NYSE$CPF

Central Pacific Financial Corp · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Reported net income of $18.0 million and increased cash dividend.

Central Pacific Financial Corp. reported a strong first quarter in 2021, with net income reaching $18.0 million, or $0.64 per diluted share. The company's ROA was 1.07% and ROE was 13.07%. Total loans increased by $173.7 million, primarily due to an increase in PPP loans. The Board of Directors increased the quarterly cash dividend by 4.3% to $0.24 per share.

  • Net income for the first quarter was $18.0 million, or $0.64 per diluted share.
  • Return on Average Assets (ROA) was 1.07% and Return on Average Equity (ROE) was 13.07% for the first quarter.
  • Total loans increased by $173.7 million, or 3.5% from the fourth quarter of 2020, primarily due to an increase in PPP loans of $181.4 million.
  • The Board of Directors increased the quarterly cash dividend by 4.3% to $0.24 per share.

Headline financials

Total Revenue

$60.5M

Previous: $56.7M+6.7%
EPS (adj)

$0.64

Previous: $0.29+120.7%
Efficiency Ratio

62.5%

Previous: 63.9%-2.1%
Net Interest Margin

3.2%

No prior period
Capital Expenditures

-$8.96M

Previous: -$5.61M-59.8%
Free Cash Flow

$9.08M

Previous: $2.72M+234.0%
Net Income

$18M

Previous: $8.33M+116.6%
Operating Income

$50.1M

Previous: $44.2M+13.2%
Gross Profit

$60.3M

Previous: $56.7M+6.3%
Cash & Equivalents

$260M

Previous: $93M+179.5%
Total Assets

$6.98B

Previous: $6.11B+14.3%
Stock-Based Comp

$879K

Previous: $673K+30.6%

Revenue & EPS history

Central Pacific Financial · Revenue · Quarterly

$60.5M

Q1 2021+6.7%vs Q1 2020
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

Central Pacific Financial Corp.'s first quarter 2021 results are the highest quarterly pre-tax income reported since 2007. The company is pleased to announce an increase to the quarterly cash dividend and believe that RISE2020 investments have positioned the company well. They remain highly committed to continuing to deliver results and achievement of financial targets.

Tailwinds

  • Strong first quarter results with the highest quarterly pre-tax income since 2007.
  • Hawaii economy continues to recover.
  • Increased quarterly cash dividend.
  • RISE2020 investments have positioned the company well.
  • Committed to continuing to deliver results and achievement of financial targets.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.6%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+1.6%

Avg return

30 days after

53%

35 / 66 earnings

Positive

+15.9%

Q1 2010

Best reaction

-10.1%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.1%-3.1%-0.7%
Q4 2025+0.0%+4.1%+0.5%
Q3 2025-6.3%-4.2%-1.8%
Q2 2025-0.2%-0.8%+6.4%
Q1 2025+1.0%-1.2%+1.4%
Q4 2024+3.0%+2.4%+1.6%
Q3 2024-7.6%-7.8%+9.5%
Q2 2024-0.7%-4.5%+5.8%
Q1 2024+4.0%+1.4%+3.5%
Q4 2023-0.6%-4.4%-5.9%
Q3 2023+1.9%+1.9%+12.7%
Q2 2023-0.7%+0.2%-6.2%
Q1 2023+4.4%+3.8%+1.6%
Q4 2022+4.4%+4.5%+11.0%
Q3 2022-10.1%-12.1%-5.6%
Q2 2022+1.8%+2.3%-0.8%
Q1 2022-2.4%-7.0%-16.1%
Q4 2021-2.3%-1.9%-2.2%
Q3 2021+1.9%+4.1%+0.5%
Q2 2021+3.2%+1.0%+4.6%
Q1 2021+2.9%+5.3%+4.1%
Q4 2020+4.2%+6.3%+15.9%
Q3 2020-3.8%-2.5%+22.5%
Q2 2020+6.6%+3.9%+8.0%
Q1 2020+4.4%+6.7%+1.8%
Q4 2019+1.5%+1.5%-14.4%
Q3 2019-2.2%-1.3%-1.2%
Q2 2019-5.4%-3.5%-8.6%
Q1 2019+0.6%+1.3%-2.2%
Q4 2018+5.8%+6.9%+7.5%
Q3 2018+8.2%+8.9%+12.4%
Q2 2018-1.4%-4.3%-0.3%
Q1 2018-4.0%-6.3%-3.7%
Q4 2017-4.7%-3.8%-8.7%
Q3 2017-2.6%-5.0%-6.5%
Q2 2017-2.7%-2.5%-8.1%
Q1 2017+1.5%+1.4%-2.3%
Q4 2016+8.2%+2.7%+4.1%
Q3 2016+1.2%+1.6%+21.4%
Q2 2016+0.0%-0.6%+3.4%
Q1 2016+5.3%
Q4 2015+7.5%
Q3 2015+0.0%
Q2 2015-0.2%
Q1 2015-3.1%
Q4 2014+7.0%
Q3 2014-2.9%
Q2 2014-4.6%
Q1 2014+2.9%
Q4 2013-3.7%
Q3 2013-0.6%
Q2 2013-0.8%
Q1 2013+5.6%
Q4 2012+4.6%
Q3 2012-2.8%
Q2 2012+3.5%
Q1 2011-2.2%
Q1 2012+3.4%
Q4 2010+0.0%
Q4 2011+0.0%
Q4 2009+0.0%
Q3 2011+0.6%
Q3 2010+0.6%
Q2 2011-6.4%
Q2 2010-6.4%
Q1 2010+15.9%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro