Central Pacific Financial Corp.

NYSE•CPF

CEO: Mr. Arnold D. Martines

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1987-08-28

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

Contact Information

220 South King Street, Honolulu, HI, 96813, United States

808-544-0500

www.cpb.bank

Market Cap

$845.49M

P/E (TTM)

11.0

13.1

Dividend Yield

3.5%

52W High

$35.01

52W Low

$23.16

52W Range

71%

Rank35Top 29.9%

4.6

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.6 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$93.08M+16.29%

4-Quarter Trend

EPS

$0.86+104.76%

4-Quarter Trend

FCF

$16.74M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Soars 2025 Net income reached $77.5M in 2025, up from $53.4M in 2024; adjusted diluted EPS was $2.91.

Net Interest Margin Expansion NIM improved to 3.45% in 2025 from 3.01% in 2024, driven by higher average yields on earning assets.

Strong Capital Position CPF's CET1 ratio was 12.7% at year-end 2025, maintaining strong regulatory capital adequacy levels.

Loan Portfolio Shifts Total loans declined 0.8% to $5.29B, reflecting run-off in consumer/home equity offset by commercial growth.

Risk Factors

Hawaii Economic Concentration Performance highly sensitive to Hawaii's local economy, tourism trends, and commercial/residential real estate market health.

Interest Rate Risk Exposure Earnings sensitive to interest rate fluctuations; managing investment portfolio risk is crucial to sustain NIM.

Credit Quality Deterioration Nonperforming assets rose to $14.4M (0.19% of assets); criticized loans increased due to commercial real estate downgrade.

Cybersecurity and Technology Threats Pervasive, sophisticated cyberattacks pose material risk; continuous investment in security controls remains necessary.

Outlook

Modest Rate Decline Expected FOMC projections suggest modest interest rate declines through 2026, impacting deposit costs and funding dynamics.

2026 Economic Headwinds Forecasts project moderation in Hawaii tourism and flat real personal income growth for 2026 due to external factors.

Capital Deployment Strategy Capital strength supports shareholder returns; Board authorized a new $55.0M share repurchase plan in January 2026.

Regulatory Compliance Costs Anticipate increased compliance costs related to implementing Basel IV capital rules and evolving cybersecurity mandates.

Peer Comparison

Revenue (TTM)

MCB

$527.15M

+7.1%

BFST

$511.93M

+11.8%

AMAL

$455.03M

+4.5%

Gross Margin (Latest Quarter)

CCBG

88.4%

+2.5pp

CPF

82.0%

+10.7pp

HBT

81.4%

+3.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
AMAL	$1.14B	11.0	13.7%	1.1%
MOFG	$1.02B	17.4	10.0%	1.6%
EQBK	$917.56M	36.7	3.4%	7.0%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.2%

Moderate Growth

4Q Net Income CAGR

8.8%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 21, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data