth rate 100.0% -60.1% 181.2% -76.2%
Leverage 9.05
8.66
7.18
8.54
10.37
10.67
11.25
11.81
11.38
12.06
growth rate -4.3% -17.1% 18.9% 21.4% 2.9% 5.4% 5.0% -3.6% 6.0%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 11.67
13.90
14.07
13.58
14.90
15.68
16.58
17.00
31.22
20.22
growth rate 19.0% 1.3% -3.5% 9.7% 5.2% 5.8% 2.5% 83.6% -35.2%
Acct.Payable 4,110.30
4,433.44
4,608.20
4,956.35
4,946.49
5,120.02
5,796.12
growth rate 7.9% 3.9% 7.6% -0.2% 3.5% 13.2%
Cur.Assets 112.73
111.23
132.95
116.10
103.01
116.10
121.62
growth rate -1.3% 19.5% -12.7% -11.3% 12.7% 4.8%
Total Assets 3,938.10
4,132.87
4,370.40
4,741.20
4,852.99
5,131.29
5,384.24
5,623.71
5,807.03
6,012.67
6,594.58
growth rate 5.0% 5.8% 8.5% 2.4% 5.7% 4.9% 4.5% 3.3% 3.5% 9.7%
Cash 790.70
1,799.79
-79.70
-128.00
21.81
20.69
21.24
18.89
102.19
14.98
104.07
growth rate 127.6% -100.0% 0.0% 100.0% -5.1% 2.6% -11.1% 440.9% -85.3% 594.6%
Inventory 2.95
1.96
0.79
0.85
0.41
0.16
growth rate -33.5% -59.7% 7.6% -51.4% -60.4%
Cur.Liabilities 4,149.44
4,503.52
4,744.88
4,992.10
197.00
150.00
22.00
growth rate 8.5% 5.4% 5.2% -96.1% -23.9% -85.3%
Liabilities 3,872.00
3,676.43
3,865.50
4,081.10
4,284.95
4,636.65
4,879.56
5,123.67
5,315.30
5,484.15
6,047.85
growth rate -5.1% 5.1% 5.6% 5.0% 8.2% 5.2% 5.0% 3.7% 3.2% 10.3%
LT Debt 2,010.00
2,011.00
108.30
92.80
92.79
92.79
92.79
92.79
122.17
101.55
105.39
growth rate 0.1% -94.6% -14.3% 0.0% 0.0% 0.0% 0.0% 31.7% -16.9% 3.8%
Equity 66.10
456.44
504.80
660.10
568.04
494.61
504.65
500.01
491.73
528.52
546.69
growth rate 590.5% 10.6% 30.8% -14.0% -12.9% 2.0% -0.9% -1.7% 7.5% 3.4%
Common Shares 2.00
36.00
42.00
42.00
38.00
33.00
31.00
31.00
28.97
28.29
28.18
growth rate 1,700.0% 16.7% 0.0% -9.5% -13.2% -6.1% 0.0% -6.6% -2.3% -0.4%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures -17.80
0.75
3.70
6.29
6.02
5.82
5.90
6.53
3.23
7.20
26.00
growth rate 100.0% 394.8% 70.1% -4.3% -3.3% 1.4% 10.8% -50.6% 123.2% 261.2%
Cash Dividends 0.00
0.00
0.00
6.74
13.41
15.94
18.62
21.30
-24.14
-25.71
-25.94
growth rate 99.0% 18.9% 16.8% 14.4% -100.0% 0.0% 0.0%
Cash From OA 221.40
23.12
39.39
84.53
71.43
74.51
76.49
96.78
103.49
72.19
76.79
growth rate -89.6% 70.3% 114.6% -15.5% 4.3% 2.7% 26.5% 6.9% -30.2% 6.4%
FCF per Share 104.95
3.11
0.85
1.45
1.79
1.96
2.40
2.49
3.15
2.52
1.31
growth rate -97.0% -72.7% 70.6% 23.5% 9.5% 22.5% 3.8% 26.5% -20.0% -48.0%
Sale Purchase of Stock 323.54
-11.71
0.07
0.36
0.94
-26.56
-32.82
-22.64
growth rate -100.0% 100.0% 386.5% 161.4% -100.0% 0.0% 0.0%
FCF 219.00
22.00
36.00
78.00
65.00
69.00
71.00
90.00
100.00
65.00
51.00
growth rate -90.0% 63.6% 116.7% -16.7% 6.2% 2.9% 26.8% 11.1% -35.0% -21.5%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 175.70
193.45
189.19
195.22
189.64
198.92
201.20
205.03
251.73
261.40
225.18
growth rate 10.1% -2.2% 3.2% -2.9% 4.9% 1.2% 1.9% 22.8% 3.8% -13.9%
Op.Income -251.00
37.03
48.00
172.87
67.54
76.12
73.29
77.53
191.43
199.77
178.46
growth rate 100.0% 29.6% 260.2% -60.9% 12.7% -3.7% 5.8% 146.9% 4.4% -10.7%
IBT -250.95
36.57
47.42
59.83
60.84
72.96
73.27
75.80
78.24
77.93
49.03
growth rate 100.0% 29.7% 26.2% 1.7% 19.9% 0.4% 3.5% 3.2% -0.4% -37.1%
Net Income -251.00
37.03
47.40
172.10
40.45
45.87
46.99
41.20
59.49
58.32
37.27
growth rate 100.0% 28.0% 263.1% -76.5% 13.4% 2.5% -12.3% 44.4% -2.0% -36.1%
EPS -171.13
3.31
1.13
4.07
1.07
1.40
1.50
1.34
2.01
2.03
1.32
growth rate 100.0% -65.9% 260.2% -73.7% 30.8% 7.1% -10.7% 50.0% 1.0% -35.0%
Gross Profit 189.64
198.92
201.20
205.03
225.29
233.05
219.01
growth rate 4.9% 1.2% 1.9% 9.9% 3.5% -6.0%
R&D 0.00
growth rate

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 41.93
42.62
47.77
44.32
43.75
growth rate 1.7% 12.1% -7.2% -1.3%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 31.22
30.20
32.36
33.91
20.22
growth rate -3.3% 7.2% 4.8% -40.4%
Acct.Payable 5,120.02
5,136.07
5,794.69
5,678.93
5,796.12
growth rate 0.3% 12.8% -2.0% 2.1%
Cur.Assets 116.10
96.90
153.78
136.42
121.62
growth rate -16.5% 58.7% -11.3% -10.9%
Total Assets 6,012.67
6,108.55
6,632.97
6,648.14
6,594.58
growth rate 1.6% 8.6% 0.2% -0.8%
Cash 14.98
111.10
152.56
112.62
104.07
growth rate 641.5% 37.3% -26.2% -7.6%
Inventory 0.16
0.10
0.00
0.13
growth rate -39.0% -100.0%
Cur.Liabilities 5,382.61
5,473.22
5,921.21
206.00
22.00
growth rate 1.7% 8.2% -96.5% -89.3%
Liabilities 5,484.15
5,574.72
6,088.67
6,104.20
6,047.85
growth rate 1.7% 9.2% 0.3% -0.9%
LT Debt 101.55
101.55
167.49
101.55
105.39
growth rate 0.0% 64.9% -39.4% 3.8%
Equity 528.52
533.78
544.27
543.90
546.69
growth rate 1.0% 2.0% -0.1% 0.5%
Common Shares 28.29
28.12
28.15
28.18
28.18
growth rate -0.6% 0.1% 0.1% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 3.76
5.61
6.09
7.68
6.62
growth rate 49.2% 8.6% 26.1% -13.9%
Cash Dividends -6.52
-6.50
-6.48
-6.48
-6.48
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 19.71
31.25
25.81
-16.65
36.38
growth rate 58.5% -17.4% -100.0% 100.0%
Sale Purchase of Stock -4.68
-4.75
-4.75
-4.75
growth rate 0.0% 0.0% 0.0%
FCF 15.95
25.64
19.72
-24.33
29.77
growth rate 60.7% -23.1% -100.0% 100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 82.87
56.82
60.54
40.53
67.29
growth rate -31.4% 6.6% -33.1% 66.0%
Op.Income 41.93
42.62
47.77
44.32
43.75
growth rate 1.7% 12.1% -7.2% -1.3%
IBT 19.36
11.15
12.88
9.06
15.94
growth rate -42.4% 15.6% -29.7% 76.0%
Net Income 14.20
8.33
9.92
6.86
12.17
growth rate -41.4% 19.1% -30.8% 77.5%
EPS
growth rate
Gross Profit 54.52
50.25
55.35
52.30
61.12
growth rate -7.8% 10.2% -5.5% 16.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

E (20.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 20.63 20.95 16.21
EPS / Growth 12.6% 1.32 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.9% 8.2% 8.2%
Future PE 7.84 17.72 17.72
Future EPS 1.94 2.89 2.89
Value Price
MOS %
3.76
-86.4%
12.67
-54.2%
12.67
-54.2%
MOS Price 1.88 6.33 6.33
IRT 15.14 12.08 12.08

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.