CPF

MKT CAP:$912M

Central Pacific Financial Corp.

Market Cap

$912M

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Financials·Banks - Regional·🇺🇸·NYSE

Stock Price

$34.34+$3.26 (+10.49%)

Apr 23, 2026

Company Details

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 pr...

CEO

Arnold D. Martines

IPO Date

Aug 28, 1987

Website

www.cpb.bank

Key Metrics TTM

Revenue

$362M

+6.4% YoY

Net Income

$77M

EPS (Diluted)

$2.87

Free Cash Flow

$90M

Revenue / Share

$13.51

Gross Margin

76.1%

Operating Margin

27.8%

Net Margin

21.4%

FCF Margin

24.8%

P/S

2.5x

P/E

11.8x

Earnings Reports

FY 2025

Feb 27, 2026

$362M+6.4%EPS $2.87

Q4 2025

Feb 27, 2026

$93M+16.3%EPS $0.85

Q3 2025

Oct 29, 2025

$92M+3.1%EPS $0.69

Q2 2025

Aug 5, 2025

$90M+3.9%EPS $0.68

Q1 2025

Apr 30, 2025

$87M+3.1%EPS $0.65

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$61M	$63M	$25M
Q2 22	$71M	$68M	$24M
Q3 22	$68M	$63M	$23M
Q4 22	$80M	$71M	$27M
Q1 23	$76M	$62M	$21M
Q2 23	$79M	$58M	$19M
Q3 23	$81M	$56M	$17M
Q4 23	$84M	$56M	$19M
Q1 24	$84M	$56M	$17M
Q2 24	$87M	$60M	$21M
Q3 24	$89M	$63M	$17M
Q4 24	$80M	$57M	$13M
Q1 25	$87M	$63M	$23M
Q2 25	$90M	$67M	$24M
Q3 25	$92M	$69M	$24M
Q4 25	$93M	$76M	$31M

Valuation

Quarter	P/S	P/E
Q1 22	3.0x	9.6x
Q2 22	2.2x	7.6x
Q3 22	2.1x	7.4x
Q4 22	2.0x	7.6x
Q1 23	1.6x	6.7x
Q2 23	1.4x	6.5x
Q3 23	1.4x	6.8x
Q4 23	1.6x	8.9x
Q1 24	1.6x	9.5x
Q2 24	1.7x	10.2x
Q3 24	2.3x	14.0x
Q4 24	2.3x	14.6x
Q1 25	2.1x	12.6x
Q2 25	2.2x	12.5x
Q3 25	2.4x	12.4x
Q4 25	2.4x	11.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$9M	$9M
Q2 22	$38M	$27M
Q3 22	$34M	$31M
Q4 22	$32M	$29M
Q1 23	$18M	$14M
Q2 23	$30M	$26M
Q3 23	$35M	$33M
Q4 23	$22M	$20M
Q1 24	$17M	$14M
Q2 24	$26M	$21M
Q3 24	$21M	$16M
Q4 24	$26M	$25M
Q1 25	$20M	$20M
Q2 25	$34M	$32M
Q3 25	$22M	$21M
Q4 25	$21M	$17M

Capital Expenditures

Quarter	CapEx
Q1 22	$858.0K
Q2 22	$11M
Q3 22	$3M
Q4 22	$3M
Q1 23	$4M
Q2 23	$4M
Q3 23	$3M
Q4 23	$2M
Q1 24	$3M
Q2 24	$5M
Q3 24	$6M
Q4 24	$2M
Q1 25	$889.0K
Q2 25	$2M
Q3 25	$873.0K
Q4 25	$4M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-0.1%	-5.4%
Q2 22	+12.6%	+22.9%
Q3 22	+1.8%	+15.8%
Q4 22	+13.7%	+31.2%
Q1 23	+24.8%	+54.2%
Q2 23	+11.0%	+26.8%
Q3 23	+18.9%	+39.6%
Q4 23	+4.0%	+20.5%
Q1 24	+10.5%	+22.4%
Q2 24	+10.2%	+10.5%
Q3 24	+10.4%	+13.9%
Q4 24	-4.3%	+3.3%
Q1 25	+3.1%	-4.4%
Q2 25	+3.9%	+0.2%
Q3 25	+3.1%	-5.2%
Q4 25	+16.3%	-6.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$197.0K	0.3%
Q2 22	$707.0K	1.0%
Q3 22	$1M	2.1%
Q4 22	$920.0K	1.1%
Q1 23	-$158.0K	-0.2%
Q2 23	$809.0K	1.0%
Q3 23	$553.0K	0.7%
Q4 23	$432.0K	0.5%
Q1 24	$148.0K	0.2%
Q2 24	$1M	1.2%
Q3 24	$633.0K	0.7%
Q4 24	$260.0K	0.3%
Q1 25	-$205.0K	-0.2%
Q2 25	$1M	1.3%
Q3 25	$642.0K	0.7%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$26M	$1M
Q2 22	$27M	$2M
Q3 22	$24M	$1M
Q4 22	$3M	—
Q1 23	$23M	$1M
Q2 23	$22M	$1M
Q3 23	$21M	$1M
Q4 23	$22M	$2M
Q1 24	$22M	$1M
Q2 24	$23M	$1M
Q3 24	$25M	$1M
Q4 24	$23M	$2M
Q1 25	$23M	$1M
Q2 25	$24M	$1M
Q3 25	$26M	$1M
Q4 25	$24M	$943.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$202M	$1.2B	$1.4B
Q2 22	$131M	$787M	$919M
Q3 22	$139M	$687M	$825M
Q4 22	$112M	$672M	$784M
Q1 23	$199M	$687M	$886M
Q2 23	$311M	$664M	$975M
Q3 23	$439M	$625M	$1.1B
Q4 23	$522M	$647M	$1.2B
Q1 24	$313M	$661M	$974M
Q2 24	$299M	$677M	$976M
Q3 24	$327M	$723M	$1.1B
Q4 24	$381M	$544M	$925M
Q1 25	$277M	$562M	$839M
Q2 25	$317M	$4M	$321M
Q3 25	$103M	$759M	$862M
Q4 25	$88M	$748M	$836M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	28M	-0.6%	-1.5%
Q2 22	28M	-0.7%	-2.7%
Q3 22	28M	-0.6%	-2.4%
Q4 22	27M	-0.7%	-2.6%
Q1 23	27M	-0.7%	-2.7%
Q2 23	27M	-0.2%	-2.2%
Q3 23	27M	+0.0%	-1.5%
Q4 23	27M	+0.1%	-0.8%
Q1 24	27M	+0.0%	-0.1%
Q2 24	27M	+0.1%	+0.2%
Q3 24	27M	+0.3%	+0.4%
Q4 24	27M	0.0%	+0.4%
Q1 25	27M	+0.1%	+0.4%
Q2 25	27M	-0.3%	+0.1%
Q3 25	27M	-0.1%	-0.3%
Q4 25	27M	-1.1%	-1.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$74.7K	820
Q2 22	$86.4K	820
Q3 22	$83.1K	820
Q4 22	$102.9K	781
Q1 23	$97.9K	781
Q2 23	$100.6K	781
Q3 23	$103.7K	781
Q4 23	$113.5K	737
Q1 24	$114.6K	737
Q2 24	$117.5K	737
Q3 24	$121.3K	737
Q4 24	$108.6K	737
Q1 25	$118.2K	737
Q2 25	$122.0K	737
Q3 25	$125.1K	737
Q4 25	$122.0K	763

Revenue / Employee