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

Central Pacific (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 Financials

CPF

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Central Pacific (CPF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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 2026-04-29

A steady asset base is throwing off cash while lower leverage improves returns and rebuilds equity.

Between FY2023 and FY2025, total assets stayed near $7.4B, but ROA improved from 0.8% to 1.1% as long-term debt fell from $156.1M to $76.5M and equity rose to $592.6M. That combination suggests the business earned more from roughly the same balance-sheet footprint while relying less on borrowed funding, so the recovery was driven by better balance-sheet productivity rather than simple expansion.

Across FY2023-FY2025, operating cash flow held in a narrow band between $90.5M and $105.1M, even though net income softened in FY2024 before rebounding. With FY2025 capital spending at only $5.2M, free cash flow still reached $92.3M, which shows reported earnings are converting into cash without heavy reinvestment needs.

Shareholder payouts were funded from internal cash generation: FY2025 dividends paid were $29.4M against operating cash flow of $97.5M. At the same time, retained earnings climbed to $191.4M, indicating the company was able to distribute cash and still add to capital rather than financing payouts through a weaker balance sheet.

Financial Health Signals

Financial Profile 47/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Central Pacific'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.

Growth

Central Pacific's revenue surged 33.8% year-over-year to $51.8M, reflecting rapid business expansion. This strong growth earns a score of 42/100.

Leverage

Central Pacific carries a low D/E ratio of 0.13, meaning only $0.13 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Central Pacific converts 178.1% of revenue into free cash flow ($92.3M). This strong cash generation earns a score of 100/100.

Returns

Central Pacific's ROE of 13.1% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 9.9% the prior year.

Piotroski F-Score Strong

7/9

Central Pacific passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.26x

For every $1 of reported earnings, Central Pacific generates $1.26 in operating cash flow ($97.5M OCF vs $77.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$51.8M

YoY+33.8%

5Y CAGR+16.8%

10Y CAGR-10.4%

Central Pacific generated $51.8M in revenue in fiscal year 2025. This represents an increase of 33.8% from the prior year.

EBITDA

N/A

Net Income

$77.5M

YoY+45.1%

5Y CAGR+15.8%

10Y CAGR+5.4%

Central Pacific reported $77.5M in net income in fiscal year 2025. This represents an increase of 45.1% from the prior year.

EPS (Diluted)

$2.86

YoY+45.2%

5Y CAGR+16.7%

10Y CAGR+7.4%

Central Pacific earned $2.86 per diluted share (EPS) in fiscal year 2025. This represents an increase of 45.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$92.3M

YoY+22.4%

5Y CAGR+12.7%

10Y CAGR+3.0%

Central Pacific generated $92.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 22.4% from the prior year.

Cash & Debt

$378.7M

YoY-0.6%

5Y CAGR+29.5%

10Y CAGR+16.8%

Central Pacific held $378.7M in cash against $76.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.09

YoY+4.8%

5Y CAGR+3.4%

10Y CAGR+2.9%

Central Pacific paid $1.09 per share in dividends in fiscal year 2025. This represents an increase of 4.8% from the prior year.

Shares Outstanding

26M

YoY-2.9%

5Y CAGR-1.4%

10Y CAGR-1.7%

Central Pacific had 26M shares outstanding in fiscal year 2025. This represents a decrease of 2.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

149.5%

YoY+11.6pp

5Y CAGR-7.0pp

10Y CAGR+120.1pp

Central Pacific's net profit margin was 149.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 11.6 percentage points from the prior year.

Return on Equity

13.1%

YoY+3.2pp

5Y CAGR+6.3pp

10Y CAGR+3.8pp

Central Pacific's ROE was 13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$5.2M

YoY-65.8%

5Y CAGR-27.6%

10Y CAGR-1.2%

Central Pacific invested $5.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 65.8% from the prior year.

CPF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$51.8M+33.8%	$38.7M-17.0%	$46.7M-2.6%	$47.9M+11.3%	$43.1M+80.8%	$23.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$93.8M+9.1%	$85.9M+4.7%	$82.0M-7.6%	$88.8M-1.6%	$90.2M+7.6%	$83.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$73.3M-22.3%	$94.4M+29.9%	$72.7M+325.1%	$17.1M+121.6%	$7.7M-47.6%	$14.7M
Income Tax	$20.8M+42.2%	$14.6M-19.4%	$18.2M-26.9%	$24.8M-3.6%	$25.8M+119.0%	$11.8M
Net Income	$77.5M+45.1%	$53.4M-9.0%	$58.7M-20.6%	$73.9M-7.5%	$79.9M+114.3%	$37.3M
EPS (Diluted)	$2.86+45.2%	$1.97-9.2%	$2.17-19.0%	$2.68-5.3%	$2.83+114.4%	$1.32

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$11.6M-18.5%	$14.2M+5.1%	$13.5M+3.8%	$13.0M+17.3%	$11.1M+322.9%	$2.6M-79.4%	$12.7M+5.1%	$12.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$23.1M-5.7%	$24.5M-1.0%	$24.7M+9.0%	$22.7M+4.0%	$21.8M+0.7%	$21.7M-2.9%	$22.3M+5.0%	$21.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$15.7M-6.3%	$16.8M-10.0%	$18.7M+1.8%	$18.3M-6.1%	$19.5M-12.1%	$22.2M-7.7%	$24.0M+0.5%	$23.9M
Income Tax	$6.2M+15.9%	$5.3M+5.3%	$5.1M-9.6%	$5.6M+17.0%	$4.8M+132.8%	$2.1M-45.3%	$3.8M-22.2%	$4.8M
Net Income	$20.7M-9.4%	$22.9M+23.2%	$18.6M+1.7%	$18.3M+2.9%	$17.8M+56.5%	$11.3M-14.7%	$13.3M-15.9%	$15.8M
EPS (Diluted)	$0.78	N/A	$0.69+3.0%	$0.67+3.1%	$0.65	N/A	$0.49-15.5%	$0.58

CPF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.4B-0.8%	$7.5B-2.2%	$7.6B+2.8%	$7.4B+0.2%	$7.4B+12.5%	$6.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$378.7M-0.6%	$380.9M-27.1%	$522.4M+366.3%	$112.0M-65.9%	$328.9M+216.1%	$104.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$6.8B-1.7%	$6.9B-2.9%	$7.1B+2.3%	$7.0B+1.7%	$6.9B+13.4%	$6.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$76.5M-51.0%	$156.3M+0.2%	$156.1M+47.5%	$105.9M+0.2%	$105.6M	$0
Total Equity	$592.6M+10.1%	$538.4M+6.9%	$503.8M+11.2%	$452.9M-18.9%	$558.3M+2.1%	$546.7M
Retained Earnings	$191.4M+33.6%	$143.3M+21.4%	$118.0M+34.9%	$87.4M+108.1%	$42.0M+484.8%	-$10.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$7.5B+1.2%	$7.4B-0.2%	$7.4B+0.7%	$7.4B-0.5%	$7.4B-0.9%	$7.5B+0.8%	$7.4B+0.4%	$7.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$406.6M+7.4%	$378.7M+22.2%	$309.9M-2.2%	$317.0M+14.5%	$276.9M-27.3%	$380.9M+16.6%	$326.6M+9.3%	$298.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$6.9B+1.2%	$6.8B-0.2%	$6.8B+0.5%	$6.8B-0.7%	$6.8B-1.2%	$6.9B+0.9%	$6.9B0.0%	$6.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$76.5M0.0%	$76.5M-41.8%	$131.5M0.0%	$131.5M0.0%	$131.4M-16.0%	$156.3M0.0%	$156.3M0.0%	$156.2M
Total Equity	$593.9M+0.2%	$592.6M+0.8%	$588.1M+3.4%	$568.9M+2.1%	$557.4M+3.5%	$538.4M-1.0%	$543.7M+4.8%	$518.6M
Retained Earnings	$204.5M+6.9%	$191.4M+8.8%	$176.0M+6.9%	$164.7M+7.1%	$153.7M+7.3%	$143.3M+3.1%	$139.0M+4.7%	$132.7M

CPF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$97.5M+7.7%	$90.5M-13.9%	$105.1M-7.9%	$114.1M+3.3%	$110.5M+43.9%	$76.8M
Capital Expenditures	$5.2M-65.8%	$15.1M+19.3%	$12.7M-31.4%	$18.4M-16.8%	$22.2M-14.8%	$26.0M
Free Cash Flow	$92.3M+22.4%	$75.4M-18.4%	$92.5M-3.4%	$95.7M+8.3%	$88.3M+73.9%	$50.8M
Investing Cash Flow	$67.2M+10173.1%	$654K-99.6%	$179.7M+146.7%	-$384.5M+41.9%	-$662.3M-10.9%	-$596.9M
Financing Cash Flow	-$166.9M+28.3%	-$232.7M-285.2%	$125.6M+134.8%	$53.5M-93.1%	$776.6M+49.0%	$521.2M
Dividends Paid	$29.4M+4.3%	$28.1M+0.1%	$28.1M-1.4%	$28.5M+5.7%	$27.0M+3.9%	$25.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$18.3M-10.7%	$20.5M-7.7%	$22.2M-35.1%	$34.3M+67.7%	$20.4M-22.3%	$26.3M+23.7%	$21.3M-18.1%	$25.9M
Capital Expenditures	$1.1M-23.9%	$1.4M+60.5%	$873K-56.3%	$2.0M+124.9%	$889K-41.2%	$1.5M-73.2%	$5.6M+20.7%	$4.7M
Free Cash Flow	$17.3M-9.7%	$19.1M-10.5%	$21.4M-33.8%	$32.3M+65.1%	$19.6M-21.1%	$24.8M+58.7%	$15.6M-26.6%	$21.3M
Investing Cash Flow	-$61.8M-165.1%	$94.9M+281.3%	-$52.4M-178.5%	$66.7M+258.5%	-$42.1M-62.6%	-$25.9M-300.9%	$12.9M+268.9%	$3.5M
Financing Cash Flow	$71.5M+253.0%	-$46.7M-302.4%	$23.1M+137.9%	-$60.9M+26.0%	-$82.4M-252.7%	$54.0M+932.9%	-$6.5M+85.1%	-$43.4M
Dividends Paid	$7.6M+2.1%	$7.5M+2.4%	$7.3M-0.1%	$7.3M-0.5%	$7.3M+4.1%	$7.0M0.0%	$7.0M0.0%	$7.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CPF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	149.5%+11.6pp	137.9%+12.2pp	125.7%-28.5pp	154.3%-31.3pp	185.5%+29.0pp	156.5%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.13-0.2	0.29-0.0	0.31+0.1	0.23+0.0	0.19+0.2	0.00
FCF Margin	178.1%-16.7pp	194.8%-3.4pp	198.2%-1.5pp	199.7%-5.5pp	205.1%-8.2pp	213.3%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	179.1%+18.0pp	161.1%+23.6pp	137.5%-2.9pp	140.4%-19.7pp	160.1%-272.3pp	432.4%+327.9pp	104.5%-26.0pp	130.5%
Return on Equity	3.5%-0.4pp	3.9%+0.7pp	3.2%-0.0pp	3.2%+0.0pp	3.2%+1.1pp	2.1%-0.3pp	2.5%-0.6pp	3.0%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.0pp	0.2%+0.1pp	0.1%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.130.0	0.13-0.1	0.220.0	0.230.0	0.24-0.1	0.290.0	0.29-0.0	0.30
FCF Margin	149.2%+14.5pp	134.6%-23.5pp	158.2%-89.9pp	248.0%+71.8pp	176.2%-768.7pp	944.9%+822.2pp	122.7%-52.8pp	175.5%

Similar Companies

Hbt Financial, Inc. HBT

$1.0B

Equity Bancshare EQBK

$954.2M

Heritage Finl Corp Wash HFWA

$1.1B

Metropolitan Bank MCB

$1.1B

Mercantile Bk Corp MBWM

$906.0M

Frequently Asked Questions

What is Central Pacific's annual revenue?

Central Pacific (CPF) reported $51.8M in total revenue for fiscal year 2025. This represents a 33.8% 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's revenue growing?

Central Pacific (CPF) revenue grew by 33.8% year-over-year, from $38.7M to $51.8M in fiscal year 2025.

Is Central Pacific profitable?

Yes, Central Pacific (CPF) reported a net income of $77.5M in fiscal year 2025, with a net profit margin of 149.5%.

How much debt does Central Pacific have?

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

What is Central Pacific's net profit margin?

Central Pacific (CPF) had a net profit margin of 149.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Central Pacific pay dividends?

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

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

Central Pacific (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's free cash flow?

Central Pacific (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's operating cash flow?

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

What are Central Pacific's total assets?

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

What are Central Pacific's capital expenditures?

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

How many shares does Central Pacific have outstanding?

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

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

Central Pacific (CPF) had a debt-to-equity ratio of 0.13 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

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

Central Pacific (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's Piotroski F-Score?

Central Pacific (CPF) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. 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.

Are Central Pacific's earnings high quality?

Central Pacific (CPF) has an earnings quality ratio of 1.26x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Central Pacific?

Central Pacific (CPF) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.