Definitive Analysis

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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Mode

Company Industry Sector

Ticker

Industry

Sector

Central Pacific Financial Corp. (CPF)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth	$39.88 - $77.83	$54.92
Multi-Stage	$39.23 - $42.88	$41.02
Blended Fair Value	$47.97
Current Price	$30.34
Upside	58.10%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	1.83%	7.70%	1.04	1.03	1.05	0.99	0.95	0.95	0.89	0.78	0.69	0.96
YoY Growth	-	-	0.09%	-1.36%	5.73%	3.95%	0.89%	6.47%	13.35%	14.39%	-28.78%	95.02%
Dividend Yield	-	-	3.83%	5.34%	5.86%	3.56%	3.58%	5.95%	3.03%	2.75%	2.24%	4.42%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	65.95
(-) Cash Dividends Paid (M)	28.93
(=) Cash Retained (M)	37.02

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	13.19	8.24	4.95
Cash Retained (M)	37.02	37.02	37.02
(-) Cash Required (M)	-13.19	-8.24	-4.95
(=) Excess Retained (M)	23.83	28.77	32.07
(/) Shares Outstanding (M)	27.17	27.17	27.17
(=) Excess Retained per Share	0.88	1.06	1.18
LTM Dividend per Share	1.07	1.07	1.07
(+) Excess Retained per Share	0.88	1.06	1.18
(=) Adjusted Dividend	1.94	2.12	2.25
WACC / Discount Rate	8.74%	8.74%	8.74%
Growth Rate	3.69%	4.69%	5.69%
Fair Value	$39.88	$54.92	$77.83
Upside / Downside	31.45%	81.00%	156.52%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	65.95	69.04	72.28	75.67	79.22	82.93	85.42
Payout Ratio	43.87%	53.10%	62.32%	71.55%	80.77%	90.00%	92.50%
Projected Dividends (M)	28.93	36.66	45.05	54.14	63.99	74.64	79.02

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.74%	8.74%	8.74%
Growth Rate	3.69%	4.69%	5.69%
Year 1 PV (M)	33.39	33.71	34.04
Year 2 PV (M)	37.37	38.10	38.83
Year 3 PV (M)	40.91	42.11	43.33
Year 4 PV (M)	44.04	45.77	47.54
Year 5 PV (M)	46.80	49.10	51.49
PV of Terminal Value (M)	863.19	905.62	949.71
Equity Value (M)	1,065.70	1,114.40	1,164.93
Shares Outstanding (M)	27.17	27.17	27.17
Fair Value	$39.23	$41.02	$42.88
Upside / Downside	29.30%	35.20%	41.33%

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