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CPF vs V

CPF
Central Pacific Financial Corp.
BULLISH
Price
$34.01
Market Cap
$899.1M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CPF
11.89
V
28.35
Forward P/E
CPF
9.4
V
20.79
P/B Ratio
CPF
1.51
V
15.09
P/S Ratio
CPF
3.25
V
14.08
EV/EBITDA
CPF
--
V
20.06

Profitability

Gross Margin
CPF
0.0%
V
97.78%
Operating Margin
CPF
40.23%
V
68.3%
Profit Margin
CPF
27.97%
V
50.23%
ROE
CPF
13.7%
V
53.95%
ROA
CPF
1.04%
V
18.36%

Growth

Revenue Growth
CPF
28.3%
V
14.6%
Earnings Growth
CPF
103.1%
V
17.4%

Financial Health

Debt/Equity
CPF
--
V
0.55
Current Ratio
CPF
--
V
1.11
Quick Ratio
CPF
--
V
0.72

Dividends

Dividend Yield
CPF
3.41%
V
0.89%
Payout Ratio
CPF
38.11%
V
22.91%

AI Verdict

CPF BULLISH

CPF exhibits strong fundamental value, trading below its Graham Number ($38.08) and significantly below its growth-based intrinsic value ($84.37). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company is delivering explosive earnings growth (103.10% YoY) and maintaining a sustainable dividend payout. Despite a bearish technical trend (10/100), the low forward P/E of 9.40 and consistent historical earnings beats suggest a significant valuation disconnect. The overall profile is that of a high-growth regional bank trading at a defensive discount.

Strengths
Explosive earnings growth (103.10% YoY) and revenue growth (28.30% YoY)
Trading below Graham Number ($38.08) and Intrinsic Value ($84.37)
Low forward P/E ratio of 9.40 compared to sector averages
Risks
Severely bearish technical trend (10/100) indicating short-term momentum loss
Piotroski F-Score of 4/9 suggests only 'stable' health rather than 'strong'
Low insider sentiment (40/100) and lack of recent insider buying
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

CPF vs V: Head-to-Head Comparison

This page compares Central Pacific Financial Corp. (CPF) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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