COMP <GO>
CPF vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
Central Pacific Financial Corp (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: CPF 8
— MS 1
■ METRIC PARITY
LAST: $37.98 (-1.83%) • MKT CAP: $984.4M
balance-sheet
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CPF VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CPF | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.10% | 3.00% | +10.10 | CPF | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.38% | -7.25% | +16.63 | CPF | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | CPF | /net-margins <GO> |
| Revenue Growth (YoY) | 33.80% | 5.50% | +28.30 | CPF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.98% | 2.21% | +0.77 | CPF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | CPF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.1 | 51.0 | +14.10 | CPF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.7x | 16.5x | -5.80 | CPF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $984.4M | $298.41B | -$297.42B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CPF REV | MS REV | CPF GROSS % | MS GROSS % | CPF FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $51.8M | $0 | — | — | $92.3M | -$17.89B |
| FY 2024 | $38.7M | $0 | — | — | $75.4M | $1.36B |
| FY 2023 | $46.7M | $0 | — | — | $105.1M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CPF // BETA —
MS // BETA 1.04