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what it is
Central Pacific is a Hawaii bank that takes deposits, makes loans, and sells wealth services.
how it gets paid
Last year Central Pacific made $52M in revenue.
why it's growing
Revenue grew 33.8% last year. EPS of $2.01 mattered because it was up 191% vs. prior year.
what just happened
CPF posted $38M in quarterly revenue, up 178%, while EPS jumped to $2.01.
At a glance
B+ balance sheet — decent shape, but not bulletproof
65/100 earnings predictability — reasonably predictable
13.1x trailing p/e — the market's not buying it — or you found a deal
3.8% dividend yield — cash in your pocket every quarter
$1.97 fy2024 eps est
xvary composite: 57/100 — below average
What they do
Central Pacific is a Hawaii bank that takes deposits, makes loans, and sells wealth services.
CPF runs 27 branches and 58 ATMs in Hawaii. That is local plumbing, not a national circus. Your checking account, mortgage, and business cash live inside that network, so leaving is annoying. It funds $5.31B of loans with $6.58B of deposits. That 6.58B vs. 5.31B contrast is the whole franchise.
How they make money
$52M
annual revenue · their business grew +33.8% last year
total revenue
$52M
+33.8%
The products that matter
business loans and treasury services
Commercial banking
$38M net interest income
this is the core business. the latest quarter's $38M in net interest income tells you commercial lending still does most of the heavy lifting.
core earner
consumer deposits and personal lending
Consumer banking
$386M cash
consumer banking matters because deposits fund the whole machine. the snapshot shows $386M in cash, which gives some flexibility but does not change the fact that funding costs still matter most.
deposit base
Key numbers
$7.42B
assets
That is the size of the balance sheet. You are buying a bank with billions on the books and a sub-$1B market cap.
3.8%
dividend yield
This is the cash you get paid while waiting. At 3.8%, the stock acts less like a lottery ticket and more like rent.
13.1x
trailing P/E
You pay 13.1 years of last year's earnings for the stock. That is fair for a bank, not a bargain bin rescue.
1.1
beta
A beta of 1.1 means the stock wiggles a bit more than the market. You get slightly more bounce for slightly more headache.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 70 / 100
- long-term debt $156M (16% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CPF right now.
source: institutional data · return history unavailable
What just happened
beat estimates
CPF posted $38M in quarterly revenue, up 178%, while EPS jumped to $2.01.
The quarter benefited from stronger banking income and a wider spread between loan income and deposit costs. Yahoo Finance showed no consensus EPS estimate, so the clean read is the big vs. prior year jump.
$38M
revenue
$2.01
eps
178%
revenue growth
the number that mattered
EPS of $2.01 mattered because it was up 191% vs. prior year. That says the bank kept more of each revenue dollar than it did a year earlier.
source: EDGAR SEC filings
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What could go wrong
the #1 risk here is hawaii concentration. CPF is not diversified across states or business lines in any meaningful way, so a local slowdown travels straight into loans, deposits, and sentiment.
high
hawaii concentration
you own a bank centered on one state. if tourism, real estate, or local business activity weakens, CPF does not have another geography to hide in.
the issue is concentration, not abstraction. a one-state footprint exposes the whole franchise to one local cycle.
med
net interest margin pressure
about 73% of the income mix shown here comes from net interest income. that means deposit costs, loan yields, and rate moves still run the show.
if the spread tightens, the latest $0.9M sequential income improvement can disappear quickly.
med
low quality profile
a 32.6 quality score and a 57 / 100 composite are the market's way of saying this is fine, not exceptional. low-quality banks rarely get premium multiples without a very clear catalyst.
13.1x earnings can look cheap for a long time if returns stay merely adequate.
low
thin disclosure in this snapshot
the latest update references better net income, but not a full bridge to consensus EPS. that limits how much conviction you should assign to any single quarter's headline.
when the facts are thin, the stock deserves less certainty. that's not bearish. that's just honest.
for CPF, the combined risk picture is simple: a $810M bank with $156M in long-term debt, a one-state footprint, and a low 32.6 quality score has less room for mistakes than a diversified national lender.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income
the latest snapshot shows $38M. if that number stops improving, the whole case for earnings stability gets thinner fast.
calendar
next earnings report
the next update matters less for the headline and more for the bridge. you want cleaner detail on EPS, credit quality, and deposit costs.
trend
whether fee income can matter more
non-interest income is $14M versus $38M from spread income. if that mix broadens, the business gets less rate-dependent.
risk
hawaii credit and property conditions
this is the external variable that matters most. one geography means local credit trends hit the whole story, not just one segment.
Analyst rankings
earnings predictability
65 / 100
in human-speak, analysts think this bank is somewhat readable, but not clean enough to remove surprise risk.
xvary composite
57 / 100
below average overall. that usually means you need a sharper catalyst than a decent dividend.
quality score
32.6
the market is not paying for excellence here. it is paying for survivability and hoping for incremental improvement.
source: institutional data
Institutional activity
institutional ownership data for CPF is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$32
current price
n/a
target midpoint · n/a from current
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