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-15.0%
5Y+27.0%
10Y+27.0%
3Y-117.0%
5Y-111.0%
10Y-124.0%
3Y-412.0%
5Y-132.0%
10Y-181.0%
CPF

Central Pacific Financial Corp. Cash Conversion Engine

CPF ยท NYSE
Net Income77.48M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital15.63M
Others4.35M
Capital Expenditures-5.16M
Free Cash Flow86.10M

Cash Flow Quality Analysis

FCF Conversion Rate

111.1%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+14.1%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

+$15.63M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Central Pacific Financial Corp. Cash Flow Statement

CPF โ€ข NYSE

Central Pacific Financial Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

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