Central Pacific Financial Corp. (CPF)

Central Pacific Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	262.49	258.19	243.32	200.28	193.78	186.13
Interest Income on Investments	50.75	47.91	39.34	32.38	24.98	26.29
Total Interest Income	313.25	306.1	282.66	232.66	218.76	212.42
Interest Paid on Deposits	70.65	85.29	62.89	11.11	3.62	10.42
Interest Paid on Borrowings	8.03	9.08	9.77	5.99	4.1	4.32
Total Interest Expense	78.68	94.37	72.66	17.09	7.72	14.74
Net Interest Income	234.57	211.73	210	215.56	211.05	197.68
Net Interest Income Growth (YoY)	13.26%	0.83%	-2.58%	2.14%	6.76%	7.39%
Trust Income	6.1	5.76	4.9	4.57	5.08	4.83
Mortgage Banking Activities	3.21	3.39	2.59	3.81	7.73	13.68
Gain (Loss) on Sale of Assets	-0	-0.06	5.12	-0.01	-0.1	-0.55
Gain (Loss) on Sale of Investments	-9.96	-9.93	-2.07	8.51	0.15	-0.2
Gain (Loss) on Sale of Equity Investments	0.07	-0.02	-0.02	0.19	0.36	0.42
Other Non-Interest Income	31.97	30.87	27.39	22.66	23.38	20.24
Total Non-Interest Income	40.24	38.67	46.65	47.91	42.96	44.65
Non-Interest Income Growth (YoY)	-21.42%	-17.11%	-2.64%	11.53%	-3.78%	6.80%
Revenues Before Loan Losses	274.81	250.4	256.65	263.48	254.01	242.33
Provision for Loan Losses	14.13	9.83	15.7	-1.27	-14.59	42.11
Revenue	260.67	240.58	240.95	264.75	268.6	200.22
Revenue Growth (YoY)	6.55%	-0.16%	-8.99%	-1.43%	34.15%	-8.80%
Salaries and Employee Benefits	88.52	83.34	79.01	83.86	85.54	79.86
Occupancy Expenses	18.18	18	18.19	16.96	16.13	15.16
Selling, General & Administrative	43.28	41.08	41.58	41.9	41.54	37.29
Other Non-Interest Expense	27.22	30.12	23.08	17.76	19.3	15.75
Total Non-Interest Expense	177.2	172.54	161.86	165.37	162.51	148.06
EBT Excluding Unusual Items	83.47	68.04	79.1	99.38	106.09	52.16
Legal Settlements	-	-	-	-	-	-0.75
Other Unusual Items	-	-	-2.27	-	-	-0.75
Pretax Income	83.47	68.04	76.82	98.77	105.65	49.03
Income Tax Expense	17.52	14.63	18.15	24.84	25.76	11.76
Net Income	65.95	53.41	58.67	73.93	79.89	37.27
Net Income to Common	65.95	53.41	58.67	73.93	79.89	37.27
Net Income Growth	15.84%	-8.96%	-20.64%	-7.47%	114.35%	-36.09%
Basic Shares Outstanding	27	27	27	27	28	28
Diluted Shares Outstanding	27	27	27	28	28	28
Shares Change (YoY)	0.07%	0.28%	-1.77%	-2.44%	0.27%	-1.73%
EPS (Basic)	2.44	1.97	2.17	2.70	2.85	1.33
EPS (Diluted)	2.43	1.97	2.17	2.68	2.83	1.32
EPS Growth	15.70%	-9.22%	-19.03%	-5.30%	114.39%	-34.98%
Dividend Per Share	1.070	1.040	1.040	1.040	0.960	0.920
Dividend Growth	2.89%	-	-	8.33%	4.35%	2.22%
Effective Tax Rate	20.99%	21.50%	23.63%	25.15%	24.38%	23.98%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q