Central Pacific Financial (CPF) Financial Statements & Analysis

Central Pacific Financial (CPF) Income Statement

Central Pacific Financial reported revenue of $288.56M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 19.9% from $240.57M a year earlier. Net income was $77.48M, up 45.1% year over year, a net margin of 26.9%. Gross margin was 95.6% and operating margin 34.9%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $73.07M, up 2.2% from the same quarter a year earlier.

Central Pacific Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Central Pacific Financial Corp. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	288.56	240.58	246.97	264.75	252.14	257.62	258.18	232.14	214.58
Cost of Revenue	86.52	104.01	87.92	15.54	-7.14	56.85	38.66	23.18	11.72
Gross Profit	275.80	236.47	231.71	261.50	267.00	200.77	219.53	208.96	202.86
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	105.38	56.48	94.11	53.94	102.62	87.64	97.90	94.60	91.80
Operating Expenses	175.12	168.44	154.89	162.73	161.34	151.74	141.60	130.71	127.06
Operating Income	100.68	68.04	76.82	98.77	105.65	49.03	77.93	78.24	75.80
Other Income/Expense
Interest Income	312.67	305.59	282.18	232.27	218.44	211.87	215.36	198.02	182.39
Interest Expense	73.28	94.37	72.66	17.09	7.72	14.74	32.31	25.30	14.86
Other Income/Expense	-2.40	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	98.28	68.04	76.82	98.77	105.65	49.03	77.93	78.24	75.80
Income Tax Expense	20.80	14.63	18.15	24.84	25.76	11.76	19.61	18.76	34.60
Net Income	77.48	53.41	58.67	73.93	79.89	37.27	58.32	59.49	41.20
Net Income - Continuous Operations	77.48	53.41	58.67	73.93	79.89	37.27	58.32	59.49	41.20
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	108.62	9.12	84.47	8.16	116.10	61.42	86.53	88.40	87.20
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.84	9.12	0.74	8.16	3.47	12.39	8.60	10.15	11.40
Earnings Per Share
Basic EPS	3.00	2.00	2.00	3.00	3.00	1.00	2.00	2.00	1.00
Diluted EPS	3.00	2.00	2.00	3.00	3.00	1.00	2.00	2.00	1.00
Basic Shares Outstanding	26.93	27.06	27.03	27.40	28.00	28.07	28.50	29.41	30.40
Diluted Shares Outstanding	27.05	27.16	27.08	27.57	28.26	28.18	28.68	29.61	30.64

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Central Pacific Financial Financial Statements

What was Central Pacific Financial's revenue in fiscal 2025?

Central Pacific Financial reported revenue of $288.56M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 19.9% from $240.57M a year earlier.

Is Central Pacific Financial profitable?

Yes. Central Pacific Financial earned net income of $77.48M in fiscal 2025, a net margin of 26.9%. In fiscal 2024 it earned $53.41M.

What is Central Pacific Financial's operating margin?

Central Pacific Financial's operating income was $100.68M on revenue of $288.56M in fiscal 2025, an operating margin of 34.9%, compared with 28.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition