Central Pacific Financial Corp. (CPF) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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CPF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CPF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 76.1% | 27.8% | 21.4% |
| 2024 | 69.5% | 20.0% | 15.7% |
| 2023 | 72.5% | 24.0% | 18.4% |
| 2022 | 94.4% | 35.7% | 26.7% |
| 2021 | 102.7% | 40.7% | 30.7% |
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Central Pacific Financial Corp. (CPF) Earnings Overview
As of May 8, 2026, Central Pacific Financial Corp. (CPF) reported trailing twelve-month net income of $80M, reflecting +45.7% year-over-year growth. The company earned $3.05 per diluted share over the past four quarters, with a net profit margin of 21.4%.
Looking at the long-term picture, CPF's 5-year EPS compound annual growth rate (CAGR) stands at +16.8%, indicating exceptional earnings growth. The company achieved its highest annual net income of $172M in fiscal 2013.
Central Pacific Financial Corp. maintains industry-leading profitability with a gross margin of 76.1%, operating margin of 27.8%, and net margin of 21.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including BOH ($184M net income, 14.6% margin), HBB ($28M net income, 4.4% margin), FHB ($276M net income, 23.6% margin), CPF has outperformed on profitability metrics. Compare CPF vs BOH →
CPF Earnings vs Peers
Earnings metrics vs comparable public companies
CPF Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $77M | +45.1% | $101M | $2.87 | 21.4% | 27.8% |
| 2024 | $53M | -9.0% | $68M | $1.97 | 15.7% | 20.0% |
| 2023 | $59M | -20.6% | $77M | $2.17 | 18.4% | 24.0% |
| 2022 | $74M | -7.5% | $99M | $2.68 | 26.7% | 35.7% |
| 2021 | $80M | +114.3% | $106M | $2.83 | 30.7% | 40.7% |
| 2020 | $37M | -36.1% | $49M | $1.32 | 14.5% | 19.0% |
| 2019 | $58M | -2.0% | $78M | $2.03 | 22.6% | 30.2% |
| 2018 | $59M | +44.4% | $78M | $2.01 | 25.6% | 33.7% |
| 2017 | $41M | -12.3% | $76M | $1.34 | 19.2% | 35.3% |
| 2016 | $47M | +2.5% | $73M | $1.50 | 23.4% | 36.5% |
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Start ComparisonCPF — Frequently Asked Questions
Quick answers to the most common questions about buying CPF stock.
Is CPF growing earnings?
CPF EPS is $3.05, with earnings growth accelerating to +45.7%. This exceeds the 5-year CAGR of +16.8%. TTM net income reached $80M.
What are CPF's profit margins?
Central Pacific Financial Corp. net margin is +21.4%, with operating margin at +27.8%. Above-average margins indicate pricing power.
How consistent are CPF's earnings?
CPF earnings data spans 1989-2025. The accelerating earnings trend is +45.7% YoY. Historical data enables comparison across business cycles.