CENTRAL PACIFIC FINANCIAL CORP CPF

Latest FY: 2025 Financial Services Banks - Regional
Market Price $37.71
Market Cap $985.85M
P/E Ratio 13.19
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑16.9% YoY
$292.70M
3-Yr CAGR: 3.6%
Net Income ↑45.1% YoY
$77.48M
Net Margin: 26.5%
Free Cash Flow ↑22.4% YoY
$92.30M
FCF Yield: 9.36%
EPS (Diluted) ↑45.2% YoY
$2.86
Basic: $2.88
Return on Equity Efficiency
13.1%
ROA: 1.0%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CPF)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $200.3M $191.1M $47.0M $1.50 $0.60 1.91% $76.5M $70.6M
FY 2017 $204.2M +2.0% $189.3M $41.2M -12.3% $1.34 -10.7% $0.70 2.35% $96.8M $90.3M +27.9%
FY 2018 $211.8M +3.7% $186.5M $59.5M +44.4% $2.01 +50.0% $0.82 3.37% $103.5M $100.3M +11.1%
FY 2019 $225.9M +6.6% $193.6M $58.3M -2.0% $2.03 +1.0% $0.90 3.04% $72.2M $65.0M -35.2%
FY 2020 $242.9M +7.5% $228.1M $37.3M -36.1% $1.32 -35.0% $0.92 4.84% $76.8M $50.8M -21.8%
FY 2021 $254.1M +4.6% $246.4M $79.9M +114.3% $2.83 +114.4% $0.96 3.41% $110.5M $88.3M +73.9%
FY 2022 $263.5M +3.7% $246.4M $73.9M -7.5% $2.68 -5.3% $1.04 5.13% $114.1M $95.7M +8.3%
FY 2023 $256.7M -2.6% $184.0M $58.7M -20.6% $2.17 -19.0% $1.04 5.28% $105.1M $92.5M -3.4%
FY 2024 $250.5M -2.4% $156.1M $53.4M -9.0% $1.97 -9.2% $1.04 3.58% $90.5M $75.4M -18.4%
FY 2025 $292.7M +16.9% $219.4M $77.5M +45.1% $2.86 +45.2% $1.09 3.50% $97.5M $92.3M +22.4%
$

Valuation

Market Price $37.71
Market Cap $985.85M
Enterprise Value $960.21M
P/E Ratio 13.19
P/B Ratio 1.66
FCF Yield 9.36%
Dividend Yield 2.89%
Shares Outstanding 26,115,200
%

Profitability & Margins

Gross Margin 74.96%
Operating Margin 33.58%
Net Margin 26.47%
Return on Equity (ROE) 13.08%
Return on Assets (ROA) 1.05%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 3.57%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.129
Debt / Assets 0.010
Cash & Equivalents $102.19M
Total Debt $76.55M
Book Value / Share $22.69
💧

Cash Flow Efficiency

Operating Cash Flow $97.47M
Capital Expenditures (CapEx) $5.16M
Free Cash Flow $92.30M
OCF / Revenue 33.30%
FCF / Revenue 31.54%
FCF 3-Yr CAGR -1.19%
🏷️

Per Share Metrics

EPS (Diluted) $2.86
EPS (Basic) $2.88
Dividends / Share $1.09
Book Value / Share $22.69
EPS YoY Growth 45.18%
🏛️

Balance Sheet (FY 2025)

Total Assets $7.41B
Total Liabilities $6.82B
Stockholders' Equity $592.58M
Current Assets N/A
Current Liabilities N/A