Central Pacific Financial vs TriCo Bancshares
CPF and TCBK side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CPF and TCBK compare
TriCo Bancshares is the larger company, worth 1.7 times as much as Central Pacific Financial ($1.7B against $988M).
On earnings, Central Pacific Financial is cheaper: it trades at 11.7× trailing earnings, against 12.0× for TriCo Bancshares.
Central Pacific Financial grew revenue faster over the last twelve months (31.1% versus 3.0% for TriCo Bancshares).
TriCo Bancshares keeps more of each dollar of sales as profit, with a net margin of 254% compared with 165% at Central Pacific Financial.
Both pay dividends: Central Pacific Financial yields 3.0% and TriCo Bancshares 2.8%.
TriCo Bancshares scores higher on the StockData Score (18 against 16 for Central Pacific Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CPF | TCBK |
|---|---|---|
| Size and price | ||
| Market cap | $988M | $1.7B |
| Share price | $38.82 | $51.79 |
| Change, 1 year | 31.6% | 13.4% |
| Change, 5 years | 39.9% | 15.8% |
| Beta (5Y) | 0.73 | 0.61 |
| Employees | 763 | 1,148 |
| StockData Score | ||
| Total score | 16 | 18 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 5 (better) | 4 |
| Health score | 4 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.7× (better) | 12.0× |
| P/S | 18.7× (better) | 30.2× |
| P/B | 1.7× | 1.2× (better) |
| P/FCF | 9.4× (better) | 12.8× |
| PEG | 5.35 | – |
| FCF yield | 10.6% (better) | 7.8% |
| Fair value | $34.16 | $52.39 |
| Margin of safety | −13.6% | 1.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 31.1% (better) | 3.0% |
| Revenue growth, 5Y average | 16.8% (better) | 7.1% |
| Net income growth (TTM) | 32.2% (better) | 19.2% |
| EPS growth (TTM) | 36.2% (better) | 21.1% |
| EPS growth, 5Y average | 16.7% (better) | 11.4% |
| Profitability | ||
| Net margin | 165% | 254% (better) |
| FCF margin | 198% | 235% (better) |
| Return on equity | 14.9% (better) | 10.6% |
| Financial health | ||
| Altman Z-score | 0.14 | 0.23 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 3.0% (better) | 2.8% |
| Payout ratio | 34.7% | 33.1% |
| Years of dividend growth | 1 | 13 (better) |
| Dividend growth, 5Y average | 3.4% | 9.4% (better) |
| Buyback yield | – | 2.0% |
| Shareholder yield | 3.0% | 4.8% (better) |
| Ownership | ||
| Held by institutions | 96.2% | 72.4% |
| Held by insiders | 11.1% | 8.3% |
| Short interest, % of float | 3.8% | 5.4% |
Go deeper
- CPF stock overview
- CPF income statement
- CPF valuation and score
- TCBK stock overview
- TCBK income statement
- TCBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.