Demonstrações financeiras detalhadas de Central Pacific Financial Corp. (CPF): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Central Pacific Financial Corp. registou receitas de $362.3M no último exercício, com um CAGR de 5 anos de 7.1%. O lucro líquido atingiu $77.5M, com CAGR de 5 anos de 15.8%.
Margens dos últimos 12 meses: margem bruta 76.0%, margem operacional 25.6%, margem líquida 26.4%. O fluxo de caixa livre cresceu a CAGR de 12.7% em 5 anos.
Ao preço atual de $37.55, CPF negocia a um P/L de 11.79 e um ROE de 14.00%. A capitalização de mercado é de $980M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $200.9M | $214.6M | $232.1M | $258.2M | $257.6M | $259.9M | $277.0M | $319.6M | $340.5M | $362.3M |
| Custo da Receita | $2.1M | $11.7M | $23.2M | $38.7M | $56.8M | -$7.1M | $15.5M | $87.9M | $104.0M | $86.5M |
| Lucro Bruto | $198.8M | $202.9M | $209.0M | $219.5M | $200.8M | $267.0M | $261.5M | $231.7M | $236.5M | $275.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $93.0M | $91.8M | $94.6M | $97.9M | $87.6M | $102.6M | $102.4M | $94.1M | $98.2M | $102.9M |
| Despesas Operacionais | $125.5M | $127.1M | $130.7M | $141.6M | $151.7M | $161.3M | $162.7M | $154.9M | $168.4M | $175.1M |
| Lucro Operacional | $73.3M | $75.8M | $78.2M | $77.9M | $49.0M | $105.7M | $98.8M | $76.8M | $68.0M | $100.7M |
| EBITDA | $87.1M | $87.2M | $88.4M | $86.5M | $61.4M | $116.1M | $106.9M | $84.5M | $77.2M | $108.6M |
| Despesas com Juros | $9.2M | $14.9M | $25.3M | $32.3M | $14.7M | $7.7M | $17.1M | $72.7M | $94.4M | $73.3M |
| Lucro Antes de Impostos | $73.3M | $75.8M | $78.2M | $77.9M | $49.0M | $105.7M | $98.8M | $76.8M | $68.0M | $98.3M |
| Imposto | $26.3M | $34.6M | $18.8M | $19.6M | $11.8M | $25.8M | $24.8M | $18.2M | $14.6M | $20.8M |
| Lucro Líquido | $47.0M | $41.2M | $59.5M | $58.3M | $37.3M | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| LPA | $1.52 | $1.36 | $2.02 | $2.05 | $1.33 | $2.85 | $2.70 | $2.17 | $1.97 | $2.87 |
| LPA Diluído | $1.50 | $1.34 | $2.01 | $2.03 | $1.32 | $2.83 | $2.68 | $2.17 | $1.97 | $2.87 |
| Ações em Circulação (Diluídas) | $31.2M | $30.6M | $29.6M | $28.7M | $28.2M | $28.3M | $27.6M | $27.1M | $27.2M | $26.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $92.2M | $93.1M | $87.5M | $42.0M |
| Lucro Bruto | $69.4M | $76.3M | $69.5M | $24.0M |
| Lucro Operacional | $23.6M | $30.6M | $26.9M | -$719000 |
| EBITDA | $25.6M | $32.6M | $28.9M | -$2.7M |
| Lucro Líquido | $18.6M | $22.9M | $20.7M | $20.8M |
| LPA | $0.69 | $0.86 | $0.79 | $0.80 |
| LPA Diluído | $0.69 | $0.85 | $0.78 | $0.80 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $84.3M | $82.3M | $102.2M | $103.0M | $104.1M | $328.9M | $112.0M | $522.4M | $380.9M | $378.7M |
| Investimentos de Curto Prazo | $1.24B | $1.30B | $1.21B | $1.13B | $1.18B | $1.63B | $671.8M | $647.2M | $543.9M | $532.0M |
| Contas a Receber | $15.7M | $16.6M | $17.0M | $16.5M | $20.2M | $16.7M | $20.3M | $21.5M | $23.4M | $23.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.34B | $1.40B | $1.32B | $1.25B | $1.31B | $1.98B | $804.2M | $1.19B | $948.2M | $934.2M |
| Imobilizado | $48.3M | $48.3M | $45.3M | $98.7M | $111.1M | $119.8M | $126.6M | $125.9M | $135.2M | $125.4M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $20.5M | $17.8M | $15.6M | $14.7M | $11.9M | $9.7M | $9.1M | $8.7M | $8.5M | $8.7M |
| Ativos Totais | $5.38B | $5.62B | $5.81B | $6.01B | $6.59B | $7.42B | $7.43B | $7.64B | $7.47B | $7.41B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | $4.7M | $18.9M | $10.1M | $7.1M |
| Dívida de Curto Prazo | $135.0M | $32.0M | $197.0M | $150.0M | $22.0M | 0 | $5.0M | 0 | 0 | 0 |
| Passivos Circulantes | $4.74B | $4.99B | $5.14B | $5.27B | $5.82B | $6.64B | $6.75B | $6.87B | $6.65B | $6.62B |
| Dívida de Longo Prazo | $92.8M | $92.8M | $122.2M | $101.5M | $105.4M | $105.6M | $105.9M | $156.1M | $156.3M | $76.5M |
| Passivos Totais | $4.88B | $5.12B | $5.32B | $5.48B | $6.05B | $6.86B | $6.98B | $7.14B | $6.93B | $6.82B |
| Reservas | -$108.9M | -$89.0M | -$51.7M | -$19.1M | -$10.9M | $42.0M | $87.4M | $118.0M | $143.3M | $191.4M |
| Patrimônio Líquido | $504.6M | $500.0M | $491.7M | $528.5M | $546.7M | $558.2M | $452.9M | $503.8M | $538.4M | $592.6M |
| Dívida Total | $227.8M | $124.8M | $319.2M | $304.2M | $174.6M | $146.3M | $146.7M | $186.7M | $188.4M | $102.1M |
| Dívida Líquida | -$1.10B | -$1.26B | -$988.5M | -$925.8M | -$1.11B | -$1.81B | -$637.1M | -$982.9M | -$736.4M | -$808.5M |
| Capital de Giro | -$3.40B | -$3.59B | -$3.82B | -$4.02B | -$4.51B | -$4.66B | -$5.94B | -$5.68B | -$5.71B | -$5.68B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $309.9M | $378.7M | $406.6M | $383.3M |
| Ativos Totais | $7.42B | $7.41B | $7.50B | $7.50B |
| Passivos Totais | $6.83B | $6.82B | $6.90B | $6.90B |
| Patrimônio Líquido | $588.1M | $592.6M | $593.9M | $596.3M |
| Dívida Total | $157.8M | $102.1M | $101.6M | $100.6M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $47.0M | $41.2M | $59.5M | $58.3M | $37.3M | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| Depreciação e Amortização | $13.8M | $11.4M | $10.2M | $8.6M | $12.4M | $10.5M | $8.2M | $7.6M | $9.1M | $7.9M |
| Compensação em Ações | $1.3M | $1.9M | $2.8M | $2.7M | $3.2M | $3.2M | $3.3M | $1.6M | $2.1M | $2.3M |
| Variação Capital de Giro | $4.8M | -$15.7M | $2.4M | -$1.2M | -$2.9M | $2.3M | $11.7M | $15.7M | $4.3M | $8.2M |
| Fluxo de Caixa Operacional | $76.5M | $96.8M | $103.5M | $72.2M | $76.8M | $110.5M | $114.1M | $105.1M | $90.5M | $97.5M |
| CapEx | -$5.9M | -$6.5M | -$3.2M | -$7.2M | -$26.0M | -$22.2M | -$18.4M | -$12.7M | -$15.1M | -$5.2M |
| Aquisições | -$5000 | -$114000 | -$3.3M | -$1.2M | -$8.4M | -$2.9M | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$18.2M | -$26.6M | -$32.8M | -$22.8M | -$4.7M | -$18.7M | -$20.7M | -$2.6M | -$945000 | -$23.3M |
| Dividendos Pagos | -$18.6M | -$21.3M | -$24.1M | -$25.7M | -$25.9M | -$27.0M | -$28.5M | -$28.1M | -$28.1M | -$29.4M |
| Fluxo de Caixa Livre | $70.6M | $90.3M | $100.3M | $65.0M | $50.8M | $88.3M | $95.7M | $92.5M | $75.4M | $92.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $22.2M | $20.5M | $18.3M | $42.9M |
| CapEx | -$873000 | -$1.4M | -$1.1M | -$1.9M |
| Fluxo de Caixa Livre | $21.4M | $19.1M | $17.3M | $41.0M |
| Dividendos Pagos | -$7.3M | -$7.5M | -$7.6M | -$7.5M |
| Compensação em Ações | $642000 | $633000 | -$807000 | $2.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +6.8% | +8.2% | +11.2% | -0.2% | +0.9% | +6.6% | +15.4% | +6.5% | +6.4% |
| Crescimento Lucro Líquido (anual) | | -12.3% | +44.4% | -2.0% | -36.1% | +114.3% | -7.5% | -20.6% | -9.0% | +45.1% |
| Crescimento LPA (anual) | | -10.5% | +48.5% | +1.5% | -35.1% | +114.3% | -5.3% | -19.6% | -9.2% | +45.7% |
| Variação de Ações (anual) | | -1.9% | -3.4% | -3.2% | -1.7% | +0.3% | -2.4% | -1.8% | +0.4% | -1.4% |
| Crescimento FCF (anual) | | +27.9% | +11.1% | -35.2% | -21.8% | +73.9% | +8.3% | -3.4% | -18.4% | +22.4% |
| Margem Bruta | 99.0% | 94.5% | 90.0% | 85.0% | 77.9% | 102.7% | 94.4% | 72.5% | 69.5% | 76.1% |
| Margem Operacional | 36.5% | 35.3% | 33.7% | 30.2% | 19.0% | 40.7% | 35.7% | 24.0% | 20.0% | 27.8% |
| Margem EBITDA | 43.3% | 40.6% | 38.1% | 33.5% | 23.8% | 44.7% | 38.6% | 26.4% | 22.7% | 30.0% |
| Margem Líquida | 23.4% | 19.2% | 25.6% | 22.6% | 14.5% | 30.7% | 26.7% | 18.4% | 15.7% | 21.4% |
| Margem FCF | 35.1% | 42.1% | 43.2% | 25.2% | 19.7% | 34.0% | 34.5% | 28.9% | 22.2% | 25.5% |
| Taxa Efetiva de Imposto | 35.9% | 45.6% | 24.0% | 25.2% | 24.0% | 24.4% | 25.2% | 23.6% | 21.5% | 21.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.26 | $2.95 | $3.39 | $2.27 | $1.80 | $3.13 | $3.47 | $3.41 | $2.77 | $3.44 |
| Dividendo por Ação | $0.60 | $0.70 | $0.82 | $0.90 | $0.92 | $0.95 | $1.03 | $1.04 | $1.03 | $1.09 |
| Ações em Circulação (Básicas) | $31.0M | $30.4M | $29.4M | $28.5M | $28.1M | $28.0M | $27.4M | $27.0M | $27.1M | $26.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 14.00% |
| Retorno sobre capital investido | 7.73% |
| Retorno sobre ativos | 1.11% |
| Margem bruta | 75.98% |
| Margem operacional | 25.55% |
| Margem líquida | 26.36% |
Saúde financeira
| Dívida / Patrimônio | 0.17 |
| Liquidez corrente | 0.27 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 20.67 | 21.93 | 12.05 | 14.43 | 14.29 | 9.88 | 7.51 | 9.07 | 14.75 | 10.86 |
| P/VP | 1.93 | 1.81 | 1.46 | 1.59 | 0.98 | 1.41 | 1.23 | 1.06 | 1.46 | 1.41 |
| P/V | 4.85 | 4.23 | 3.08 | 3.26 | 2.07 | 3.04 | 2.01 | 1.66 | 2.31 | 2.31 |
| Margem Bruta | 99.0% | 94.5% | 90.0% | 85.0% | 77.9% | 102.7% | 94.4% | 72.5% | 69.5% | 76.1% |
| Margem Operacional | 36.5% | 35.3% | 33.7% | 30.2% | 19.0% | 40.7% | 35.7% | 24.0% | 20.0% | 27.8% |
| Margem Líquida | 23.4% | 19.2% | 25.6% | 22.6% | 14.5% | 30.7% | 26.7% | 18.4% | 15.7% | 21.4% |