Central Pacific Financial Corp.

Central Pacific Financial Corp.

CPFยทNYSE

$33.82

-2.2%
Financial ServicesBanks - Regional

Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, financial and agricultural loans, commercial and residential mortgages, and construction loans to small and medium-sized companies, business professionals, and real estate investors and developers, as well as home equity, and consumer loans to local homebuyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. As of December 31, 2021, it operated 30 branches and 69 automated teller machines in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.

At a Glance

Live Snapshot
Market Cap$882.74M
EPS2.8900
P/E Ratio11.70
Earnings Date07/24/2026
3Y+31.0%
5Y+41.0%
10Y+80.0%
3Y+5.0%
5Y+108.0%
10Y+65.0%
3Y-15.0%
5Y+27.0%
10Y+27.0%
Central Pacific Financial Corp.

Central Pacific Financial Corp. Profit Bridge

CPF ยท NYSE
Revenue362.32M
Cost of Goods Sold (86.52M)
Gross Profit275.80M
Operating Expenses (175.12M)
Operating Income100.68M
Interest Expense (73.28M)
Other Income/Expense-2.40M
Pretax Income98.28M
Income Tax (20.80M)
Net Income77.48M
Net Income
77.48M

Profitability Analysis

Gross Margin

76.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

21.4%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

21.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Central Pacific Financial Corp. Income Statement

CPF โ€ข NYSE

Central Pacific Financial Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
362.3M
340.5M
319.6M
277M
259.9M
257.6M
258.2M
232.1M
214.6M
200.9M
190.3M
190.5M
194.4M
188.6M
193M
209.6M
301.5M
358.2M
395.7M
363.5M
GROSS PROFIT
(86.5M)
(104M)
(87.9M)
(15.5M)
-7.1M
(56.8M)
(38.7M)
(23.2M)
(11.7M)
(2.1M)
-9.2M
-23K
-4.1M
-10.2M
-22.1M
(201.6M)
(416.5M)
(273.7M)
(191M)
(110.9M)
275.8M
236.5M
231.7M
261.5M
267M
200.8M
219.5M
209M
202.9M
198.8M
199.4M
190.5M
198.6M
198.8M
215.1M
8M
-115.1M
84.5M
204.7M
252.7M
OPERATING INCOME
(175.1M)
(168.4M)
(154.9M)
(162.7M)
(161.3M)
(151.7M)
(141.6M)
(130.7M)
(127.1M)
(125.5M)
(126.5M)
(129.7M)
(138.7M)
(151.3M)
(178.5M)
(258.9M)
(218.7M)
(272.3M)
(176.6M)
(132.2M)
(102.9M)
(98.2M)
(94.1M)
(102.4M)
(102.6M)
(87.6M)
(97.9M)
(94.6M)
(91.8M)
(93.1M)
(81.3M)
(80.2M)
(87.1M)
(80.2M)
(73.8M)
(66.8M)
(100M)
(97.8M)
(65.1M)
(75.8M)
100.7M
68M
76.8M
98.8M
105.7M
49M
77.9M
78.2M
75.8M
73.3M
73M
60.8M
59.8M
47.4M
36.6M
-251M
-333.7M
-187.7M
28.1M
120.5M
PRE-TAX INCOME
(73.3M)
(94.4M)
(72.7M)
(17.1M)
(7.7M)
(14.7M)
(32.3M)
(25.3M)
(14.9M)
(9.2M)
(6.5M)
(6.4M)
(7.2M)
(8.7M)
(18.6M)
(42.1M)
(67.7M)
(102M)
(138M)
(109.5M)
239.8M
211.2M
209.5M
215.2M
210.7M
197.1M
183M
172.7M
167.5M
157.7M
149.4M
143.3M
133.1M
119.7M
117.8M
118.6M
174.5M
201.4M
211.9M
210.8M
(72.2M)
(70.3M)
(60.8M)
(60.4M)
(58.7M)
(64.1M)
(43.7M)
(36.1M)
(35.3M)
(32.5M)
(45.2M)
(49.4M)
(51.7M)
(71.1M)
(104.7M)
(192.2M)
(118.7M)
(174.5M)
(111.4M)
(56.4M)
-2.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
98.3M
68M
76.8M
98.8M
105.7M
49M
77.9M
78.2M
75.8M
73.3M
73M
60.8M
59.8M
47.4M
36.6M
-251M
-333.7M
-187.7M
28.1M
120.5M
NET INCOME
(20.8M)
(14.6M)
(18.2M)
(24.8M)
(25.8M)
(11.8M)
(19.6M)
(18.8M)
(34.6M)
(26.3M)
(27.1M)
(20.4M)
-112.2M
(0.0)
(0.0)
(0.0)
-20M
-49.3M
(22.3M)
(41.3M)
77.5M
53.4M
58.7M
73.9M
79.9M
37.3M
58.3M
59.5M
41.2M
47M
45.9M
40.5M
172.1M
47.4M
36.6M
-251M
-313.7M
-138.4M
5.8M
79.2M

SEC Filings

CPF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 04, 2026
April 30, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 29, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 06, 2026
April 30, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
8-K

8-K 2025

N/A

December 16, 2025
December 16, 2025
2025
8-K

8-K 2025

N/A

November 07, 2025
November 06, 2025
2025
10-Q

10-Q 2025 Q3

Q3

October 29, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 29, 2025
October 29, 2025
2025
Showing 1 to 10 of 467 filings