Central Pacific Financial Corp (CPF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Central Pacific Financial reported revenue of $292.7M, up 16.9% from $250.5M the year before. Net income was $77.5M (a 26.5% net margin), or $2.86 per diluted share. Net interest income was $240.9M, and the efficiency ratio (noninterest expense / revenue) was 61.1%. Operating activities generated $97.5M of cash, leaving $92.3M of free cash flow. At fiscal year end, Central Pacific Financial held $7.41B in total assets against $6.82B in total liabilities.
Open the full interactive Central Pacific Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Central Pacific Financial Key Stats
| Share Price | $35.61 |
|---|---|
| Market Cap | $929.8M |
| P/E Ratio | 12.5 |
| Revenue YoY Growth | +16.9% |
| 52-Week Range | $26.66 – $39.67 |
| Shares Outstanding | 26.0 million (basic, 2026 Q2) |
Central Pacific Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $197.7M | $211.0M | $215.6M | $210.0M | $211.7M | $240.9M |
| Provision for Credit Losses | $39.1M | -$14.6M | -$1.3M | $15.7M | $9.8M | $15.7M |
| Noninterest Income | $45.2M | $43.1M | $47.9M | $46.7M | $38.7M | $51.8M |
| Noninterest Expense | $154.7M | $163.0M | $166.0M | $164.1M | $172.6M | $178.7M |
| Revenue | $242.9M | $254.1M | $263.5M | $256.7M | $250.5M | $292.7M |
| Pre-Tax Income | $49.0M | $105.7M | $98.8M | $76.8M | $68.0M | $98.3M |
| Income Tax | $11.8M | $25.8M | $24.8M | $18.2M | $14.6M | $20.8M |
| Net Income | $37.3M | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| Diluted EPS | $1.32 | $2.83 | $2.68 | $2.17 | $1.97 | $2.86 |
Central Pacific Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $74.8M | $76.3M | $72.9M | $77.5M |
| Net Income | $18.6M | $22.9M | $20.7M | $20.8M |
| Diluted EPS | $0.69 | $0.85 | $0.78 | $0.80 |
Central Pacific Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $4.88B | $5.03B | $5.49B | $5.38B | $5.27B | $5.23B |
| Total Assets | $6.59B | $7.42B | $7.43B | $7.64B | $7.47B | $7.41B |
| Deposits | $5.80B | $6.64B | $6.74B | $6.85B | $6.64B | $6.61B |
| Total Long-Term Debt | $105.4M | $105.6M | $105.9M | $156.1M | $156.3M | $76.5M |
| Total Liabilities | $6.05B | $6.86B | $6.98B | $7.14B | $6.93B | $6.82B |
| Shareholders' Equity | $546.7M | $558.2M | $452.9M | $503.8M | $538.4M | $592.6M |
Central Pacific Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $76.8M | $110.5M | $114.1M | $105.1M | $90.5M | $97.5M |
| Cash From Investing | -$596.9M | -$662.3M | -$384.5M | $179.7M | $654,000 | $67.2M |
| Cash From Financing | $521.2M | $776.6M | $53.5M | $125.6M | -$232.7M | -$166.9M |
| Free Cash Flow | $50.8M | $88.3M | $95.7M | $92.5M | $75.4M | $92.3M |
Figures from Central Pacific Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Central Pacific Financial financials page for every line item.
Central Pacific Financial Company Profile
| Ticker | CPF |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Honolulu, Hawaii |
| Incorporated in | Hawaii |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000701347 |
Frequently Asked Questions
What was Central Pacific Financial's revenue in fiscal 2025?
Central Pacific Financial (CPF) reported revenue of $292.7M for fiscal 2025.
What is Central Pacific Financial's annual revenue history?
Central Pacific Financial's annual revenue by fiscal year: 2020: $242.9M; 2021: $254.1M; 2022: $263.5M; 2023: $256.7M; 2024: $250.5M; 2025: $292.7M.
What was Central Pacific Financial's net income in fiscal 2025?
Central Pacific Financial reported net income of $77.5M for fiscal 2025.
What was Central Pacific Financial's earnings per share (EPS) in fiscal 2025?
Central Pacific Financial's diluted EPS was $2.86 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Central Pacific Financial generate in fiscal 2025?
Central Pacific Financial generated $92.3M of free cash flow in fiscal 2025.
What was Central Pacific Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Central Pacific Financial reported revenue of $77.5M.
How much debt does Central Pacific Financial have?
Central Pacific Financial reported $76.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Central Pacific Financial are outstanding?
Central Pacific Financial reported a weighted average of 26.0 million basic shares outstanding in 2026 Q2.
What is Central Pacific Financial's market cap?
Based on its latest closing price, Central Pacific Financial (CPF) has a market capitalization of about $929.8M.
When does Central Pacific Financial's fiscal year end?
Central Pacific Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Central Pacific Financial headquartered?
Central Pacific Financial lists its business address in Honolulu, Hawaii in its SEC filings.