CPF
Central Pacific Financial Corp
NYSE: CPF · FINANCIAL SERVICES · BANKS - REGIONAL
$33.30
-2.57% today
Updated 2026-04-30
Market cap
$899.11M
P/E ratio
11.89
P/S ratio
3.25x
EPS (TTM)
$2.86
Dividend yield
3.16%
52W range
$24 – $35
Volume
0.2M
Central Pacific Financial Corp (CPF) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $363.54M | $395.68M | $358.20M | $301.46M | $209.62M | $192.99M | $188.61M | $194.43M | $190.50M | $190.26M | $200.91M | $214.58M | $232.13M | $221.77M | $257.62M | $259.86M | $277.04M | $319.63M | $340.48M | $362.32M |
| Revenue growth (YoY) | — | +8.8% | -9.5% | -15.8% | -30.5% | -7.9% | -2.3% | +3.1% | -2.0% | -0.1% | +5.6% | +6.8% | +8.2% | -4.5% | +16.2% | +0.9% | +6.6% | +15.4% | +6.5% | +6.4% |
| Cost of revenue | $110.88M | $190.98M | $273.67M | $416.52M | $201.65M | $-22.06M | $-10.15M | $-4.14M | $-23000.00 | $-9.16M | $2.10M | $11.72M | $23.18M | $38.66M | $56.85M | $-7.14M | $15.54M | $87.92M | $104.00M | $86.52M |
| Gross profit | $252.66M | $204.70M | $84.53M | $-115.06M | $7.97M | $215.06M | $198.76M | $198.57M | $190.52M | $199.42M | $198.81M | $202.86M | $208.96M | $221.77M | $200.77M | $267.00M | $261.50M | $231.71M | $236.47M | $275.80M |
| Gross margin | 69.5% | 51.7% | 23.6% | -38.2% | 3.8% | 111.4% | 105.4% | 102.1% | 100.0% | 104.8% | 99.0% | 94.5% | 90.0% | 100.0% | 77.9% | 102.7% | 94.4% | 72.5% | 69.5% | 76.1% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $73.21M | $62.56M | $94.45M | $96.73M | $64.22M | $70.82M | $76.73M | $84.40M | $77.90M | $78.74M | $89.55M | $87.73M | $90.86M | $101.61M | $83.85M | $95.83M | $96.70M | $88.21M | $92.54M | $98.25M |
| Operating income | $120.49M | $28.14M | $-187.73M | $-333.74M | $-250.95M | $36.57M | $47.42M | $59.83M | $60.84M | $72.96M | $73.27M | $75.80M | $78.24M | $77.93M | $49.03M | $105.65M | $98.77M | $76.82M | $68.04M | $100.68M |
| Operating margin | 33.1% | 7.1% | -52.4% | -110.7% | -119.7% | 18.9% | 25.1% | 30.8% | 31.9% | 38.3% | 36.5% | 35.3% | 33.7% | 35.1% | 19.0% | 40.7% | 35.7% | 24.0% | 20.0% | 27.8% |
| EBITDA | $135.97M | $42.86M | $-171.25M | $-319.21M | $-236.16M | $50.33M | $63.95M | $73.25M | $72.02M | $85.69M | $87.06M | $87.20M | $88.40M | $86.53M | $61.42M | $116.10M | $106.93M | $84.47M | $77.15M | $100.68M |
| EBITDA margin | 37.4% | 10.8% | -47.8% | -105.9% | -112.7% | 26.1% | 33.9% | 37.7% | 37.8% | 45.0% | 43.3% | 40.6% | 38.1% | 39.0% | 23.8% | 44.7% | 38.6% | 26.4% | 22.7% | 27.8% |
| EBIT | $120.49M | $28.14M | $-187.73M | $-333.74M | $-250.95M | $36.57M | $47.42M | $59.83M | $60.84M | $72.96M | $73.27M | $75.80M | $78.24M | $77.93M | $49.03M | $105.65M | $98.77M | $76.82M | $68.04M | — |
| Interest expense | $109.53M | $137.98M | $102.00M | $67.72M | $42.10M | $18.63M | $8.73M | $7.17M | $6.39M | $6.51M | $9.19M | $14.86M | $25.30M | $32.31M | $14.73M | $7.71M | $17.09M | $72.66M | $94.37M | $73.28M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $79.18M | $5.81M | $-138.41M | $-313.75M | $-250.95M | $36.57M | $47.42M | $172.07M | $40.45M | $45.87M | $46.99M | $41.20M | $59.49M | $58.32M | $37.27M | $79.89M | $73.93M | $58.67M | $53.41M | $77.48M |
| Net income growth (YoY) | — | -92.7% | -2484.0% | -126.7% | +20.0% | +114.6% | +29.7% | +262.9% | -76.5% | +13.4% | +2.5% | -12.3% | +44.4% | -2.0% | -36.1% | +114.3% | -7.5% | -20.6% | -9.0% | +45.1% |
| Profit margin | 21.8% | 1.5% | -38.6% | -104.1% | -119.7% | 18.9% | 25.1% | 88.5% | 21.2% | 24.1% | 23.4% | 19.2% | 25.6% | 26.3% | 14.5% | 30.7% | 26.7% | 18.4% | 15.7% | 21.4% |