CENTRAL PACIFIC FINANCIAL CORP

CPF

CENTRAL PACIFIC FINANCIAL CORP

CPF

Insider Sentiment (TTM):

Last Purchase:2023-05-09Last Sale:2025-09-12Shares Purchased (TTM):0Shares Sold (TTM):3,333

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:22,876,273Shares Outstanding:26,277,749Institutional Ownership Pct.:87.06%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	97	89	88	103	111	107	78	100	104	98	116	109
Interest Bearing Deposits In Banks	287	318	290	207	206	170	303	227	195	214	406	330
Marketable Securities
Debt Securities Available For Sale Excluding Accru…	835	779	748	759	765	780	738	723	677	661	647	625
Debt Securities Held To Maturity Excluding Accrued…	545	555	562	571	580	590	597	606	616	625	632	640
Marketable Securities	1,381	1,334	1,311	1,330	1,346	1,370	1,335	1,330	1,293	1,286	1,280	1,265
Loans Receivable Held For Sale Net Not Part Of Dis…	2	3	1	2	0	3	6	2	4	1	2	0
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	5,343	5,384	5,401	5,439	5,509
Financing Receivable Excluding Accrued Interest Be…	-	5,320	5,289	5,367	5,290	5,335	5,333	-	-	-	5,439	-
Financing Receivable Allowance For Credit Loss Exc…	-	60	60	60	60	60	59	62	62	64	64	-
Allowance For Loan And Lease Losses Real Estate	-	-	-	-	-	-	-	62	62	64	64	65
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	5,281	5,321	5,338	5,375	5,444
Financing Receivable Excluding Accrued Interest Af…	-	5,260	5,229	5,307	5,230	5,274	5,274	-	-	-	5,375	-
Property Plant And Equipment Net	100	100	101	101	104	103	104	105	101	98	96	97
Interest Receivable	23	24	24	25	24	25	23	24	23	22	22	22
Investments In Affiliates Subsidiaries Associates …	58	60	61	53	49	51	52	55	40	41	42	43
Servicing Asset At Fair Value Amount	8	9	9	8	8	8	8	9	9	9	9	9
Bank Owned Life Insurance	185	181	181	180	178	177	176	176	174	172	171	169
Federal Home Loan Bank Stock	25	25	26	25	25	24	7	7	7	7	7	11
Operating Lease Right Of Use Asset	23	24	25	26	31	30	31	32	32	32	30	32
Other Assets	63	69	64	55	59	63	75	70	85	92	89	108
Assets	7,501	7,495	7,409	7,421	7,370	7,405	7,472	7,415	7,387	7,410	7,643	7,638
Liabilities And Stockhold…
Deposits
Deposits Savings Deposits	2,377	2,379	2,347	2,293	2,242	2,316	2,329	2,336	2,234	2,212	2,210	2,210
Time Deposits	994	995	984	1,040	1,028	1,057	1,087	1,153	1,218	1,268	1,395	1,350
Deposits	6,696	6,699	6,610	6,578	6,545	6,596	6,644	6,583	6,582	6,619	6,848	6,875
Short Term Borrowings	-	-	0	-	-	-	0	-	-	-	0	0
Long Term Debt	77	77	77	132	131	131	156	156	156	156	156	156
Operating Lease Liability	24	25	26	26	32	31	32	34	33	33	31	33
Interest Payable Current And Noncurrent	6	6	7	9	9	9	10	13	15	17	19	-
Other Liabilities	102	94	98	89	84	81	91	86	81	78	86	105
Liabilities	6,905	6,901	6,817	6,833	6,801	6,848	6,934	6,872	6,868	6,903	7,139	7,169
Stockholders Equity Inclu…
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	359	371	381	397	400	402	404	404	404	404	405	405
Additional Paid In Capital	108	107	107	107	106	105	105	105	104	103	103	103
Retained Earnings Accumulated Deficit	218	204	191	176	165	154	143	139	133	124	118	110
Accumulated Other Comprehensive Income Loss Net Of…	-88	-88	-87	-92	-102	-104	-114	-105	-123	-124	-123	-150
Stockholders Equity	596	594	593	588	569	557	538	544	519	507	504	469
Liabilities And Stockholders Equity	7,501	7,495	7,409	7,421	7,370	7,405	7,472	7,415	7,387	7,410	7,643	7,638
Held To Maturity Securities Fair Value	475	486	496	501	500	512	507	547	528	542	565	532
Deferred Finance Costs Net	-	-	0	-	-	0	0	0	0	0	0	1
Preferred Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	185	185	185	185	185	185	185	185	185	185	185	185
Common Stock Shares Issued	26	26	26	27	27	27	27	27	27	27	27	27
Shares Outstanding	26	26	26	27	27	27	27	27	27	27	27	27

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.61%	5.77%	15.33%	-	-	-	-	-	-	-	-	-
2025	3.11%	2.59%	12.85%	18.41%	16.18%	11.22%	4.83%	15.61%	13.43%	-4.21%	9.42%	5.65%
2024	7.67%	0.17%	14.64%	5.86%	9.57%	13.98%	20.22%	6.57%	7.44%	-5.47%	-12.09%	-3.82%
2023	-	-	-	-	-	-	13.57%	26.16%	23.51%	-0.35%	1.57%	13.04%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	20.89	17.81	14.76	11.40	3.55	2.41	1.91	1.78	1.81	1.86	2.06	2.45
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	6,475.86	6,628.20	6,810.91	7,016.23	7,205.80
Receivables Turnover TTM	-	-	-	-	-	-	-	0.06	0.06	0.05	0.05	0.05
Per Share Metrics
Diluted EPS TTM	3.18	3.05	-	2.44	2.24	2.14	-	2.09	2.09	2.05	-	2.36
Free Cash Flow Per Share TTM	3.77	3.43	3.50	3.63	3.45	3.00	2.79	2.61	3.23	3.39	3.42	3.74
Dividend Per Share TTM	1.15	1.13	1.11	1.07	1.06	1.05	1.04	1.04	1.04	1.04	1.04	1.04
Margin Metrics
Gross Profit Margin TTM	78.69%	77.87%	76.67%	74.88%	72.99%	70.98%	69.17%	68.52%	69.14%	70.97%	74.29%	78.64%
Operating Profit Margin TTM	33.58%	32.68%	31.28%	26.65%	24.71%	23.85%	22.23%	24.41%	25.00%	24.98%	27.18%	30.91%
Net Profit Margin TTM	26.38%	25.62%	24.66%	21.05%	19.50%	18.85%	17.45%	18.84%	19.13%	19.10%	20.76%	23.39%
Growth Metrics
Net Revenue Growth (1Y)	1.10%	1.67%	2.63%	3.64%	4.86%	6.43%	8.29%	10.48%	13.77%	17.71%	21.49%	22.86%
Net Income Growth (1Y)	36.77%	38.16%	45.06%	15.84%	6.89%	5.05%	-8.96%	-11.02%	-15.97%	-21.58%	-20.64%	-15.89%
EPS Growth (1Y)	41.98%	42.41%	48.86%	16.25%	7.15%	4.89%	-9.03%	-11.09%	-16.06%	-21.71%	-20.70%	-14.92%
Valuation Metrics
P/E TTM	11.97	10.35	10.43	12.08	12.04	12.03	13.94	13.18	9.40	8.86	8.22	6.29
P/B TTM	1.67	1.40	1.36	1.36	1.28	1.26	1.38	1.38	1.03	0.97	0.96	0.86
P/S TTM	3.16	2.65	2.57	2.54	2.35	2.27	2.43	2.48	1.80	1.69	1.71	1.47
Market Cap	993.17M	832.82M	807.97M	796.96M	730.51M	700.20M	744.67M	750.34M	533.83M	490.88M	482.30M	402.61M
Enterprise Value	686.44M	502.78M	505.86M	618.59M	545.01M	554.71M	520.07M	580.06M	391.16M	334.16M	115.96M	119.92M
Calculated Values
Free Cash Flow TTM	97.92M	90.02M	92.30M	97.98M	93.04M	81.24M	75.43M	70.56M	87.48M	91.76M	92.46M	101.19M
Net Debt	-306.72M	-330.05M	-302.11M	-178.37M	-185.50M	-145.49M	-224.60M	-170.29M	-142.67M	-156.72M	-366.34M	-282.69M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-09-12Sale

Owner: Ngo, Agnes Catherine

Title: -

Shares: 3,333

Price/Share: $30.66

Value: $102,189.78

Shares Owned: 60,514

Relationship: Director

Ownership: Indirect

2025-08-14Sale

Owner: Kosasa, Paul

Title: -

Shares: 923

Price/Share: $28.63

Value: $26,425.49

Shares Owned: -

Relationship: Director

Ownership: Indirect

2025-08-12Sale

Owner: Ngo, Agnes Catherine

Title: -

Shares: 3,333

Price/Share: $27.87

Value: $92,890.71

Shares Owned: 65,459

Relationship: Director

Ownership: Indirect

2025-08-01Sale

Owner: Yonamine, Paul K

Title: -

Shares: 2,765

Price/Share: $26.25

Value: $72,581.25

Shares Owned: 14,181

Relationship: Director

Ownership: Direct

2025-07-14Sale

Owner: Ngo, Agnes Catherine

Title: -

Shares: 3,333

Price/Share: $29.20

Value: $97,323.60

Shares Owned: 68,792

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-09-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	30.66	$102,189.78	60,514	4
2025-08-14	Kosasa, Paul	Director	-	Indirect	Sale	923	28.63	$26,425.49	0	4
2025-08-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	27.87	$92,890.71	65,459	4
2025-08-01	Yonamine, Paul K	Director	-	Direct	Sale	2,765	26.25	$72,581.25	14,181	4
2025-07-14	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	29.20	$97,323.60	68,792	4
2025-07-01	Yonamine, Paul K	Director	-	Direct	Sale	2,765	28.00	$77,420.00	16,946	4
2025-06-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	26.99	$89,957.67	72,125	4
2025-06-05	Yonamine, Paul K	Director	-	Direct	Sale	2,765	26.31	$72,747.15	19,711	4
2025-05-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	27.71	$92,357.43	72,922	4/A
2024-07-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	22.67	$75,559.11	75,357	4
2024-06-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	20.21	$67,359.93	78,690	4
2024-05-13	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	21.19	$70,626.27	82,023	4
2024-04-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	19.00	$63,327.00	85,356	4
2024-03-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	19.32	$64,393.56	88,689	4
2024-02-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	19.45	$64,826.85	92,022	4
2024-01-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	19.16	$63,860.28	95,355	4
2023-12-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	18.88	$62,927.04	98,688	4
2023-11-13	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	16.53	$55,094.49	102,021	4
2023-10-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	16.41	$54,694.53	105,354	4
2023-09-12	Ngo, Agnes Catherine	Director	-	Indirect	Sale	3,333	16.46	$54,861.18	108,687	4
2023-08-14	Ngo, Agnes Catherine	Director	-	Indirect	Sale	359	17.77	$6,379.43	112,020	4
2023-05-09	Camp, Christine H H	Director	-	Direct	Purchase	3,250	13.88	$45,110.00	19,745	4
2023-05-08	Camp, Christine H H	Director	-	Direct	Purchase	3,191	14.84	$47,360.97	16,495	4
2023-05-03	Martines, Arnold D	Officer	President & CEO	Direct	Purchase	500	14.53	$7,265.00	5,774	4
2023-04-26	Yonamine, Paul K	Director	-	Direct	Sale	4,316	15.50	$66,898.00	19,386	4
2023-03-28	Yonamine, Paul K	Director	-	Direct	Sale	4,316	18.32	$79,069.12	3,949	4
2023-02-16	Fry, Earl E	Director	-	Indirect	Sale	596	23.19	$13,821.24	49,654	4
2022-10-27	Martines, Arnold D	Officer	President & COO	Direct	Purchase	5,000	19.44	$97,200.00	5,274	4
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Institutional Ownership

No data available for chart

2026-03-31

87.06%

Inst. Shares: 22,876,273

Shares Outstanding: 26,277,749

2025-12-31

88.09%

Inst. Shares: 23,148,413

Shares Outstanding: 26,277,749

2025-09-30

87.36%

Inst. Shares: 23,560,032

Shares Outstanding: 26,968,163

2025-06-30

86.22%

Inst. Shares: 23,270,130

Shares Outstanding: 26,988,169

2025-03-31

84.70%

Inst. Shares: 22,942,889

Shares Outstanding: 27,087,154

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	22,876,273	26,277,749	87.06%
2025-12-31	23,148,413	26,277,749	88.09%
2025-09-30	23,560,032	26,968,163	87.36%
2025-06-30	23,270,130	26,988,169	86.22%
2025-03-31	22,942,889	27,087,154	84.70%
2024-12-31	23,215,134	27,087,154	85.71%
2024-09-30	23,400,641	27,064,035	86.46%
2024-06-30	22,254,474	27,053,549	82.26%
2024-03-31	21,248,252	27,046,525	78.56%
2023-12-31	21,648,183	27,046,525	80.04%
2023-09-30	21,504,113	27,042,762	79.52%
2023-06-30	22,164,911	27,024,043	82.02%
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CENTRAL PACIFIC FINANCIAL CORP (CPF) — SEC Financial Statements & Analysis

CENTRAL PACIFIC FINANCIAL CORP (CPF) is a state commercial banks company, incorporated in HI. CENTRAL PACIFIC FINANCIAL CORP trades on NYSE as: CPF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CENTRAL PACIFIC FINANCIAL CORP reported a 1.10% year-over-year revenue growth, a Gross Profit Margin of 78.69% (TTM), a Price-to-Sales (P/S) ratio of 3.16x (TTM), a Price-to-Book (P/B) ratio of 1.67x (TTM), at a market cap of $993.17M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1.10%
Gross Profit Margin TTM: 78.69%
P/S TTM: 3.16x
P/B TTM: 1.67x
Market Cap: $993.17M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CENTRAL PACIFIC FINANCIAL CORP in?

CENTRAL PACIFIC FINANCIAL CORP (CPF) operates in the State Commercial Banks industry.

What is CPF's market cap?

CENTRAL PACIFIC FINANCIAL CORP (CPF) has a market capitalization of $993.17M as of 2026-06-30.

What is CPF's P/E ratio?

CENTRAL PACIFIC FINANCIAL CORP (CPF)'s trailing twelve month P/E ratio is 11.97x as of 2026-06-30.

What exchange does CPF trade on?

CENTRAL PACIFIC FINANCIAL CORP (CPF) trades on the NYSE.

Where is CENTRAL PACIFIC FINANCIAL CORP incorporated?

CENTRAL PACIFIC FINANCIAL CORP is incorporated in HI.