Provide a variety of deposit products including checking and savings accounts. Offer commercial and residential loans to businesses and individuals. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 9% a year over the last 4 years. Every year shown ended in profit.
The market pays 12.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 89% of them.
Analysts' average target sits 26% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 21% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 9% a year on average.
The stock trades 26% above the average analyst price target.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 49/100.
On our five-subject report card, CPF sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CPF is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.