Central Pacific Financial Corp.

Central Pacific Financial Corp.

CPF
Central Pacific Financial Corp.US flagNew York Stock Exchange
38.65
USD
-0.43
- -
1.01BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.46
4.93
5.7
6.18
6.57
7.03
7.93
8.65
9
9.49
9.14
9.1
10.71
10.95
Basic EPS, GAAP
4.1
1.08
1.42
1.52
1.36
2.02
2.05
1.33
2.85
2.7
2.17
1.97
2.88
3.01
Free Cash Flow per Basic Share
1.86
1.75
2.13
2.28
2.97
3.41
2.28
1.81
3.15
3.49
3.42
2.79
3.43
3.37
Dividend per Share
0.16
0.36
0.81
0.6
0.7
0.82
0.9
0.92
0.96
1.04
1.04
1.04
1.09
1.11
Book Value per Share
14.31
12.98
12.77
13.61
13.65
14.25
15.04
15.38
16.72
18.09
19.37
20.24
21.26
21.52
Tangible Book Value per Share
14.95
14.41
14.56
15.62
15.86
16.19
18.03
19.05
19.59
16.2
18.32
19.58
21.68
21.9
Basic Weighted Avg Shares
42
37
32
31
30
29
28
28
28
27
27
27
27
27
Sales/Revenue/Turnover
187
184
184
192
200
207
226
243
252
260
247
246
289
293
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
13
11
13
14
11
10
9
12
10
8
8
9
8
8
Net Income, GAAP
172
40
46
47
41
59
58
37
80
74
59
53
77
80
Effective Tax Rate (%)
- -
33.51
37.13
35.86
45.64
23.97
25.16
23.98
24.38
25.15
23.63
21.5
21.16
21.63
Profit Margin (%)
91.89
21.97
24.96
24.51
20.63
28.76
25.82
15.35
31.69
28.44
23.76
21.7
26.85
27.48
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
93
93
93
93
93
122
154
153
146
142
187
188
102
102
Total Equity
660
568
495
505
500
492
529
547
558
453
504
538
593
594
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
33.23
7.45
10.23
11.28
9.85
14.27
13.76
8.67
17.76
15.34
11.52
9.97
13.83
14.22

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
132
77
77
LT Finance Leases
26
26
25
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
27
26
26
Market Capitalization
820
839
854

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
314
911
894
Accounts Receivable, Net
25
24
24
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
9
7
6
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.18%
2.28%
10.07%
Free Cash Flow
6.75%
16.56%
22.37%
Net Income, GAAP
11.88%
24.47%
45.06%
Sales/Revenue/Turnover
4.76%
3.76%
17.25%
Total Cash Common Dividend
1.9%
2.54%
4.31%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
60
63
65
58
246
2025
68
72
74
76
289
2026
72
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.58
0.49
0.42
1.97
2025
0.66
0.68
0.69
0.86
2.88
2026
0.79
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.26
0.26
0.26
0.26
1.04
2025
0.27
0.27
0.27
0.28
1.09
2026
0.29
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Arnold D. Martines
Full Time Employees
763
Sector
Financial Services
Industry
Banks - Regional
Address
220 South King Street Honolulu HI United States of America 96813
IPO Date
Aug 28, 1987
Website
cpb.bank
Business
Central Pacific Financial Corp. Central Pacific Financial Corp. (NYSE: CPF) is a Hawaii-based bank holding company that, through its primary subsidiary Central Pacific Bank, provides a broad range of commercial banking products and services to businesses, professionals, consumers, and small businesses throughout Hawaii; these include deposit products such as checking accounts, savings accounts, money market accounts, time deposits, and certificates of deposit; lending activities encompassing commercial loans, construction loans, commercial real estate loans, residential mortgage loans, home equity lines of credit, SBA loans, and consumer loans; wealth management services featuring non-deposit investment products, annuities, investment management, asset custody, fiduciary services, trust services, retail brokerage, and financial planning; and additional offerings like digital banking, cash management, debit cards, international banking, wire transfers, foreign exchange, safe deposit boxes, night depository facilities, and full-service ATMs. The company operates 27 branches and 55 ATMs across Hawaii, with approximately $7.42 billion in total assets as of September 30, 2025, and maintains an investment securities portfolio that includes mortgage-backed securities issued by U.S. government entities and agencies, other debt securities, and equity securities. Founded in 1954 and headquartered in Honolulu, Hawaii, Central Pacific Financial Corp. focuses on supporting homeownership, small business growth, and community development in the islands as a market leader in residential mortgage and SBA loan originations. Recent developments include strategic partnerships signed in 2025, such as a Memorandum of Understanding with Korea Investment & Securities in November to support Korean clients' investment and business opportunities in Hawaii, and another with The Kyoto Shinkin Bank in October to enhance Hawaii-Japan economic ties and assist small and medium-sized enterprises with cross-Pacific expansion; board changes with the retirements of Paul Yonamine in November and former President and CEO Catherine Ngo in October; and a property donation to the City and County of Honolulu in September to expand community services.

Company News

APIChatGPT
  • Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results

  • Central Pacific Financial Corp. (CPF) Q1 2026 Earnings Call Transcript

  • Central Pacific Financial (CPF) Tops Q1 Earnings Estimates

  • Central Pacific Financial Reports First Quarter 2026 Earnings of $20.7 Million

  • Avidbank Holdings Inc. (AVBH) Surpasses Q1 Earnings Estimates

  • Central Pacific Financial (CPF) Earnings Expected to Grow: Should You Buy?

  • CPB (CPF) to Release Quarterly Earnings on Wednesday

  • Central Pacific Financial Corp. Announces Conference Call to Discuss First Quarter 2026 Financial Results

  • Central Pacific Financial (CPF) Could Be a Great Choice

  • Analyzing United Security Bancshares (NASDAQ:UBFO) and CPB (NYSE:CPF)

  • Contrasting Cathay General Bancorp (NASDAQ:CATY) & CPB (NYSE:CPF)

  • American Century Companies Inc. Has $24.39 Million Position in CPB Inc. $CPF

  • CPB (NYSE:CPF) Stock Passes Above 200 Day Moving Average – Here’s Why

  • CPB (NYSE:CPF) Hits New 1-Year High on Earnings Beat

  • Central Pacific Financial Corp. (CPF) Q4 2025 Earnings Call Transcript

  • Central Pacific Financial (CPF) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Central Pacific Financial (CPF) Q4 Earnings and Revenues Top Estimates

  • Central Pacific Financial Reports Fourth Quarter and Full Year 2025 Earnings

  • Central Pacific Financial (CPF) Earnings Expected to Grow: Should You Buy?

  • Analyzing CPB (NYSE:CPF) & Hanmi Financial (NASDAQ:HAFC)