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NYSE · STATE COMMERCIAL BANKS · LARGE CAP

Central Pacific Financial Corp. CPF

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$51.8M
▲ 33.8% YoY
$77.5M
▲ 45.1% YoY
$92.3M
▲ 22.4% YoY

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

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 51.8M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 51.8 · Net income 77.5
30M60M
2009201220152018202120242025
Compound annual growth
+2.6%
+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

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

150 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 189.7% · Net 149.5%
100%200%
200920172025
ROE
FY2025 · ROE 13.7%
-100%-200%-300%
200920172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

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
100M200M
200920172025
Net buybacks $M Dividends $M
FY2025 · Dividends 29.4 · Net buybacks ·
15M30M
2013201520172019202120232025

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—not applicable◌not available in our data
CPF, 17-year financial record
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.10.00.00.00.0◌◌◌◌◌◌◌◌◌◌◌◌
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. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the share count is not tagged before 2010. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityState Commercial Banks
Listed onNYSE
Incorporated inHawaii
Fiscal year endsDecember 31
Data on record since2009

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