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MARKETS / NYSE / CPF
NYSE · STATE COMMERCIAL BANKS · LARGE CAP

Central Pacific Financial Corp. CPF

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$37.6M
▲ 6.0% YoY
$77.5M
▲ 45.1% YoY
$92.3M
▲ 22.4% YoY
In brief

What this company does

Through its Bank and its subsidiaries, the company provides full-service commercial banking through 27 bank branches and 55 ATMs located across the State of Hawaii. Central Pacific Bank offers a full range of deposit and lending products and services to consumer and business customers. Through the Bank, the company concentrates its lending activities in five principal areas, including residential mortgage, commercial and industrial, commercial mortgage, construction, and consumer lending. At December 31, 2025, the company employed 763 individuals, including 722 full-time and 41 part-time employees. Central Pacific Bank was founded by World War II veterans who, despite returning home as war heroes, faced limited banking opportunities in Hawaii.

Written from the business description in Central Pacific Financial Corp.'s annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.

Growth
USD 37.6M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 37.6 · Net income 77.5
40M200920112013201520172019202120232025
Compound annual growth
+7.3%
+9.6%
+1.6%
+15.8%
+5.4%
+2.2%
+16.7%
+7.4%
+1.6%
+3.4%
+2.9%
+1.0%
+2.5%
+1.2%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +9.6% a year over five years — but profit grew faster: net income at +15.8%, earnings per share at +16.7%.

The share count fell from 0.03B to 0.03B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
206 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 261.3% · Net 206.0%
100%200%300%200920112013201520172019202120232025
ROE
FY2025 · ROE 13.7%
-100%-200%-300%200920112013201520172019202120232025

Each USD of equity produced 14 cents of profit this year.

Cash & shareholders
USD 29.4M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 92.3
80M160M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 29.4 · Net buybacks —
10M20M2013201520172019202120232025

USD 29.4M in dividends — 38% of the year's profit went back to shareholders.

Total assetsUSD 7.4B
EquityUSD 592.6M
CashUSD 378.7M
Gross debtUSD 76.5M
Net debtUSD -302.1M
DepositsUSD 6.6B

The company holds more cash than debt.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.00.00.00.0·········
Operating income $B0.10.10.10.10.10.00.10.10.10.10.10.10.10.00.0−0.3−0.3
EBITDA $B0.10.10.10.10.10.10.10.10.10.10.10.10.10.10.0−0.2−0.3
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.0−0.1·0.00.0−0.0
Net income $B0.10.10.10.10.10.00.10.10.00.00.00.00.20.00.0−0.3−0.3
Free cash flow $B0.10.10.10.10.10.10.10.10.10.10.10.10.10.00.00.20.1
EPS, diluted $2.861.972.172.682.831.322.032.011.341.501.401.074.071.133.31−171.13−220.56
Dividend / sh $1.091.041.041.040.960.920.900.820.700.600.820.360.16····
Payout %3853483934704441524057334····
ROE %13.710.212.314.614.56.911.412.08.29.48.66.629.59.914.0−379.9·
Shares out B0.030.030.030.030.030.030.030.030.030.030.030.040.040.040.040.00·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNYSE
Incorporated inHawaii
Fiscal year endsDecember 31
Data on record since2009

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