CPF
CENTRAL PACIFIC FINANCIAL CORP
NYSE · Financial Services · Banks - Regional · US
$39.46
+2.56%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 315.6M | 362.3M | 340.5M | 319.6M | 277.0M |
| Cost of Revenue | 70.9M | 86.5M | 104.0M | 87.9M | 15.5M |
| Gross Profit | 244.7M | 275.8M | 236.5M | 231.7M | 261.5M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 112.7M | 102.9M | 98.2M | 94.1M | 102.4M |
| General & Admin Expense | 109.2M | 98.2M | 92.5M | 88.2M | 96.7M |
| Selling & Marketing Expense | 3.5M | 4.7M | 5.6M | 5.9M | 5.7M |
| Other Expenses | 45.1M | 72.2M | 70.3M | 60.8M | 60.4M |
| Total Operating Expenses | 157.7M | 175.1M | 168.4M | 154.9M | 162.7M |
| Cost and Expenses | 228.7M | 261.6M | 272.4M | 242.8M | 178.3M |
| Operating Income (EBIT) | 87.0M | 100.7M | 68.0M | 76.8M | 98.8M |
| Non-Operating | |||||
| Interest Income | 159.5M | 313.1M | 305.6M | 282.2M | 232.3M |
| Interest Expense | 64.5M | 73.3M | 94.4M | 72.7M | 17.1M |
| Net Interest Income | 95.0M | 239.8M | 211.2M | 209.5M | 215.2M |
| Other Non-Op Income/Expense | 25.2M | (2.4M) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 112.2M | 98.3M | 68.0M | 76.8M | 98.8M |
| Income Tax Expense | 25.0M | 20.8M | 14.6M | 18.2M | 24.8M |
| Bottom Line | |||||
| Net Income | 87.2M | 77.5M | 53.4M | 58.7M | 73.9M |
| Earnings from Cont. Ops | 87.2M | 77.5M | 53.4M | 58.7M | 73.9M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 87.2M | 77.5M | 53.4M | 58.7M | 73.9M |
| Per Share | |||||
| Basic EPS | $3.34 | $2.87 | $1.97 | $2.17 | $2.70 |
| Diluted EPS | $3.31 | $2.87 | $1.97 | $2.17 | $2.68 |
| Revenue Per Share | $12.29 | $13.51 | $12.58 | $11.83 | $10.11 |
| Shares | |||||
| Basic Shares Outstanding | 25.7M | 26.8M | 27.1M | 27.0M | 27.4M |
| Diluted Shares Outstanding | 25.8M | 26.8M | 27.2M | 27.1M | 27.6M |
| Profitability Metrics | |||||
| EBITDA | 92.9M | 108.6M | 77.2M | 84.5M | 106.9M |
| D&A | 5.9M | 7.9M | 9.1M | 7.6M | 8.2M |
| EBIT | 87.0M | 100.7M | 68.0M | 76.8M | 98.8M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026