1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. CENTRAL PACIFIC FINANCIAL CORP.
Central Pacific Financial Corp.
XNYS: CPF
Mid-range Performer
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35.81-0.47(-1.30%)
30.79% Gain from 52W Low
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XNYS 07 Oct, 2026 5:30 PM (EDT)

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Central Pacific Fin Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Central Pacific Fin Corp share price target, revenues, EPS, net income and more

Central Pacific Fin Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Central Pacific Fin Corp Jun-2026 Quarterly Revenue is $76 Million which is growth of 6.7% YoY.

  • POSITIVE

    Quarterly Net Profit Central Pacific Fin Corp Jun-2026 Quarterly Net Profit is $21 Million which is growth of 14.0% YoY.

Central Pacific Financial Corp., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
76.371.875.973.571.567.657.965.362.760.360.760.562
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------23.321.523.1
Operating Profit
----------
⌄
-------------
Profit Before Tax
26.926.928.223.623.922.613.417.120.716.919.117.519
Tax
6.16.25.35.15.64.82.13.84.844.34.44.5
⌄
20.820.722.918.618.317.811.413.315.81314.913.114.5
Diluted NI Avail to Com Stockholders Ann.
20.820.722.918.618.317.811.413.315.81314.913.114.5
Basic EPS
0.80.80.90.70.70.70.40.50.60.50.60.50.5
Diluted EPS After ExtraOrdinary
0.80.80.90.70.70.70.40.50.60.50.50.50.5
Number Of Shares End
2626.326.7272727.127.127.127.127.1272727
Net Income Continuing Discontinued Operations
20.820.722.918.618.317.811.413.315.81314.913.114.5
Normalized Income
20.820.724.118.618.317.811.413.315.81312.713.114.5
Interest Income
78.376.778.579.677.776.977.877.875.774.37472.369.2
Interest
15.915.716.818.718.319.522.224.123.924.22320.516.6
Net Interest Income
62.56161.760.959.457.455.753.751.850.15151.852.6
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.922221.93.41.91.91.91.921.9
Profit From Continuing Operations
20.820.722.918.618.317.811.413.315.81314.913.114.5
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Central Pacific Fin Corp competitor comparison and performance snapshot within industry

Central Pacific Fin Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Central Pacific Fin Corp Dec-2025 Annual Revenue is $289 Million which is growth of 17.2% YoY.

  • POSITIVE

    Annual Net Profit Central Pacific Fin Corp Dec-2025 Annual Net Profit is $77 Million which is growth of 45.1% YoY.

Central Pacific Financial Corp., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.1%
3.9%
 288.6246.1247263.5254.1238.3221.5206.8203.6196187.9
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---72.7-17.1-7.7-14.7-32.3-25.3-14.9-9.2-6.5
Operating Profit Ann.
-
-
 --319.6280.6261.8253253.8232.1218.5205.2194.4
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-0.2%
14.9%
105.798.36876.898.8105.74977.978.275.172.273
Tax Ann.
-5.7%
12%
22.720.814.618.224.825.811.819.618.833.925.227.1
⌄
1.6%
15.7%
8377.553.458.773.979.937.358.359.541.24745.9
Diluted NI Avail to Com Stockholders Ann.
1.6%
15.7%
8377.553.458.773.979.937.358.359.541.24745.9
EPS Ann.
2.4%
17.4%
 2.922.22.72.91.32.121.41.51.4
Diluted EPS Ann.
2.4%
17.4%
 2.922.22.72.81.3221.31.51.4
Number Of Shares End
-0.5%
-1%
 26.727.12727.127.828.128.3293030.831.3
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
1.6%
15.7%
8377.553.458.773.979.937.358.359.541.24745.9
Normalized Income Ann.
2.1%
14.8%
84.278.753.556.573.979.939.558.459.541.144.345.5
Interest Income Ann.
10.4%
8.1%
313.1312.7305.6282.2232.3218.4211.9215.4198182.4166.9155.9
Interest Ann.
62.4%
37.9%
6773.394.472.717.17.714.732.325.314.99.26.5
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-0.8%
-8.4%
7.989.17.78.210.512.48.610.211.413.812.7
Profit From Continuing Operations Ann.
1.6%
15.7%
8377.553.458.773.979.937.358.359.541.24745.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
17.3%
2Y CAGR
8.1%
3Y CAGR
3.1%
5Y CAGR
3.9%
7Y CAGR
4.9%
10Y CAGR
4.4%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
45.1%
2Y CAGR
14.9%
3Y CAGR
1.6%
5Y CAGR
15.7%
7Y CAGR
3.8%
10Y CAGR
5.4%
Net Profit Annual growth is higher than historical averages.

Central Pacific Fin Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Central Pacific Fin Corp Dec-2025 Total Shareholders Fund is $593 Million which is growth of 10.1% YoY.

  • NEGATIVE

    Total Assets Central Pacific Fin Corp Dec-2025 Total Assets is $7,409 Million which is growth of -0.8% YoY.

Central Pacific Financial Corp., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-0.1%
2.4%
7,409.27,472.17,642.87,432.87,419.16,594.66,012.75,8075,623.75,384.25,131.3
⌄
-0.8%
2.4%
6,816.76,933.77,1396,979.96,860.86,047.95,484.25,315.35,123.74,879.64,636.7
⌄
9.4%
1.6%
592.6538.4503.8452.9558.2546.7528.5491.7500504.7494.6
Total Capitalization Ann.
6.2%
0.5%
669.1694.7659.9558.7663.8652.1630.1613.9592.8597.4587.4
Tangible Assets Ann.
9.6%
1.8%
583.9529.9495.1443.8548.5534.8513.8476.1482.2484.2469.5
Working Capital Ann.
-
-
--
Invested Capital Ann.
5.9%
-0.1%
669.1694.7659.9563.7663.8674.1780.1810.9624.8732.4656.4
Tangible Book Value Ann.
9.6%
1.8%
583.9529.9495.1443.8548.5534.8513.8476.1482.2484.2469.5
Borrowings Ann.
-11.4%
-10.2%
102.1188.4186.7146.8146.4174.6304.2319.2124.8227.8161.8
Net Debt Ann.
-
-
-----23.3148.621742.5143.481.6
Share Issued Ann.
-0.7%
-1.3%
26.427.127.12727.728.228.3293030.831.4
Number Of Shares End
-0.5%
-1%
26.727.12727.127.828.128.3293030.831.3
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
-0.8%
2Y CAGR
-1.5%
3Y CAGR
-0.1%
5Y CAGR
2.4%
7Y CAGR
3.5%
10Y CAGR
3.7%
Total Assets Annual is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
10.1%
2Y CAGR
8.5%
3Y CAGR
9.4%
5Y CAGR
1.6%
7Y CAGR
2.7%
10Y CAGR
1.8%
Total ShareHolders Funds Annual growth is higher than historical averages.

Central Pacific Fin Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Central Pacific Fin Corp Book Value Per Share is $22 which is growth of 6.3% YoY.

  • NEUTRAL

    ROE Central Pacific Fin Corp ROE is 0% which is growth of 0% YoY.

Central Pacific Financial Corp., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.71%0.78%1.00%1.14%0.59%0.99%1.04%0.75%0.89%0.92%
ROE Ann. %
-
-
-10.25%12.26%14.62%14.46%6.93%11.43%12.00%8.20%9.41%8.63%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--129.42%106.49%103.04%106.18%114.59%112.23%107.30%104.69%103.46%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.40.40.30.30.30.30.30.20.20.2
*All financials are in USD Million and price data in USD
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Central Pacific Fin Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Central Pacific Fin Corp Dec-2025 Cash From Operating Activity is $97 Million which is growth of 7.7% YoY.

  • POSITIVE

    Net Cash Flow Central Pacific Fin Corp Dec-2025 Net Cash Flow is $-2 Million which is growth of 98.4% YoY.

Central Pacific Financial Corp., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-5.1%
4.9%
97.590.5105.1114.1110.576.872.2103.596.876.574.5
⌄
-
-
67.20.7179.7-384.5-662.3-597-129-211.1-296.1-277.2-315.1
⌄
-
-
-166.9-232.7125.653.5776.7521.357.6127.6197.3204.9234.8
Cash Plus Cash Eqv. End Of Year Ann.
50.1%
29.5%
378.7380.9522.4112328.9104.1103102.282.384.380.2
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-2.3-141.5410.4-216.9224.81.10.819.9-2.14.2-5.8
Cash Plus Cash Eqv. Begin Of Year Ann.
5%
29.9%
380.9522.4112328.9104.1103102.282.384.380.286
Income Tax Paid Supplemental Data Ann.
56.3%
1.4%
21.4-7.35.622.72024.108.41.6
Interest Paid Supplemental Data Ann.
73.3%
32.4%
70.3103.358.513.58.317.333.123.912.78.76.5
Capex Ann.
-
-
-5.2-15.1-12.7-18.4-22.2-26-7.2-3.2-6.5-5.9-5.8
Issuance Of Capital Stock Ann.
-
-
-0.71.20.2-0.90.4
Issuance Of Debt Ann.
-
-
50119.850-6631
Repayment Of Debt Ann.
-
-
-80---22-115.9-20.6-20.6--
Repurchase Of Capital Stock Ann.
-
-
-23.3-0.9-2.6-20.7-18.7-4.8-22.8-32.8-26.6-18.2-93.5
Free Cash Flow Ann.
-1.2%
12.7%
92.375.492.595.788.350.865100.390.370.668.7
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
7.7%
2Y CAGR
-3.7%
3Y CAGR
-5.1%
5Y CAGR
4.9%
7Y CAGR
-0.8%
10Y CAGR
2.7%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Investing Act. Ann.
1Y CHG
9500%
2Y CAGR
-38.8%
Cash from Investing Activity Annual growth is higher than historical averages.
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