Central Pacific Financial Corp
CPF NYSE· State Commercial Banks
Last close · Oct 27, 2026
$37.82
KIRA · Stoqly’s AI analyst, in plain words
- Central Pacific Financial Corp had $51.8M of revenue in fiscal 2025, up 33.8% on the year before. Over five years, revenue changed +16.8% a year on average.
- Central Pacific Financial Corp made $77.5M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.4% a year.
- Central Pacific Financial Corp returned $29.4M to shareholders in fiscal 2025, 32% of free cash flow. The diluted share count fell 0.4%.
- It earned 13.7% on shareholders’ money. Running costs took 344.9% of revenue (the efficiency ratio; lower is better).
Market cap
$987M
P/E
12.1x
Revenue
$51.8M
Net income
$77.5M
Return on equity
13.7%
Efficiency ratio
344.9%
Central Pacific Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+33.8%
Yes. Sales grew 33.8% last year.
Does it make a profit?
149.5%
Yes. It keeps 149.5% of every sale as profit.
How lean are its costs?
344.9%
Costly. Running costs take 344.9% of revenue.
How much does it earn on its capital?
13.7%
Good. It earns 13.7% a year on shareholders’ money.
How is the share priced?
12.1x
One share costs 12.1 times its yearly profit per share.
What Central Pacific Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- CENTRAL PACIFIC FINANCIAL CORP
- CIK
- 0000701347
Central Pacific Financial Corp · CPF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $43.1M | $47.9M | $46.7M | $38.7M | $51.8M |
| Revenue growth | 80.8% | 11.3% | −2.6% | −17.0% | 33.8% |
| Net interest income | $211M | $216M | $210M | $212M | $241M |
| Net income | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| Net margin | 185.5% | 154.3% | 125.7% | 137.9% | 149.5% |
| Diluted EPS | $2.83 | $2.68 | $2.17 | $1.97 | $2.86 |
| Cash | |||||
| Cash from operations | $110M | $114M | $105M | $90.5M | $97.5M |
| Capital expenditure | $22.2M | $18.4M | $12.7M | $15.1M | $5.2M |
| Free cash flow | $88.3M | $95.7M | $92.5M | $75.4M | $92.3M |
| FCF margin | 205.1% | 199.7% | 198.1% | 194.8% | 178.1% |
| Dividends paid | $27.0M | $28.5M | $28.1M | $28.1M | $29.4M |
| Share count change | 0.3% | −2.4% | −1.8% | 0.3% | −0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $329M | $112M | $522M | $381M | $379M |
| Debt incl. finance leases | $106M | $111M | $156M | $156M | $76.5M |
| Loans, net | $5.0B | $5.5B | $5.4B | $5.3B | $5.2B |
| Deposits | $6.6B | $6.7B | $6.8B | $6.6B | $6.6B |
| Shareholders' equity | $558M | $453M | $504M | $538M | $593M |
| Returns and quality | |||||
| Return on equity | 14.5% | 14.6% | 12.3% | 10.2% | 13.7% |
| Return on tangible equity | 14.6% | 16.7% | 11.7% | 9.9% | 13.1% |
| Efficiency ratio | 378.6% | 346.4% | 351.8% | 445.7% | 344.9% |
| Piotroski F-score | 5 | 5 | 4 | 3 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Central Pacific Financial Corp · CPF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $37.82 a share, the company is worth $987M: 12.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000701347). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.