CPFNYSEState Commercial BanksFiscal year ends December 31
CENTRAL PACIFIC FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$36.28−0.20 (-0.55%)
Close on Oct 19, 2026
- Market cap
- $947.24M
- P/E (TTM)
- 11.6
- Dividend yield
- 3.00%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
149.5%−7.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +33.8% | +2.6% | +16.8% | -11.9% | |
| Net income | +45.1% | +1.6% | +15.8% | +5.4% | |
| EPS, diluted | +45.2% | +2.2% | +16.7% | +7.4% | |
| Free cash flow | +22.4% | -1.2% | +12.7% | +3.0% | |
| Dividend per share | +4.8% | +1.6% | +3.4% | +2.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.4% | 6.9% | 13.7% | |
| Return on assets | 0.9% | 0.6% | 1.0% | |
| Capex to revenue | 2.9% | 109.2% | 10.0% | |
| Diluted shares | 31M | 28M | 27M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Central Pacific Financial generated $517.71M from operations and spent $214.59M on capital expenditure, dividends and share buybacks. 34% of that went back into the business.
Generated
$517.71M
Used
$214.59M
Capital expenditure$73.51M34%Dividends$141.08M66%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin149.5%
×Asset turnover0.01×
×Equity multiplier13.16×
=Return on equity, FY202513.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 149.5% | 0.01× | 13.16× | 13.7% |
| FY2024 | 137.9% | 0.01× | 14.50× | 10.2% |
| FY2023 | 125.7% | 0.01× | 15.76× | 12.3% |
| FY2022 | 154.3% | 0.01× | 14.69× | 14.6% |
| FY2021 | 185.5% | 0.01× | 12.68× | 14.5% |
| FY2020 | 156.5% | 0.00× | 11.72× | 6.9% |
| FY2019 | 224.0% | 0.00× | 11.59× | 11.4% |
| FY2018 | 242.0% | 0.00× | 11.53× | 12.0% |
| FY2017 | 20.2% | 0.04× | 10.96× | 8.2% |
| FY2016 | 23.5% | 0.04× | 10.52× | 9.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$77.48M
- Cash generatingOperating cash flow above zero$97.47M
- Return on assets improvedROA up on the prior year0.7% → 1.0%
- Earnings backed by cashOperating cash flow above net income$97.47M vs $77.48M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise27M → 27M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01