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Apr 29, 2026·SEC
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Central Pacific Financial Corp.(CPF)Earnings, Financials & Key Ratios
CPF•NYSE•Banking & Credit
$34.82
$909M mkt cap·12.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCentral 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.Show more
- Net Interest Income$240M+13.5%
- Total Revenue$362M+6.4%
- Net Income$77M+45.1%
- Return on Equity13.7%+33.7%
- Net Interest Margin3.24%+14.5%
- Efficiency Ratio48.33%-2.3%
- ROA1.04%+47.3%
- Equity / Assets8%+11.0%
- Book Value per Share22.09+11.6%
- Tangible BV/Share21.77+11.7%
- Debt/Equity0.17-50.8%
CPF Key Insights
Central Pacific Financial Corp. (CPF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 15.8%
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 48.3% efficiency ratio
- ✓Healthy dividend yield of 3.1%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CPF Price & Volume
Central Pacific Financial Corp. (CPF) stock price & volume — 10-year historical chart
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CPF Growth Metrics
Central Pacific Financial Corp. (CPF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.65%
5 Years7.06%
3 Years9.36%
TTM-
Profit CAGR
10 Years5.38%
5 Years15.76%
3 Years1.58%
TTM38.16%
EPS CAGR
10 Years7.44%
5 Years16.81%
3 Years2.31%
TTM40.19%
Return on Capital
10 Years11.16%
5 Years11.72%
3 Years10.51%
Last Year12.5%
CPF Recent Earnings
Central Pacific Financial Corp. (CPF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 29, 2026EPS
$0.78
Est $0.74
+5.4%
Revenue
$73M
Est $74M
-1.8%
Q1 2026
Jan 28, 2026EPS
$0.85
Est $0.73
+16.4%
Revenue
$76M
Est $75M
+1.1%
Q4 2025
Oct 29, 2025EPS
$0.73
Est $0.72
+1.4%
Revenue
$74M
Est $75M
-2.3%
Q3 2025
Jul 25, 2025EPS
$0.67
Est $0.64
+4.7%
Revenue
$72M
Est $75M
-4.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.78vs $0.74+5.4% | $73Mvs $74M-1.8% |
| Q1 2026 | Jan 28, 2026 | $0.85vs $0.73+16.4% | $76Mvs $75M+1.1% |
| Q4 2025 | Oct 29, 2025 | $0.73vs $0.72+1.4% | $74Mvs $75M-2.3% |
| Q3 2025 | Jul 25, 2025 | $0.67vs $0.64+4.7% | $72Mvs $75M-4.0% |
Based on last 12 quarters of dataView full earnings history →
CPF Peer Comparison
Central Pacific Financial Corp. (CPF) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BOH | 3.21B | 80.69 | 23.32 | 6.6% | 10.28% | 0.45 | ||
 HBB | 274.15M | 20.42 | 10.47 | -7.31% | 4.73% | 16.21% | 0.23 | |
 FHB | 3.39B | 27.62 | 12.55 | 3.21% | 10.19% | |||
 BPOP | 9.75B | 150.04 | 12.20 | 5.7% | 13.82% | 0.25 | ||
 WAFD | 2.72B | 35.64 | 13.55 | -1.58% | 8.02% | 0.60 | ||
 BANR | 2.24B | 66.23 | 11.74 | -0.95% | 10.34% | 0.19 | ||
 COLB | 7.19B | 30.20 | 13.13 | 8.35% | 8.39% | 0.51 | ||
 HFWA | 933.57M | 27.46 | 14.01 | 5.92% | 7.51% | 0.05 |
Compare CPF vs Peers
Central Pacific Financial Corp. (CPF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPF Income Statement
Central Pacific Financial Corp. (CPF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 167.53M | 172.72M | 183.05M | 197.13M | 210.73M | 215.17M | 209.52M | 211.22M | 239.78M | 243.38M |
| NII Growth % | 6.21% | 3.1% | 5.98% | 7.7% | 6.9% | 2.11% | -2.63% | 0.81% | 13.52% | 45.97% |
| Net Interest Margin % | 2.98% | 2.97% | 3.04% | 2.99% | 2.84% | 2.89% | 2.74% | 2.83% | 3.24% | 3.25% |
| Interest Income | 182.39M | 198.02M | 215.36M | 211.87M | 218.44M | 232.26M | 282.18M | 305.59M | 313.06M | 312.89M |
| Interest Expense | 14.86M | 25.3M | 32.31M | 14.73M | 7.71M | 17.09M | 72.66M | 94.37M | 73.28M | 69.51M |
| Loan Loss Provision | -3.14M | -2.12M | 6.35M | 42.11M | -14.85M | -1.55M | 15.26M | 9.64M | 13.24M | 11.4M |
| Non-Interest Income | 32.2M | 34.12M | 42.83M | 45.75M | 41.42M | 44.78M | 37.45M | 34.89M | 49.27M | 49.87M |
| Non-Interest Income % | 15% | 14.7% | 16.59% | 17.76% | 15.94% | 16.16% | 11.72% | 10.25% | 13.6% | 13.75% |
| Total Revenue | 214.58M▲ 0% | 232.13M▲ 8.2% | 258.18M▲ 11.2% | 257.62M▼ 0.2% | 259.86M▲ 0.9% | 277.04M▲ 6.6% | 319.63M▲ 15.4% | 340.48M▲ 6.5% | 362.32M▲ 6.4% | 362.75M▲ 0% |
| Revenue Growth % | 6.81% | 8.18% | 11.22% | -0.22% | 0.87% | 6.61% | 15.37% | 6.52% | 6.42% | 23.81% |
| Non-Interest Expense | 127.06M | 130.71M | 141.6M | 151.74M | 161.34M | 162.73M | 154.89M | 168.44M | 175.12M | 176.8M |
| Efficiency Ratio | 59.21% | 56.31% | 54.85% | 58.9% | 62.09% | 58.74% | 48.46% | 49.47% | 48.33% | 48.74% |
| Operating Income | 75.8M▲ 0% | 78.24M▲ 3.2% | 77.93M▼ 0.4% | 49.03M▼ 37.1% | 105.65M▲ 115.5% | 98.77M▼ 6.5% | 76.82M▼ 22.2% | 68.04M▼ 11.4% | 100.68M▲ 48.0% | 105.04M▲ 0% |
| Operating Margin % | 35.32% | 33.71% | 30.18% | 19.03% | 40.66% | 35.65% | 24.03% | 19.98% | 27.79% | 28.96% |
| Operating Income Growth % | 3.46% | 3.22% | -0.41% | -37.08% | 115.47% | -6.51% | -22.22% | -11.43% | 47.97% | - |
| Pretax Income | 75.8M▲ 0% | 78.24M▲ 3.2% | 77.93M▼ 0.4% | 49.03M▼ 37.1% | 105.65M▲ 115.5% | 98.77M▼ 6.5% | 76.82M▼ 22.2% | 68.04M▼ 11.4% | 98.28M▲ 44.4% | 102.64M▲ 0% |
| Pretax Margin % | 35.32% | 33.71% | 30.18% | 19.03% | 40.66% | 35.65% | 24.03% | 19.98% | 27.13% | 28.3% |
| Income Tax | 34.6M | 18.76M | 19.61M | 11.76M | 25.76M | 24.84M | 18.15M | 14.63M | 20.8M | 22.2M |
| Effective Tax Rate % | 45.64% | 23.97% | 25.16% | 23.98% | 24.38% | 25.15% | 23.63% | 21.5% | 21.16% | 21.63% |
| Net Income | 41.2M▲ 0% | 59.49M▲ 44.4% | 58.32M▼ 2.0% | 37.27M▼ 36.1% | 79.89M▲ 114.3% | 73.93M▼ 7.5% | 58.67M▼ 20.6% | 53.41M▼ 9.0% | 77.48M▲ 45.1% | 80.44M▲ 0% |
| Net Margin % | 19.2% | 25.63% | 22.59% | 14.47% | 30.75% | 26.68% | 18.36% | 15.69% | 21.38% | 22.18% |
| Net Income Growth % | -12.32% | 44.37% | -1.96% | -36.09% | 114.35% | -7.47% | -20.64% | -8.96% | 45.06% | 38.16% |
| Net Income (Continuing) | 41.2M | 59.49M | 58.32M | 37.27M | 79.89M | 73.93M | 58.67M | 53.41M | 77.48M | 80.44M |
| EPS (Diluted) | 1.34▲ 0% | 2.01▲ 50.0% | 2.03▲ 1.0% | 1.32▼ 35.0% | 2.83▲ 114.4% | 2.68▼ 5.3% | 2.17▼ 19.0% | 1.97▼ 9.2% | 2.87▲ 45.7% | 3.05▲ 0% |
| EPS Growth % | -10.67% | 50% | 1% | -34.98% | 114.39% | -5.3% | -19.03% | -9.22% | 45.69% | 40.19% |
| EPS (Basic) | 1.36 | 2.02 | 2.05 | 1.33 | 2.85 | 2.70 | 2.17 | 1.97 | 2.89 | - |
| Diluted Shares Outstanding | 30.64M | 29.61M | 28.68M | 28.18M | 28.26M | 27.57M | 27.08M | 27.2M | 26.83M | 26.41M |
CPF Balance Sheet
Central Pacific Financial Corp. (CPF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.39B | 1.31B | 1.23B | 1.29B | 1.96B | 783.84M | 1.17B | 924.8M | 910.62M | 2.44B |
| Cash & Due from Banks | 82.29M | 102.19M | 102.97M | 104.07M | 328.91M | 112.04M | 522.44M | 380.94M | 378.65M | 406.6M |
| Short Term Investments | 1.3B | 1.21B | 1.13B | 1.18B | 1.63B | 671.79M | 647.21M | 543.86M | 531.96M | 487.12M |
| Total Investments | 5.24B | 5.41B | 5.56B | 6.11B | 6.7B | 6.88B | 6.7B | 6.67B | 6.6B | 6.66B |
| Investments Growth % | 5.48% | 3.15% | 2.77% | 10% | 9.6% | 2.65% | -2.59% | -0.47% | -0.96% | -1.71% |
| Long-Term Investments | 3.94B | 4.2B | 4.43B | 4.93B | 5.07B | 6.2B | 6.05B | 6.12B | 6.07B | 25.55B |
| Accounts Receivables | 16.58M | 17M | 16.5M | 20.22M | 16.71M | 20.34M | 21.51M | 23.38M | 23.56M | 24.32M |
| Goodwill & Intangibles | 17.85M | 15.6M | 14.72M | 11.87M | 9.74M | 9.07M | 8.7M | 8.47M | 8.67M | 8.52M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 17.85M | 15.6M | 14.72M | 11.87M | 9.74M | 9.07M | 8.7M | 8.47M | 8.67M | 8.52M |
| PP&E (Net) | 48.35M | 45.28M | 98.69M | 111.14M | 119.8M | 126.62M | 125.9M | 135.17M | 125.44M | 124.26M |
| Other Assets | 217.96M | 221.04M | 223.91M | 235.83M | 245.48M | 288.53M | 266.33M | 257.8M | 270.4M | 275.46M |
| Total Current Assets | 1.4B | 1.32B | 1.25B | 1.31B | 1.98B | 804.18M | 1.19B | 948.17M | 934.17M | 918.03M |
| Total Non-Current Assets | 4.22B | 4.48B | 4.77B | 5.29B | 5.44B | 6.63B | 6.45B | 6.52B | 6.48B | 6.58B |
| Total Assets | 5.62B▲ 0% | 5.81B▲ 3.3% | 6.01B▲ 3.5% | 6.59B▲ 9.7% | 7.42B▲ 12.5% | 7.43B▲ 0.2% | 7.64B▲ 2.8% | 7.47B▼ 2.2% | 7.41B▼ 0.8% | 7.5B▲ 0% |
| Asset Growth % | 4.45% | 3.26% | 3.54% | 9.68% | 12.5% | 0.18% | 2.83% | -2.23% | -0.84% | 0.22% |
| Return on Assets (ROA) | 0.75% | 1.04% | 0.99% | 0.59% | 1.14% | 1% | 0.78% | 0.71% | 1.04% | 1.08% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 4.74M | 18.95M | 10.05M | 7.07M | 6.43M |
| Total Debt | 124.78M | 319.17M | 304.18M | 174.58M | 146.35M | 146.75M | 186.74M | 188.37M | 102.1M | 101.62M |
| Net Debt | 42.49M | 216.98M | 201.21M | 70.51M | -182.56M | 34.7M | -335.7M | -192.57M | -276.56M | -304.98M |
| Long-Term Debt | 92.78M | 122.17M | 101.55M | 105.39M | 105.62M | 105.86M | 156.1M | 156.34M | 76.55M | 76.55M |
| Short-Term Debt | 32M | 197M | 150M | 22M | 0 | 5M | 0 | 0 | 0 | 0 |
| Other Liabilities | 42.53M | 49.65M | 59.95M | 77.16M | 75.32M | 92.18M | 85.7M | 91.28M | 97.73M | 94.08M |
| Total Current Liabilities | 4.99B | 5.14B | 5.27B | 5.82B | 6.64B | 6.75B | 6.87B | 6.65B | 6.62B | 6.71B |
| Total Non-Current Liabilities | 135.32M | 171.81M | 214.13M | 229.73M | 221.66M | 233.93M | 272.44M | 279.65M | 199.83M | 195.7M |
| Total Liabilities | 5.12B | 5.32B | 5.48B | 6.05B | 6.86B | 6.98B | 7.14B | 6.93B | 6.82B | 6.9B |
| Total Equity | 500.04M▲ 0% | 491.73M▼ 1.7% | 528.52M▲ 7.5% | 546.73M▲ 3.4% | 558.27M▲ 2.1% | 452.87M▼ 18.9% | 503.81M▲ 11.2% | 538.38M▲ 6.9% | 592.58M▲ 10.1% | 593.88M▲ 0% |
| Equity Growth % | -0.92% | -1.66% | 7.48% | 3.45% | 2.11% | -18.88% | 11.25% | 6.86% | 10.07% | 34.45% |
| Equity / Assets (Capital Ratio) | 8.89% | 8.47% | 8.79% | 8.29% | 7.52% | 6.09% | 6.59% | 7.21% | 8% | 7.92% |
| Return on Equity (ROE) | 8.2% | 12% | 11.43% | 6.93% | 14.46% | 14.62% | 12.26% | 10.25% | 13.7% | 13.73% |
| Book Value per Share | 16.32 | 16.61 | 18.43 | 19.40 | 19.76 | 16.43 | 18.60 | 19.80 | 22.09 | 22.48 |
| Tangible BV per Share | 15.74 | 16.08 | 17.92 | 18.98 | 19.41 | 16.10 | 18.28 | 19.49 | 21.77 | 22.16 |
| Common Stock | 503.99M | 470.66M | 447.6M | 442.63M | 426.09M | 408.07M | 405.44M | 404.49M | 381.16M | 370.63M |
| Additional Paid-in Capital | 86.1M | 88.88M | 91.61M | 94.84M | 98.07M | 101.35M | 102.98M | 105.05M | 107.31M | 106.5M |
| Retained Earnings | -89.04M | -51.72M | -19.1M | -10.92M | 42.02M | 87.44M | 117.99M | 143.26M | 191.38M | 204.49M |
| Accumulated OCI | -1.04M | -16.09M | 8.41M | 20.13M | -7.96M | -143.98M | -122.6M | -114.42M | -87.27M | -87.75M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CPF Cash Flow Statement
Central Pacific Financial Corp. (CPF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 96.78M | 103.49M | 72.19M | 76.79M | 110.49M | 114.12M | 105.11M | 90.52M | 97.47M | 97.47M |
| Operating CF Growth % | 26.54% | 6.92% | -30.24% | 6.37% | 43.88% | 3.29% | -7.89% | -13.88% | 7.67% | 4.29% |
| Net Income | 41.2M | 59.49M | 58.32M | 37.27M | 79.89M | 73.93M | 58.67M | 53.41M | 77.48M | 80.44M |
| Depreciation & Amortization | 11.4M | 10.15M | 8.6M | 12.39M | 10.45M | 8.16M | 7.65M | 9.12M | 0 | 6.02M |
| Deferred Taxes | 32.21M | 7.87M | -3.96M | -13.09M | 10.83M | 25.81M | 11.21M | 8.77M | 0 | -9.16M |
| Other Non-Cash Items | 25.7M | 20.78M | 7.69M | 39.87M | 3.74M | -8.76M | 10.23M | 12.86M | 4.35M | 11.89M |
| Working Capital Changes | -15.65M | 2.42M | -1.19M | -2.88M | 2.35M | 11.71M | 15.71M | 4.29M | 15.63M | 5.14M |
| Cash from Investing | -296.13M | -211.14M | -128.97M | -596.95M | -662.3M | -384.48M | 179.66M | 654K | 67.19M | 47.45M |
| Purchase of Investments | -356.89M | -85.37M | -55.01M | -589.45M | -1.07B | -119.35M | -49.04M | -272.4M | 0 | -66.04M |
| Sale/Maturity of Investments | 309.25M | 196.61M | 308.57M | 531.28M | 572.92M | 210.2M | 129.17M | 195.62M | 0 | 93.56M |
| Net Investment Activity | -47.64M | 111.25M | 253.56M | -58.16M | -501.35M | 90.85M | 80.13M | -76.78M | 0 | 27.52M |
| Acquisitions | -114K | -3.3M | -1.22M | -8.44M | -2.91M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -241.84M | -315.87M | -374.11M | -504.35M | -135.88M | -456.89M | 112.18M | 92.53M | 67.19M | 23.87M |
| Cash from Financing | 197.29M | 127.55M | 57.57M | 521.25M | 776.65M | 53.5M | 125.62M | -232.67M | -166.94M | -13.1M |
| Dividends Paid | -21.3M | -24.14M | -25.71M | -25.93M | -26.96M | -28.5M | -28.12M | -28.14M | -29.36M | -29.64M |
| Share Repurchases | -26.56M | -32.82M | -22.79M | -4.75M | -18.67M | -20.74M | -2.63M | -945K | -23.34M | -31.77M |
| Stock Issued | 0 | 0 | 151K | 0 | 1.24M | 679K | 0 | 0 | 0 | 0 |
| Net Stock Activity | -26.56M | -32.82M | -22.64M | -4.75M | -17.43M | -20.06M | -2.63M | -945K | -23.34M | -31.77M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 0 | -1000K | -1000K |
| Other Financing | 348.15M | -9.86M | 173.53M | 676.1M | 843.04M | 97.06M | 111.37M | -203.58M | -34.25M | 103.31M |
| Net Change in Cash | -2.05M▲ 0% | 19.89M▲ 1071.3% | 786K▼ 96.0% | 1.09M▲ 39.3% | 224.84M▲ 20433.3% | -216.86M▼ 196.5% | 410.39M▲ 289.2% | -141.5M▼ 134.5% | -2.29M▲ 98.4% | 129.7M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 84.34M | 82.29M | 102.19M | 102.97M | 104.07M | 328.91M | 112.04M | 522.44M | 380.94M | 378.65M |
| Cash at End | 82.29M | 102.19M | 102.97M | 104.07M | 328.91M | 112.04M | 522.44M | 380.94M | 378.65M | 406.6M |
| Interest Paid | 12.72M | 23.94M | 33.07M | 17.3M | 8.32M | 13.48M | 58.45M | 103.26M | 70.3M | 64.6M |
| Income Taxes Paid | 8.4M | 23K | 24.1M | 20.04M | 22.67M | 5.58M | 7.31M | 0 | 21.35M | 20.95M |
| Free Cash Flow | 90.25M▲ 0% | 100.26M▲ 11.1% | 65M▼ 35.2% | 50.8M▼ 21.8% | 88.33M▲ 73.9% | 95.68M▲ 8.3% | 92.46M▼ 3.4% | 75.43M▼ 18.4% | 86.1M▲ 14.1% | 87.64M▲ 0% |
| FCF Growth % | 27.86% | 11.09% | -35.17% | -21.85% | 73.89% | 8.33% | -3.36% | -18.42% | 14.15% | 7.88% |
CPF Banking Ratios
Central Pacific Financial Corp. (CPF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.2% | 12% | 11.43% | 6.93% | 14.46% | 14.62% | 12.26% | 10.25% | 13.7% | 13.73% |
| Return on Assets (ROA) | 0.75% | 1.04% | 0.99% | 0.59% | 1.14% | 1% | 0.78% | 0.71% | 1.04% | 1.08% |
| Net Interest Margin | 2.98% | 2.97% | 3.04% | 2.99% | 2.84% | 2.89% | 2.74% | 2.83% | 3.24% | 3.25% |
| Efficiency Ratio | 59.21% | 56.31% | 54.85% | 58.9% | 62.09% | 58.74% | 48.46% | 49.47% | 48.33% | 48.74% |
| Equity / Assets | 8.89% | 8.47% | 8.79% | 8.29% | 7.52% | 6.09% | 6.59% | 7.21% | 8% | 7.92% |
| Book Value / Share | 16.32 | 16.61 | 18.43 | 19.4 | 19.76 | 16.43 | 18.6 | 19.8 | 22.09 | 22.48 |
| NII Growth | 6.21% | 3.1% | 5.98% | 7.7% | 6.9% | 2.11% | -2.63% | 0.81% | 13.52% | 11.38% |
| Dividend Payout | 51.69% | 40.59% | 44.08% | 69.58% | 33.74% | 38.56% | 47.92% | 52.69% | 37.89% | 36.85% |
CPF SEC Filings & Documents
Central Pacific Financial Corp. (CPF) SEC filings — annual & quarterly reports (10-K, 10-Q)
CPF Frequently Asked Questions
Central Pacific Financial Corp. (CPF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Central Pacific Financial Corp. (CPF) grew revenue by 6.4% over the past year. This is steady growth.
Yes, Central Pacific Financial Corp. (CPF) is profitable, generating $80.4M in net income for fiscal year 2025 (21.4% net margin).
Dividend & Returns
Yes, Central Pacific Financial Corp. (CPF) pays a dividend with a yield of 3.14%. This makes it attractive for income-focused investors.
Central Pacific Financial Corp. (CPF) has a return on equity (ROE) of 13.7%. This is reasonable for most industries.
Industry Metrics
Central Pacific Financial Corp. (CPF) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Central Pacific Financial Corp. (CPF) has an efficiency ratio of 48.3%. This is excellent, indicating strong cost control.
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