CENTRAL PACIFIC FINANCIAL CORP
CPF· NYSE· State Commercial Banks
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 178.1%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +16.8%
We record prices for the companies we cover; CPF is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 27.0M
- Revenue
- $51.8M
- Free cash flow
- $92.3M
- Owner earnings
- $90.0M
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 149.5%
- Free cash flow
- 178.1%
- Owner earnings
- 173.8%
- Stock pay
- 4.3%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 13.1%
- ROE, 5 yr avg
- 13.1%
Growth (CAGR)
- Revenue, 3 yr
- 2.6%
- Revenue, 5 yr
- 16.8%
- Revenue, 9 yr
- –
- Diluted EPS, 3 yr
- 2.2%
- Diluted EPS, 5 yr
- 16.7%
- Diluted EPS, 9 yr
- 7.4%
- Free cash flow, 3 yr
- -1.2%
- Free cash flow, 5 yr
- 12.7%
- Free cash flow, 9 yr
- 3.0%
Financial health · FY2025
- Cash and investments
- $378.7M
- Total debt
- $76.5M
- Net cash
- $302.1M
- Debt/Equity
- 0.1x
- Debt/FCF
- 0.8x
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 37.9%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- -0.8%
Financials: ten years from the 10-Ks
Revenue
$51.8M
+11.2% a year over 9 years
FY2016FY2025
Margins
149.5%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$92.3MOwner earnings$90.0M
Free cash flow +3.0% a year
FY2016FY2025
Diluted shares
27.0M
-13.4% over 9 years, net buybacks
FY2016FY2025
Net cash
$302.1M
$302.1M more cash than debt
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | – | – | $24.6M | $26.0M | $23.8M | $43.1M | $47.9M | $46.7M | $38.7M | $51.8M |
| Revenue growth | – | – | – | 5.9% | -8.6% | 80.8% | 11.3% | -2.6% | -17.0% | 33.8% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $47.0M | $41.2M | $59.5M | $58.3M | $37.3M | $79.9M | $73.9M | $58.7M | $53.4M | $77.5M |
| Net margin | – | – | 242.0% | 224.0% | 156.5% | 185.5% | 154.3% | 125.7% | 137.9% | 149.5% |
| Diluted EPS | $1.50 | $1.34 | $2.01 | $2.03 | $1.32 | $2.83 | $2.68 | $2.17 | $1.97 | $2.86 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $76.5M | $96.8M | $103.5M | $72.2M | $76.8M | $110.5M | $114.1M | $105.1M | $90.5M | $97.5M |
| Capital expenditure | $5.9M | $6.5M | $3.2M | $7.2M | $26.0M | $22.2M | $18.4M | $12.7M | $15.1M | $5.2M |
| Free cash flow | $70.6M | $90.3M | $100.3M | $65.0M | $50.8M | $88.3M | $95.7M | $92.5M | $75.4M | $92.3M |
| Stock-based compensation | $1.3M | $1.9M | $2.8M | $2.7M | $3.2M | $3.2M | $3.3M | $1.6M | $2.1M | $2.3M |
| Owner earnings? | $69.3M | $88.3M | $97.5M | $62.3M | $47.6M | $85.1M | $92.4M | $90.8M | $73.4M | $90.0M |
| Free cash flow per share | $2.26 | $2.95 | $3.39 | $2.27 | $1.80 | $3.13 | $3.47 | $3.41 | $2.78 | $3.41 |
| Capital allocation | ||||||||||
| Dividends paid | $18.6M | $21.3M | $24.1M | $25.7M | $25.9M | $27.0M | $28.5M | $28.1M | $28.1M | $29.4M |
| Share repurchases | – | – | – | – | – | – | – | – | – | – |
| Diluted shares | 31.2M | 30.6M | 29.6M | 28.7M | 28.2M | 28.3M | 27.6M | 27.1M | 27.2M | 27.0M |
| Share count change? | -4.4% | -1.9% | -3.4% | -3.2% | -1.7% | 0.3% | -2.4% | -1.8% | 0.3% | -0.4% |
| Balance sheet | ||||||||||
| Cash and equivalents | $84.3M | $82.3M | $102.2M | $103.0M | $104.1M | $328.9M | $112.0M | $522.4M | $380.9M | $378.7M |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | $227.8M | $124.8M | $319.2M | $251.5M | $22.0M | $105.6M | $110.9M | $156.1M | $156.3M | $76.5M |
| Net debt | $143.4M | $42.5M | $217.0M | $148.6M | -$82.1M | -$223.3M | -$1.2M | -$366.3M | -$224.6M | -$302.1M |
| Shareholders' equity | $504.6M | $500.0M | $491.7M | $528.5M | $546.7M | $558.3M | $452.9M | $503.8M | $538.4M | $592.6M |
Latest filings
| 2026-10-28 | 8-K | Earnings release |
| 2026-10-28 | 10-Q | Quarterly report |
| 2026-08-06 | 10-Q | Quarterly report |
| 2026-07-24 | 8-K | Earnings release |
| 2026-04-29 | 8-K | Earnings release |
| 2026-04-29 | 10-Q | Quarterly report |
| 2026-03-06 | DEF 14A | Proxy statement |
| 2026-02-27 | 10-K | Annual report |
| 2026-01-28 | 8-K | Earnings release |
| 2025-10-29 | 10-Q | Quarterly report |
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