CPF
Central Pacific Financial·NYSE
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2.38 / 10
Underperform
CPF's fundamental breakdown is unfavorable, with a low quality score of 2.4/10. Key weaknesses include sub-par net profit distribution and asset-to-market value ratios, despite respectable year-over-year profit growth (28.25%) and a solid gross margin (36.7%). This combination signals limited upside without clear catalysts.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value9.89
Score2/3
Weight8.13%
1M Return3.75%
Value9.89
Score2/3
Weight8.13%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.46%
1M Return3.05%
Value100.00
Score1/3
Weight6.46%
1M Return3.05%
Profit-MV
Value0.14
Score0/3
Weight10.52%
1M Return4.15%
Value0.14
Score0/3
Weight10.52%
1M Return4.15%
PB-ROE
Value1.41
Score2/3
Weight12.24%
1M Return5.42%
Value1.41
Score2/3
Weight12.24%
1M Return5.42%
Asset-MV
Value-0.50
Score1/3
Weight15.32%
1M Return5.76%
Value-0.50
Score1/3
Weight15.32%
1M Return5.76%
Revenue-MV
Value0.16
Score0/3
Weight6.98%
1M Return3.16%
Value0.16
Score0/3
Weight6.98%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.37%
1M Return3.43%
Value36.70
Score3/3
Weight7.37%
1M Return3.43%
Total profit (YoY growth rate %)
Value28.25
Score2/3
Weight8.28%
1M Return3.74%
Value28.25
Score2/3
Weight8.28%
1M Return3.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.37%
1M Return3.43%
Value100.00
Score3/3
Weight7.37%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight17.33%
1M Return7.61%
Value0.14
Score3/3
Weight17.33%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value9.89
Score2/3
Weight8.13%
1M Return3.75%
Value9.89
Score2/3
Weight8.13%
1M Return3.75%
Revenue-MV
Value0.16
Score0/3
Weight6.98%
1M Return3.16%
Value0.16
Score0/3
Weight6.98%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.46%
1M Return3.05%
Value100.00
Score1/3
Weight6.46%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.37%
1M Return3.43%
Value36.70
Score3/3
Weight7.37%
1M Return3.43%
Profit-MV
Value0.14
Score0/3
Weight10.52%
1M Return4.15%
Value0.14
Score0/3
Weight10.52%
1M Return4.15%
Total profit (YoY growth rate %)
Value28.25
Score2/3
Weight8.28%
1M Return3.74%
Value28.25
Score2/3
Weight8.28%
1M Return3.74%
PB-ROE
Value1.41
Score2/3
Weight12.24%
1M Return5.42%
Value1.41
Score2/3
Weight12.24%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.37%
1M Return3.43%
Value100.00
Score3/3
Weight7.37%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight15.32%
1M Return5.76%
Value-0.50
Score1/3
Weight15.32%
1M Return5.76%
Cash-MV
Value0.14
Score3/3
Weight17.33%
1M Return7.61%
Value0.14
Score3/3
Weight17.33%
1M Return7.61%
Is CPF undervalued or overvalued?
- CPF scores 2.38/10 on fundamentals and holds a Premium valuation at present. Backed by its 9.70% ROE, 24.00% net margin, 13.81 P/E ratio, 1.55 P/B ratio, and 16.19% earnings growth, these metrics solidify its Underperform investment rating.
