$33.82
-2.2%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
CPF โข NYSE
| Central Pacific Financial Corp. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
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 | |
0.0 | 9.1M | 7.6M | 8.2M | 10.5M | 12.4M | 8.6M | 10.2M | 11.4M | 13.8M | 12.7M | 11.2M | 13.4M | 16.5M | 13.8M | 14.8M | 14.5M | 16.5M | 14.7M | 15.5M | |
0.0 | 8.8M | 11.2M | 25.8M | 10.8M | -13.1M | -4M | 7.9M | 32.2M | 24.4M | 26.1M | 20.5M | -112.1M | 0.0 | 0.0 | 0.0 | 21.9M | -17.5M | -21M | -3.4M | |
0.0 | 2.1M | 1.6M | 3.3M | 3.2M | 3.2M | 2.7M | 2.8M | 1.9M | 1.3M | 3.1M | 4.2M | 4.9M | 4M | 3.3M | 233K | 362K | 2.1M | 0.0 | 0.0 | |
4.4M | 12.9M | 10.2M | -8.8M | 3.7M | 39.9M | 7.7M | 20.8M | 25.7M | -14.9M | -8.4M | 4.5M | 20.5M | -2.8M | -31.3M | 369.2M | 400.6M | 465.6M | 91.8M | -12.2M | |
(21.4M) | (0.0) | (7.3M) | (5.6M) | (22.7M) | (20M) | (24.1M) | (23K) | (8.4M) | (0.0) | (1.6M) | (0.0) | (5K) | (5K) | (86K) | (0.0) | (1.5M) | (13.9M) | (0.0) | (0.0) | |
15.6M | 4.3M | 15.7M | 11.7M | 2.3M | -2.9M | -1.2M | 2.4M | -15.7M | 4.8M | -4.9M | -9.4M | -14.3M | -25.8M | 800K | 88.2M | 7.4M | -54.2M | -11.3M | 38.7M | |
97.5M | 90.5M | 105.1M | 114.1M | 110.5M | 76.8M | 72.2M | 103.5M | 96.8M | 76.5M | 74.5M | 71.4M | 84.5M | 39.4M | 23.1M | 221.4M | 131.1M | 274M | 80M | 117.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -15.1M | -12.7M | -18.4M | -22.2M | -26M | -7.2M | -3.2M | -6.5M | -5.9M | -5.8M | -6M | -6.3M | -3.7M | -747K | -2M | -6.1M | -6.3M | -12.7M | -11.4M | |
(0.0) | (0.0) | (0.0) | (0.0) | -2.9M | -8.4M | -1.2M | -3.3M | -114K | -5K | (0.0) | (466K) | -9.1M | (0.0) | (0.0) | -136K | -3.6M | -7M | -468K | -975K | |
(0.0) | -272.4M | -49M | -119.3M | -1.1B | -589.4M | -55M | -85.4M | -356.9M | -197.1M | -381.8M | -100.9M | -758.1M | -790.9M | -1.3B | -610.1M | -526M | -406.2M | -924.6M | -832.6M | |
0.0 | 195.6M | 129.2M | 210.2M | 572.9M | 531.3M | 308.6M | 196.6M | 309.2M | 235.4M | 309.5M | 323.9M | 733.9M | 570M | 541.4M | 774.3M | 402.2M | 519.7M | 952.4M | 855.7M | |
67.2M | 92.5M | 112.2M | -456.9M | -135.9M | -504.4M | -374.1M | -315.9M | -241.8M | -309.6M | -237M | -300.6M | -402.5M | -81.8M | 88.7M | 592.8M | 619.7M | -258.4M | -338M | -326.2M | |
(67.2M) | (654K) | (179.7M) | -384.5M | -662.3M | -596.9M | -129M | -211.1M | -296.1M | -277.2M | -315.1M | -83.1M | -442.1M | -306.3M | -687.2M | (755.6M) | (486M) | -158.1M | -323.3M | -315.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-23.3M | -945K | -2.6M | -20.1M | -17.4M | -4.7M | -22.6M | -32.8M | -26.6M | -17.3M | -93.2M | -142.3M | 74K | 0.0 | 323.5M | -1M | 2.3M | -1.2M | -52.2M | 3.7M | |
-80M | 0.0 | 45M | 5M | -22M | -124.2M | -67.6M | 194.4M | -103M | 66M | 31M | 30M | -7.5M | -50.1M | -503.7M | -237.8M | -28.1M | 22.2M | 113.3M | -11.3M | |
-29.4M | -28.1M | -28.1M | -28.5M | -27M | -25.9M | -25.7M | -24.1M | -21.3M | -18.6M | -26.1M | -13.4M | -6.7M | (0.0) | (0.0) | (0.0) | -2.4M | -20.1M | -29.6M | -26.9M | |
-23.3M | -945K | -2.6M | -20.7M | -18.7M | -4.7M | -22.8M | -32.8M | -26.6M | -18.2M | -93.5M | -142.4M | (0.0) | (0.0) | (0.0) | -1M | (0.0) | -1.8M | -54.9M | (0.0) | |
-34.2M | -203.6M | 111.4M | 97.1M | 843M | 676.1M | 173.5M | -9.9M | 348.2M | 174.8M | 323.1M | 174.1M | 255.4M | 237.2M | 310.6M | -435.8M | -342.7M | -91.1M | 158.3M | 203.2M | |
-166.9M | -232.7M | 125.6M | 53.5M | 776.6M | 521.2M | 57.6M | 127.6M | 197.3M | 204.9M | 234.8M | 48.4M | 229.5M | 187.2M | 130.5M | -674.7M | -236.5M | -90.3M | 189.8M | 168.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-2.3M | -141.5M | 410.4M | -216.9M | 224.8M | 1.1M | 786K | 19.9M | -2M | 4.1M | -5.8M | 36.7M | -128M | -79.7M | -533.7M | 302.4M | 380.6M | 25.6M | -53.5M | -29.1M | |
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 | 82.1M | 135.6M | 164.7M | |
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 | 82.1M | 135.6M | |
86.1M | 75.4M | 92.5M | 95.7M | 88.3M | 50.8M | 65M | 100.3M | 90.3M | 70.6M | 68.7M | 65.4M | 78.2M | 35.7M | 22.4M | 219.5M | 124.9M | 267.7M | 67.4M | 106.4M |
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 | |
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 |
Continue your CPF research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.