Central Pacific Financial Corp. (CPF)

Central Pacific Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	240.88	211.73	210	215.56	211.05
Net Interest Income Growth	13.77%	0.83%	-2.58%	2.14%	6.76%
Non-Interest Income	51.82	38.72	46.66	47.92	43.06
Non-Interest Income Growth	33.81%	-17.02%	-2.62%	11.28%	-4.73%
Revenues Before Loan Losses	292.7	250.46	256.66	263.48	254.11
Provision for Credit Losses	15.71	9.83	15.7	-1.27	-14.59
Revenue	276.99	240.63	240.97	264.76	268.7
Revenue Growth (YoY)	15.11%	-0.14%	-8.99%	-1.47%	33.83%
Compensation Expenses	93.75	85.94	82.05	88.78	90.21
Selling, General & Admin	59.86	56.48	56.73	53.94	53
Other Non-Interest Expenses	25.1	30.17	25.37	23.26	19.83
Total Non-Interest Expense	178.71	172.59	164.14	165.99	163.05
Pretax Income	98.28	68.04	76.82	98.77	105.65
Provision for Income Taxes	20.8	14.63	18.15	24.84	25.76
Net Income	77.48	53.41	58.67	73.93	79.89
Net Income to Common	77.48	53.41	58.67	73.93	79.89
Net Income Growth	45.06%	-8.96%	-20.64%	-7.47%	114.35%
Shares Outstanding (Basic)	27	27	27	27	28
Shares Outstanding (Diluted)	27	27	27	28	28
Shares Change (YoY)	-0.41%	0.28%	-1.77%	-2.44%	0.27%
EPS (Basic)	2.88	1.97	2.17	2.70	2.85
EPS (Diluted)	2.86	1.97	2.17	2.68	2.83
EPS Growth	45.18%	-9.22%	-19.03%	-5.30%	114.39%
Free Cash Flow	92.3	75.43	92.46	95.68	88.33
Free Cash Flow Growth	22.37%	-18.42%	-3.36%	8.33%	73.89%
Free Cash Flow Per Share	3.41	2.78	3.41	3.47	3.13
Dividends Per Share	1.090	1.040	1.040	1.040	0.960
Dividend Growth	4.81%	-	-	8.33%	4.35%
Profit Margin	27.97%	22.20%	24.35%	27.92%	29.73%
FCF Margin	33.32%	31.35%	38.37%	36.14%	32.87%
EBITDA	7.95	9.12	7.69	8.16	10.45
EBITDA Margin	2.87%	3.79%	3.19%	3.08%	3.89%
Effective Tax Rate	21.16%	21.50%	23.63%	25.15%	24.38%

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q