Central Pacific Financial Corp — Earnings Quality Grade A
CPF · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change -5 days YoY
AR growth 0.8% vs revenue growth 17.2%
Revenue 17.2%, CFFO 7.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -65.8% vs revenue 17.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.26. Profits backed by cash
FCF $0.1B, FCF/NI = 1.19
Accruals ratio = -0.3%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 2% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Central Pacific Financial Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25