CPF - NYSE

Central Pacific Financial Corp.

CPF·NYSE

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$882.74M

EPS2.8900

P/E Ratio11.70

Earnings Date07/24/2026

7.41B

Assets

-1%

3Y-

5Y+12.0%

10Y+38.0%

6.82B

Total Liabilities

-2%

3Y-2.0%

5Y+13.0%

10Y+40.0%

592.58M

Total Equity

10%

3Y+31.0%

5Y+8.0%

10Y+17.0%

Central Pacific Financial Corp. Funding & Solvency Profile

CPF · NYSE

Current Assets

Cash & Cash Equivalents378.65M

Net Receivables23.56M

Inventory0.00

Other Current Assets0.00

Total Current Assets934 M

Non-Current Assets

Property, Plant & Equipment125.44M

Goodwill & Intangible Assets8.67M

Long-Term Investments6.07B

Other Non-Current Assets270.40M

Total Non-Current Assets6 B

Total Assets

7.41B

Financial Health Analysis

Current Ratio

0.14x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

11.50x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-5682657000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

13% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Central Pacific Financial Corp. Balance Sheet

CPF • NYSE

Central Pacific Financial Corp. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	378.7M	380.9M	522.4M	112M	328.9M	104.1M	103M	102.2M	82.3M	84.3M	80.2M	86M	49.3M	177.4M	257.1M	790.7M	488.4M	107.7M	79.3M	135.6M
Short-Term Investments	532M	543.9M	647.2M	671.8M	1.6B	1.2B	1.1B	1.2B	1.3B	1.2B	1.3B	1.2B	1.4B	1.5B	1.5B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	910.6M	924.8M	1.2B	783.8M	2B	1.3B	1.2B	1.3B	1.4B	1.3B	1.4B	1.3B	1.5B	1.7B	1.8B	790.7M	488.4M	107.7M	79.3M	135.6M
Net Receivables	23.6M	23.4M	21.5M	20.3M	16.7M	20.2M	16.5M	17M	16.6M	15.7M	14.9M	13.6M	14.1M	13.9M	11.7M	13.5M	54.4M	62.5M	26M	26.3M
Accounts Receivables	23.6M	23.4M	21.5M	20.3M	16.7M	20.2M	16.5M	17M	16.6M	15.7M	14.9M	13.6M	14.1M	13.9M	11.7M	11.3M	14.6M	20.1M	26M	26.3M
Other Receivables	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	2.2M	39.8M	42.4M	0.0	0.0
Total Current Assets	934.2M	948.2M	1.2B	804.2M	2B	1.3B	1.2B	1.3B	1.4B	1.3B	1.4B	1.3B	1.5B	1.7B	1.8B	804.2M	542.8M	170.2M	105.4M	161.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	125.4M	135.2M	125.9M	126.6M	119.8M	111.1M	98.7M	45.3M	48.3M	48.3M	49.2M	49.2M	49M	48.8M	51.4M	57.4M	75.2M	81.1M	82.8M	77.3M
Goodwill	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	102.7M	152.7M	244.7M	297.9M
Intangible Assets	8.7M	8.5M	8.7M	9.1M	9.7M	11.9M	14.7M	15.6M	17.8M	20.5M	25.2M	29.7M	32.8M	37.5M	42M	44.6M	45.4M	39.8M	11.2M	11.6M
Goodwill & Intangible Assets	8.7M	8.5M	8.7M	9.1M	9.7M	11.9M	14.7M	15.6M	17.8M	20.5M	25.2M	29.7M	32.8M	37.5M	42M	44.6M	148.1M	192.5M	255.9M	309.5M
Long-Term Investments	6.1B	6.1B	6.1B	6.2B	5.1B	4.9B	4.4B	4.2B	3.9B	3.7B	3.4B	3.1B	2.8B	2.3B	2B	2.8B	3.9B	4.7B	5B	4.7B
Other Non-Current Assets	270.4M	257.8M	266.3M	288.5M	245.5M	235.8M	223.9M	221M	218M	247M	273.2M	332.1M	367.6M	237.5M	271.5M	265.2M	241.2M	271.3M	250.4M	206.7M
Total Non-Current Assets	6.5B	6.5B	6.5B	6.6B	5.4B	5.3B	4.8B	4.5B	4.2B	4B	3.8B	3.5B	3.3B	2.6B	2.4B	3.1B	4.3B	5.3B	5.6B	5.3B
Total Assets	7.4B	7.5B	7.6B	7.4B	7.4B	6.6B	6B	5.8B	5.6B	5.4B	5.1B	4.9B	4.7B	4.4B	4.1B	3.9B	4.9B	5.4B	5.7B	5.5B
LIABILITIES
CURRENT LIABILITIES
Total Payables	7.1M	10.1M	18.9M	4.7M	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
Accounts Payable	7.1M	10.1M	18.9M	4.7M	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
Short Term Debt	0.0	0.0	0.0	5M	0.0	22M	150M	197M	32M	135M	69M	38M	8M	0.0	34K	202.5M	242.4M	279.5M	16M	79.3M
Deferred Revenue	0.0	0.0	0.0	261K	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
Other Current Liabilities	6.6B	6.6B	6.8B	6.7B	6.6B	5.8B	5.1B	4.9B	5B	4.6B	4.4B	4.1B	3.9B	3.7B	3.4B	3.1B	3.6B	3.9B	4B	3.8B
Total Current Liabilities	6.6B	6.7B	6.9B	6.7B	6.6B	5.8B	5.3B	5.1B	5B	4.7B	4.5B	4.1B	3.9B	3.7B	3.4B	3.3B	3.8B	4.2B	4B	3.9B
NON-CURRENT LIABILITIES
Long Term Debt	76.5M	156.3M	156.1M	105.9M	105.6M	105.4M	101.5M	122.2M	92.8M	92.8M	92.8M	92.8M	92.8M	108.3M	158.3M	459.8M	657.9M	649.3M	916M	740.2M
Other Non-Current Liabilities	97.7M	91.3M	85.7M	92.2M	75.3M	77.2M	60M	49.6M	42.5M	43.6M	41.4M	43.9M	44M	66.5M	64.6M	66.8M	54.3M	55.7M	58.1M	71.9M
Total Non-Current Liabilities	199.8M	279.6M	272.4M	233.9M	221.7M	229.7M	214.1M	171.8M	135.3M	136.4M	134.2M	136.6M	136.8M	174.8M	222.9M	526.6M	712.2M	705M	974.2M	812.1M
Capital Lease Obligations	25.5M	32M	30.6M	35.9M	40.7M	47.2M	52.6M	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
Total Liabilities	6.8B	6.9B	7.1B	7B	6.9B	6B	5.5B	5.3B	5.1B	4.9B	4.6B	4.3B	4.1B	3.9B	3.7B	3.9B	4.5B	4.9B	5B	4.7B
SHAREHOLDERS' EQUITY
Preferred Stock	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	130.5M	129M	0.0	0.0	0.0
Common Stock	381.2M	404.5M	405.4M	408.1M	426.1M	442.6M	447.6M	470.7M	504M	530.9M	548.9M	642.2M	784.5M	784.5M	784.5M	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	107.3M	105.1M	103M	101.3M	98.1M	94.8M	91.6M	88.9M	86.1M	84.2M	82.8M	79.7M	75.5M	70.6M	66.6M	467.5M	468.4M	459.1M	458M	482.7M
Retained Earnings	191.4M	143.3M	118M	87.4M	42M	-10.9M	-19.1M	-51.7M	-89M	-108.9M	-137.3M	-157M	-184.1M	-349.4M	-396.8M	-517.3M	-257.9M	63.8M	222.6M	270.6M
Accumulated Other Comprehensive Income/Loss	-87.3M	-114.4M	-122.6M	-144M	-8M	20.1M	8.4M	-16.1M	-1M	-1.5M	203K	3.2M	-15.8M	-830K	2.2M	-14.6M	-3.5M	3.4M	-6.2M	-15.1M
Total Stockholders' Equity	592.6M	538.4M	503.8M	452.9M	558.2M	546.7M	528.5M	491.7M	500M	504.7M	494.6M	568M	660.1M	504.8M	456.4M	66.1M	336M	526.3M	674.4M	738.1M
Total Equity	592.6M	538.4M	503.8M	452.9M	558.3M	546.7M	528.5M	491.7M	500M	504.7M	494.6M	568M	660.2M	514.8M	466.4M	76.1M	346M	536.3M	687.5M	751.3M
Minority Interest	0.0	0.0	0.0	0.0	48K	48K	0.0	0.0	24K	25K	25K	0.0	61K	10M	10M	10M	10M	10M	13.1M	13.1M
SUMMARY
Total Liabilities & Equity	7.4B	7.5B	7.6B	7.4B	7.4B	6.6B	6B	5.8B	5.6B	5.4B	5.1B	4.9B	4.7B	4.4B	4.1B	3.9B	4.9B	5.4B	5.7B	5.5B
Total Investments	6.6B	6.7B	6.7B	6.9B	6.7B	6.1B	5.6B	5.4B	5.2B	5B	4.7B	4.3B	4.2B	3.9B	3.5B	2.8B	3.9B	4.7B	5B	4.7B
Total Debt	102.1M	188.4M	186.7M	146.7M	146.3M	174.6M	304.2M	319.2M	124.8M	227.8M	161.8M	130.8M	100.8M	108.3M	158.3M	662.3M	900.3M	928.7M	932M	819.5M
Net Debt	-276.6M	-192.6M	-335.7M	34.7M	-182.6M	70.5M	201.2M	217M	42.5M	143.4M	81.6M	44.8M	51.5M	-69.1M	-98.7M	-128.5M	411.9M	821M	852.7M	683.8M
Shares Outstanding	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645	27,026,645

SEC Filings

CPF - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 04, 2026	April 30, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 29, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 06, 2026	April 30, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 16, 2025	December 16, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 07, 2025	November 06, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	October 29, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 29, 2025	October 29, 2025	2025	View Filing

Showing 1 to 10 of 467 filings

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