What is Central Pacific Financial Corporation's earnings per share (EPS)?

Central Pacific Financial Corporation (CPF) reported diluted earnings per share of $2.86 for fiscal year 2025. This represents a 45.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Central Pacific Financial Corporation (CPF) Financials

CPF NYSE

Trailing 12 months to June 30, 2026

Revenue $301.5M +13.1% YoY

Net Income $83.0M +36.8% YoY

EPS (Diluted) $3.12 +39.9% YoY

Free Cash Flow $97.9M +5.2% YoY

Market Cap $971.5M as of Oct 26, 2026

Price / Sales 3.2x on $301.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.7x on $83.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $596.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CPF SEC filings page.

Central Pacific Financial Corporation (CPF) reported $301.5M in revenue over the twelve months to Jun 30, 2026, up 13.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CPF FY2025 2026-10-25

2025 restored earnings and reduced debt, but the bank’s multi-year cash generation still trails its accounting recovery.

The 2025 earnings rebound was sharper than operating cash flow: net income increased 45.1%, while operating cash flow increased only 7.7%. Free cash flow still reached $92.3M against operating cash flow of $97.5M, indicating cash remained close to reported earnings even as profit accelerated.

Long-term debt fell 51.0% between FY2024 and FY2025, reaching $76.5M. Yet liabilities remained 92.0% of assets and equaled 11.5x equity, so the institution is funded mainly by liabilities rather than long-term debt.

Capital spending fell 65.8% to $5.2M, just 5.3% of operating cash flow. Across FY2023-FY2025, revenue grew 14.0% while free cash flow edged down 0.2%, showing that earnings recovered faster than cumulative cash expansion.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 46/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Central Pacific Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Central Pacific Financial Corporation earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Central Pacific Financial Corporation scores 52/100 among other banks.

Growth

Central Pacific Financial Corporation reported revenue of $292.7M in fiscal year 2025, against $250.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Central Pacific Financial Corporation scores 44/100 among other banks.

Capital

Central Pacific Financial Corporation funded 8.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $592.6M of equity against $7.4B of assets. Capital ranks banks on that cushion, and Central Pacific Financial Corporation scores 11/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Central Pacific Financial Corporation scores 49/100 on it among other banks.

Credit Quality

n/a

Not available for Central Pacific Financial Corporation, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

Central Pacific Financial Corporation reported net income of $77.5M in fiscal year 2025, against $53.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Central Pacific Financial Corporation scores 73/100 among other banks.

Piotroski F-Score Partial

7/7

Central Pacific Financial Corporation passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$77.5M

YoY+6.4%

QoQ+6.2%

5Y CAGR+4.4%

10Y CAGR+4.6%

Central Pacific Financial Corporation generated $77.5M in revenue in Q2 2026. This represents an increase of 6.4% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

Net Income

$20.8M

YoY+14.0%

QoQ+0.5%

5Y CAGR+2.2%

10Y CAGR+5.5%

Central Pacific Financial Corporation reported $20.8M in net income in Q2 2026. This represents an increase of 14.0% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

EPS (Diluted)

$0.80

YoY+19.4%

QoQ+2.6%

5Y CAGR+3.9%

10Y CAGR+7.4%

Central Pacific Financial Corporation earned $0.80 per diluted share (EPS) in Q2 2026. This represents an increase of 19.4% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$41.0M

YoY+23.9%

QoQ+137.4%

5Y CAGR+4.0%

10Y CAGR+5.1%

Central Pacific Financial Corporation generated $41.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 23.9% from the same quarter a year earlier. Against the prior quarter it is up 137.4%.

Cash & Debt

$383.3M

YoY+20.9%

QoQ-5.7%

5Y CAGR+2.4%

10Y CAGR+15.5%

Central Pacific Financial Corporation held $383.3M in cash against $76.5M in long-term debt as of Q2 2026.

Dividends Per Share

$0.29

YoY+7.4%

QoQ0.0%

Central Pacific Financial Corporation paid $0.29 per share in dividends in Q2 2026. This represents an increase of 7.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

26M

YoY-4.6%

QoQ-1.4%

5Y CAGR-1.8%

10Y CAGR-1.8%

Central Pacific Financial Corporation had 26M shares outstanding in Q2 2026. This represents a decrease of 4.6% from the same quarter a year earlier. Against the prior quarter it is down 1.4%.

Margins & Returns

Net Margin

26.9%

YoY+1.8pp

QoQ-1.5pp

5Y change-3.0pp

10Y change+2.4pp

Central Pacific Financial Corporation's net profit margin was 26.9% in Q2 2026, showing the share of revenue converted to profit. This is up 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.

Return on Equity

3.5%

YoY+0.3pp

QoQ0.0pp

5Y change+0.1pp

10Y change+1.1pp

Central Pacific Financial Corporation's quarterly ROE was 3.5% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.3 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.9M

YoY-3.8%

QoQ+80.4%

5Y CAGR-19.9%

10Y CAGR+2.3%

Central Pacific Financial Corporation invested $1.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 3.8% from the same quarter a year earlier. Against the prior quarter it is up 80.4%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CPF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CPF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$301.5M	$292.7M+16.9%	$250.5M-2.4%	$256.7M-2.6%	$263.5M+3.7%	$254.1M+4.6%	$242.9M+7.5%	$225.9M+6.6%	$211.8M+3.7%	$204.2M+2.0%	$200.3M+8.6%	$184.3M-0.1%	$184.6M-1.8%	$188.1M+4.2%	$180.5M+3.2%	$174.8M
Interest Expense	$67.0M	$73.3M-22.3%	$94.4M+29.9%	$72.7M+325.1%	$17.1M+121.6%	$7.7M-47.6%	$14.7M-54.4%	$32.3M+27.7%	$25.3M+70.2%	$14.9M+61.7%	$9.2M+41.2%	$6.5M+1.8%	$6.4M-10.9%	$7.2M-17.9%	$8.7M-53.1%	$18.6M
Income Tax	$22.7M	$20.8M+42.2%	$14.6M-19.4%	$18.2M-26.9%	$24.8M-3.6%	$25.8M+119.0%	$11.8M-40.0%	$19.6M+4.5%	$18.8M-45.8%	$34.6M+31.7%	$26.3M-3.0%	$27.1M+32.9%	$20.4Mn/m	-$112.2M	N/A	$0
Net Income	$83.0M	$77.5M+45.1%	$53.4M-9.0%	$58.7M-20.6%	$73.9M-7.5%	$79.9M+114.3%	$37.3M-36.1%	$58.3M-2.0%	$59.5M+44.4%	$41.2M-12.3%	$47.0M+2.5%	$45.9M+13.4%	$40.5M-76.5%	$172.1M+262.9%	$47.4M+29.7%	$36.6M
EPS (Basic)	N/A	$2.88+46.2%	$1.97-9.2%	$2.17-19.6%	$2.70-5.3%	$2.85+114.3%	$1.33-35.1%	$2.05+1.5%	$2.02+48.5%	$1.36-10.5%	$1.52+7.0%	$1.42+31.5%	$1.08-73.7%	$4.10+259.6%	$1.14	$3.36
EPS (Diluted)	$3.12	$2.86+45.2%	$1.97-9.2%	$2.17-19.0%	$2.68-5.3%	$2.83+114.4%	$1.32-35.0%	$2.03+1.0%	$2.01+50.0%	$1.34-10.7%	$1.50+7.1%	$1.40+30.8%	$1.07-73.7%	$4.07+260.2%	$1.13	$3.31
Diluted Shares (Avg)	N/A	27M-0.4%	27M+0.3%	27M-1.8%	28M-2.4%	28M+0.3%	28M-1.7%	29M-3.2%	30M-3.4%	31M-1.9%	31M-4.4%	33M-13.9%	38M-10.4%	42M+0.6%	42M	36M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$77.5M+6.4%	$72.9M+6.0%	$76.3M+30.6%	$74.8M+12.3%	$72.8M+13.7%	$68.8M+12.0%	$58.4M-11.9%	$66.6M+7.4%
Interest Expense	$15.9M-13.5%	$15.7M-19.3%	$16.8M-24.3%	$18.7M-22.4%	$18.3M-23.4%	$19.5M-19.4%	$22.2M-3.4%	$24.0M+17.4%
Income Tax	$6.1M+8.3%	$6.2M+29.2%	$5.3M+159.3%	$5.1M+34.8%	$5.6M+15.9%	$4.8M+20.6%	$2.1M-51.8%	$3.8M-13.5%
Net Income	$20.8M+14.0%	$20.7M+16.7%	$22.9M+101.6%	$18.6M+39.6%	$18.3M+15.5%	$17.8M+37.2%	$11.3M-23.7%	$13.3M+1.2%
EPS (Basic)	$0.80+17.6%	$0.79+19.7%	$0.86+104.8%	$0.69+40.8%	$0.68+17.2%	$0.66+37.5%	$0.42-23.6%	$0.490.0%
EPS (Diluted)	$0.80+19.4%	$0.78+20.0%	$0.85+102.4%	$0.69+40.8%	$0.67+15.5%	$0.65+35.4%	$0.42-23.6%	$0.490.0%
Diluted Shares (Avg)	26M-3.5%	26M-2.9%	N/A	27M-0.4%	27M-0.2%	27M+0.4%	N/A	27M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

CPF Balance Sheet

CPF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$7.4B-0.8%	$7.5B-2.2%	$7.6B+2.8%	$7.4B+0.2%	$7.4B+12.5%	$6.6B+9.7%	$6.0B+3.5%	$5.8B+3.3%	$5.6B+4.4%	$5.4B+4.9%	$5.1B+5.7%	$4.9B+2.4%	$4.7B+8.5%	$4.4B+5.7%	$4.1B
Cash & Equivalents	$378.7M-0.6%	$380.9M-27.1%	$522.4M+366.3%	$112.0M-65.9%	$328.9M+216.1%	$104.1M+1.1%	$103.0M+0.8%	$102.2M+24.2%	$82.3M-2.4%	$84.3M+5.2%	$80.2M-6.8%	$86.0M+74.3%	$49.3M-72.2%	$177.4M-31.0%	$257.1M
Total Liabilities	$6.8B-1.7%	$6.9B-2.9%	$7.1B+2.3%	$7.0B+1.7%	$6.9B+13.4%	$6.0B+10.3%	$5.5B+3.2%	$5.3B+3.7%	$5.1B+5.0%	$4.9B+5.2%	$4.6B+8.2%	$4.3B+5.0%	$4.1B+5.8%	$3.9B+5.2%	$3.7B
Long-Term Debt	$76.5M-51.0%	$156.3M+0.2%	$156.1M+47.5%	$105.9M+0.2%	$105.6M	N/A	$101.5M-16.9%	$122.2M+31.7%	$92.8M0.0%	$92.8M0.0%	$92.8M0.0%	$92.8M0.0%	$92.8M-14.3%	$108.3M-31.6%	$158.3M
Total Equity	$592.6M+10.1%	$538.4M+6.9%	$503.8M+11.2%	$452.9M-18.9%	$558.3M+2.1%	$546.7M+3.4%	$528.5M+7.5%	$491.7M-1.7%	$500.0M-0.9%	$504.6M+2.0%	$494.6M-12.9%	$568.0M-13.9%	$660.1M+30.8%	$504.8M+10.6%	$456.4M
Retained Earnings	$191.4M+33.6%	$143.3M+21.4%	$118.0M+34.9%	$87.4M+108.1%	$42.0Mn/m	-$10.9Mn/m	-$19.1Mn/m	-$51.7Mn/m	-$89.0Mn/m	-$108.9Mn/m	-$137.3Mn/m	-$157.0Mn/m	-$184.1Mn/m	-$349.4Mn/m	-$396.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.5B+1.8%	$7.5B+1.2%	$7.4B-0.8%	$7.4B+0.1%	$7.4B-0.2%	$7.4B-0.1%	$7.5B-2.2%	$7.4B-2.9%
Cash & Equivalents	$383.3M+20.9%	$406.6M+46.8%	$378.7M-0.6%	$309.9M-5.1%	$317.0M+6.0%	$276.9M-11.5%	$380.9M-27.1%	$326.6M-25.6%
Total Liabilities	$6.9B+1.5%	$6.9B+0.8%	$6.8B-1.7%	$6.8B-0.6%	$6.8B-1.0%	$6.8B-0.8%	$6.9B-2.9%	$6.9B-4.2%
Long-Term Debt	$76.5M-41.8%	$76.5M-41.7%	$76.5M-51.0%	$131.5M-15.8%	$131.5M-15.8%	$131.4M-15.9%	$156.3M+0.2%	$156.3M+0.2%
Total Equity	$596.3M+4.8%	$593.9M+6.5%	$592.6M+10.1%	$588.1M+8.2%	$568.9M+9.7%	$557.4M+9.9%	$538.4M+6.9%	$543.7M+16.0%
Retained Earnings	$217.8M+32.3%	$204.5M+33.1%	$191.4M+33.6%	$176.0M+26.6%	$164.7M+24.1%	$153.7M+24.0%	$143.3M+21.4%	$139.0M+26.1%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.

CPF Cash Flow Statement

CPF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$103.2M	$97.5M+7.7%	$90.5M-13.9%	$105.1M-7.9%	$114.1M+3.3%	$110.5M+43.9%	$76.8M+6.4%	$72.2M-30.2%	$103.5M+6.9%	$96.8M+26.5%	$76.5M+2.7%	$74.5M+4.3%	$71.4M-15.5%	$84.5M+114.6%	$39.4M+70.3%	$23.1M
Depreciation & Amortization	N/A	$7.1M+3.3%	$6.9M-0.9%	$6.9M+1.1%	$6.9M-1.7%	$7.0M+12.2%	$6.2M+1.4%	$6.1M-2.4%	$6.3M-2.4%	$6.4M+6.5%	$6.0M+3.0%	$5.9M+0.5%	$5.8M-2.7%	$6.0M-5.4%	$6.4M-5.5%	$6.7M
Stock-Based Compensation	N/A	$2.3M+8.8%	$2.1M+26.7%	$1.6M-50.0%	$3.3M+1.3%	$3.2M0.0%	$3.2M+18.1%	$2.7M-1.5%	$2.8M+44.8%	$1.9M+43.9%	$1.3M-57.4%	$3.1M-25.8%	$4.2M-14.5%	$4.9M+23.8%	$4.0M+21.5%	$3.3M
Capital Expenditures	$5.3M	$5.2M-65.8%	$15.1M+19.3%	$12.7M-31.4%	$18.4M-16.8%	$22.2M-14.8%	$26.0M+261.2%	$7.2M+123.2%	$3.2M-50.6%	$6.5M+10.8%	$5.9M+1.4%	$5.8M-3.3%	$6.0M-4.3%	$6.3M+70.1%	$3.7M+394.8%	$747K
Free Cash Flow	$97.9M	$92.3M+22.4%	$75.4M-18.4%	$92.5M-3.4%	$95.7M+8.3%	$88.3M+73.9%	$50.8M-21.8%	$65.0M-35.2%	$100.3M+11.1%	$90.3M+27.9%	$70.6M+2.8%	$68.7M+5.0%	$65.4M-16.4%	$78.2M+119.2%	$35.7M+59.5%	$22.4M
Investing Cash Flow	-$61.7M	$67.2M+10173.1%	$654K-99.6%	$179.7Mn/m	-$384.5Mn/m	-$662.3Mn/m	-$596.9Mn/m	-$129.0Mn/m	-$211.1Mn/m	-$296.1M	N/A	N/A	N/A	N/A	N/A	-$687.2M
Financing Cash Flow	$24.8M	-$166.9Mn/m	-$232.7M-285.2%	$125.6M+134.8%	$53.5M-93.1%	$776.6M+49.0%	$521.2M+805.5%	$57.6M-54.9%	$127.5M-35.4%	$197.3M	N/A	N/A	N/A	N/A	N/A	$130.5M
Dividends Paid	$29.9M	$29.4M+4.3%	$28.1M+0.1%	$28.1M-1.4%	$28.5M+5.7%	$27.0M+3.9%	$25.9M+0.9%	$25.7M+6.5%	$24.1M+13.4%	$21.3M+14.4%	$18.6M-28.8%	$26.1M+95.0%	$13.4M+99.0%	$6.7M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$42.9M+22.3%	$18.3M-10.3%	$20.5M-22.0%	$21.4M+0.8%	$35.1M+35.1%	$20.4M+20.3%	$26.3M+21.7%	$21.3M-39.6%
Depreciation & Amortization	$1.7M-5.5%	$1.7M-0.7%	$1.7M+0.1%	$1.8M+6.8%	$1.8M+6.7%	$1.7M-0.3%	$1.7M+0.3%	$1.7M-8.2%
Stock-Based Compensation	N/A	$579K+2.3%	N/A	N/A	N/A	$566K+282.4%	N/A	N/A
Capital Expenditures	$1.9M-3.8%	$1.1M+19.9%	$1.4M-7.4%	$873K-84.5%	$2.0M-57.3%	$889K-72.7%	$1.5M-10.0%	$5.6M+109.2%
Free Cash Flow	$41.0M+23.9%	$17.3M-11.7%	$19.1M-22.9%	$20.6M+31.7%	$33.1M+55.5%	$19.6M+42.3%	$24.8M+24.4%	$15.6M-52.0%
Investing Cash Flow	-$42.4M-163.6%	-$61.8Mn/m	$94.9Mn/m	-$52.4M-506.3%	$66.7M+1809.7%	-$42.1M-514.2%	-$25.9M-126.9%	$12.9M-57.9%
Financing Cash Flow	-$23.8Mn/m	$71.5Mn/m	-$46.7M-186.5%	$23.9Mn/m	-$61.7Mn/m	-$82.4Mn/m	$54.0Mn/m	-$6.5M-110.5%
Dividends Paid	$7.5M+3.3%	$7.6M+3.9%	$7.5M+6.0%	$7.3M+3.5%	$7.3M+3.6%	$7.3M+4.2%	$7.0M+0.1%	$7.0M+0.1%

Not reported in any period shown, so not listed: Share Buybacks.

CPF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CPF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.5%+5.1pp	21.3%-1.5pp	22.9%-5.2pp	28.1%-3.4pp	31.4%+16.1pp	15.3%-10.5pp	25.8%-2.3pp	28.1%+7.9pp	20.2%-3.3pp	23.5%-1.4pp	24.9%+3.0pp	21.9%-69.6pp	91.5%+65.2pp	26.3%+5.4pp	20.9%
Return on Equity	13.1%+3.2pp	9.9%-1.7pp	11.6%-4.7pp	16.3%+2.0pp	14.3%+7.5pp	6.8%-4.2pp	11.0%-1.1pp	12.1%+3.9pp	8.2%-1.1pp	9.3%0.0pp	9.3%+2.2pp	7.1%-18.9pp	26.1%+16.7pp	9.4%+1.4pp	8.0%
Return on Assets	1.1%+0.3pp	0.7%-0.1pp	0.8%-0.2pp	1.0%-0.1pp	1.1%+0.5pp	0.6%-0.4pp	1.0%-0.1pp	1.0%+0.3pp	0.7%-0.1pp	0.9%0.0pp	0.9%+0.1pp	0.8%-2.8pp	3.6%+2.5pp	1.1%+0.2pp	0.9%
Debt-to-Equity	0.13-0.2x	0.290.0x	0.31+0.1x	0.230.0x	0.19	N/A	0.19-0.1x	0.25+0.1x	0.190.0x	0.180.0x	0.190.0x	0.160.0x	0.14-0.1x	0.21-0.1x	0.35
Liabilities-to-Equity	11.50-1.4x	12.88-1.3x	14.17-1.2x	15.41+3.1x	12.29+1.2x	11.06+0.7x	10.38-0.4x	10.81+0.6x	10.25+0.6x	9.67+0.3x	9.37+1.8x	7.54+1.4x	6.18-1.5x	7.64-0.4x	8.03
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	31.5%+1.4pp	30.1%-5.9pp	36.0%-0.3pp	36.3%+1.5pp	34.8%+13.9pp	20.9%-7.9pp	28.8%-18.6pp	47.3%+3.1pp	44.2%+9.0pp	35.3%-2.0pp	37.3%+1.8pp	35.4%-6.2pp	41.6%+21.8pp	19.8%+7.0pp	12.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	26.9%+1.8pp	28.4%+2.6pp	30.0%+10.6pp	24.8%+4.8pp	25.1%+0.4pp	25.8%+4.7pp	19.4%-3.0pp	20.0%-1.2pp
Return on Equity	3.5%+0.3pp	3.5%+0.3pp	3.9%+1.8pp	3.2%+0.7pp	3.2%+0.2pp	3.2%+0.6pp	2.1%-0.8pp	2.5%-0.3pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.2pp	0.3%+0.1pp	0.3%0.0pp	0.2%+0.1pp	0.1%0.0pp	0.2%0.0pp
Debt-to-Equity	0.13-0.1x	0.13-0.1x	0.13-0.2x	0.22-0.1x	0.23-0.1x	0.24-0.1x	0.290.0x	0.290.0x
Liabilities-to-Equity	11.58-0.4x	11.62-0.7x	11.50-1.4x	11.62-1.0x	11.95-1.3x	12.29-1.3x	12.88-1.3x	12.64-2.7x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	52.9%+7.5pp	23.7%-4.8pp	25.1%-17.4pp	27.5%+4.0pp	45.4%+12.2pp	28.4%+6.0pp	42.5%+12.4pp	23.5%-29.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Central Pacific Financial Corporation CPF	FY2025	$292.7M	$77.5M	26.5%	$971.5M	46/100
HBT Financial, Inc. HBT	FY2025	$237.1M	$77.0M	32.5%	$1.4B	66/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$1.0B	42/100
Heritage Financial Corp HFWA	FY2025	$246.1M	$67.5M	27.4%	$1.2B	51/100
Metropolitan Bank Holding Corp. MCB	FY2025	$315.1M	$71.1M	22.6%	$1.2B	53/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.1B	65/100

Where Central Pacific Financial Corporation Ranks

Frequently Asked Questions

What is Central Pacific Financial Corporation's annual revenue?

Central Pacific Financial Corporation (CPF) reported $292.7M in total revenue for fiscal year 2025. This represents a 16.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Central Pacific Financial Corporation's revenue growing?

Central Pacific Financial Corporation (CPF) revenue grew by 16.9% year-over-year, from $250.5M to $292.7M in fiscal year 2025.

Is Central Pacific Financial Corporation profitable?

Yes, Central Pacific Financial Corporation (CPF) reported a net income of $83.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $77.5M, with a net profit margin of 26.5%.

How much debt does Central Pacific Financial Corporation have?

As of fiscal year 2025, Central Pacific Financial Corporation (CPF) had $378.7M in cash and equivalents against $76.5M in long-term debt.

What is Central Pacific Financial Corporation's net profit margin?

Central Pacific Financial Corporation (CPF) had a net profit margin of 26.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Central Pacific Financial Corporation pay dividends?

Yes, Central Pacific Financial Corporation (CPF) paid $1.09 per share in dividends during fiscal year 2025.

What is Central Pacific Financial Corporation's return on equity (ROE)?

Central Pacific Financial Corporation (CPF) has a return on equity of 13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Central Pacific Financial Corporation's free cash flow?

Central Pacific Financial Corporation (CPF) generated $92.3M in free cash flow during fiscal year 2025. This represents a 22.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Central Pacific Financial Corporation's operating cash flow?

Central Pacific Financial Corporation (CPF) generated $97.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Central Pacific Financial Corporation's total assets?

Central Pacific Financial Corporation (CPF) had $7.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Central Pacific Financial Corporation's capital expenditures?

Central Pacific Financial Corporation (CPF) invested $5.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Central Pacific Financial Corporation have outstanding?

Central Pacific Financial Corporation (CPF) had 26M shares outstanding as of fiscal year 2025.

What is Central Pacific Financial Corporation's debt-to-equity ratio?

Central Pacific Financial Corporation (CPF) had a debt-to-equity ratio of 0.13 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Central Pacific Financial Corporation's liabilities-to-equity ratio?

Central Pacific Financial Corporation (CPF) had a liabilities-to-equity ratio of 11.50 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Central Pacific Financial Corporation's return on assets (ROA)?

Central Pacific Financial Corporation (CPF) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Central Pacific Financial Corporation's P/E ratio?

Central Pacific Financial Corporation (CPF) trades at 11.7x earnings, its market capitalization divided by $83.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $971.5M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Central Pacific Financial Corporation's price-to-sales ratio?

Central Pacific Financial Corporation (CPF) trades at 3.2x sales, its market capitalization divided by $301.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $971.5M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Central Pacific Financial Corporation's Piotroski F-Score?

Central Pacific Financial Corporation (CPF) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Central Pacific Financial Corporation?

Central Pacific Financial Corporation (CPF) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Central Pacific Financial Corporation it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.