Central Pacific Financial Corp.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 12.6
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 6.1%
Years of Div. Growth ≥ 15: 7

Income Generation

Current Yield 6.5≥ 20-Yrs Treasury Yield 5.0
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs


Debt-To-Equity 0.32 ≤ 0.45 
Last 12Months Cash Payout 0.28 ≤ 0.6 


5-Yr Avg. Return-on-Equity 11.9≥ 15%
Last 12Months Return-on-Equity 14.7≥ 15%
Last 12Months Net Profit Margin 25.9≥ 10% 

Fair Value

Average 5-Yrs High Yield 5.0%
Current Price $16.1 ≤ High Yield Price $20.8
Average 5-Yrs Price-to-Earning (P/E) 12.2
Current Price $16.1 ≤ Average P/E Price $28.6
Current Price $16.1 ≤ Fair Value $25.8 
Company Description
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.


Free Cash Flow