Central Pacific Financial Corp (CPF)
Central Pacific Financial Corp brought in $52.8M of revenue over the twelve months to September 30, 2026, up 31.1% from a year earlier. Net income was $87.2M, a net margin of 165.3%. Operating cash flow minus capital spending left $92.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $359.4M in cash against $76.5M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 28, 2026.
Key facts about Central Pacific Financial Corp
- Net worth
- Central Pacific Financial Corp has a market value (market cap) of $1B at the latest share price, and shareholders' equity of $581.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $97.5M of cash; after $5.2M of capital spending, free cash flow was $92.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 28, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Central Pacific Financial Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Central Pacific Financial Corp declared dividends of $1.09 per share in fiscal 2025, a yield of 2.79% at the current price.
What Central Pacific Financial Corp does
Central Pacific Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NYSE under the ticker CPF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $51.8M | $77.5M | $2.86 | $92.3M |
| 2024 | $38.7M | $53.4M | $1.97 | $75.4M |
| 2023 | $46.7M | $58.7M | $2.17 | $92.5M |
| 2022 | $47.9M | $73.9M | $2.68 | $95.7M |
| 2021 | $43.1M | $79.9M | $2.83 | $88.3M |
| 2020 | $23.8M | $37.3M | $1.32 | $50.8M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CPF ranks in Finance
Dividends
Central Pacific Financial Corp declared $1.09 per share in fiscal 2025. At the current price that is a yield of 2.79%. It paid out $29.4M in cash dividends, 38% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.09 | $29.4M | 38% |
| 2024 | $1.04 | $28.1M | 53% |
| 2023 | $1.04 | $28.1M | 48% |
| 2022 | $1.04 | $28.5M | 39% |
| 2021 | $0.96 | $27M | 34% |
| 2020 | $0.92 | $25.9M | 70% |
Latest SEC filings
What Central Pacific Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 28, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 8.5% to $12.4M versus the same quarter last year; diluted EPS $0.88 versus $0.69.
- October 28, 2026
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 12% to $14.6M versus the same quarter last year; diluted EPS $0.80 versus $0.67.
- July 24, 2026
- July 2, 2026
- June 25, 2026
- May 4, 2026
- April 29, 2026Passive stake (5% or more) SCHEDULE 13G
- April 29, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 4.3% to $11.6M versus the same quarter last year; diluted EPS $0.78 versus $0.65.
- April 29, 2026
What is CPF worth? A DCF from its reported cash flow
Insider trades
What the people running Central Pacific Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 7, 2026 | Martines Arnold DChairman, President & CEO | Gave as a gift | 2,750 | - |
| May 15, 2026 | Kindred Jonathan BDirector | Received as pay | 2,228 | $75K |
| May 15, 2026 | Kosasa PaulDirector | Received as pay | 1,857 | $62.5K |
| May 15, 2026 | Lutes ChristopherDirector | Received as pay | 2,080 | $70K |
| May 15, 2026 | Nobriga RobertDirector | Received as pay | 2,303 | $77.5K |
| May 15, 2026 | Paloma Diane S.L.Director | Received as pay | 2,080 | $70K |
| May 15, 2026 | Fujimoto JasonDirector | Received as pay | 1,857 | $62.5K |
| February 17, 2026 | Martines Arnold DChairman, President & CEO | Received as pay | 13,384 | - |
Who owns CPF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Zaitzeff Michael13D, may seek influence with 6 related filers | 9.2% | January 29, 2026 |
| Vanguard Capital Management13G, passive | 5.01% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 203 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,848,723 | -39,160 |
| HoldCo Asset Management, LP | 2,427,576 | 0 |
| State Street Corp | 1,294,817 | +27,376 |
| Dimensional Fund Advisors LP | 1,232,554 | -6,382 |
| Vanguard Capital Management LLC | 1,118,313 | -11,596 |
| American Century Companies Inc | 983,800 | +83,055 |
| Charles Schwab Investment Management Inc | 925,649 | +72,263 |
| Vanguard Portfolio Management LLC | 788,991 | +48,339 |
| Geode Capital Management, LLC | 749,428 | +34,603 |
| Basswood Capital Management, L.L.C. | 670,238 | -61,295 |
| Renaissance Technologies LLC | 506,400 | -52,990 |
| Nuveen, LLC | 444,427 | +11,168 |
| Morgan Stanley | 408,328 | +14,924 |
| Manufacturers Life Insurance Company, The | 351,686 | -2,324 |
| Northern Trust Corp | 328,671 | +17,512 |
| Bank of New York Mellon Corp | 312,192 | +1,108 |
| Two Sigma Investments, LP | 305,395 | -40,349 |
| Qube Research & Technologies Ltd | 304,269 | +18,301 |
| Fmr LLC | 291,644 | +25,042 |
| Invesco Ltd. | 242,187 | +14,118 |
Insiders
10 insiders reported holding 153,642 shares in total, about $6M at the last price.
| Holder | Shares |
|---|---|
| Kosasa PaulDirector | 74,569 |
| Lutes ChristopherDirector | 23,684 |
| Kindred Jonathan BDirector | 16,178 |
| Fujimoto JasonDirector | 12,192 |
| Nobriga RobertDirector | 8,580 |
| Paloma Diane S.L.Director | 4,870 |
| Mesick RalphSenior EVP, CRO | 4,542 |
| Morimoto DavidVice Chairman & COO | 4,375 |
| Martines Arnold DChairman, President & CEO | 3,940 |
| Matsumoto Dayna NEVP, CFO | 712 |
Questions about CPF
What does Central Pacific Financial Corp do?
Central Pacific Financial Corp is a company in the Finance sector, listed on NYSE as CPF. Its shares trade on NYSE under the ticker CPF.
What is Central Pacific Financial Corp's net worth?
Central Pacific Financial Corp has a market value (market cap) of $1B at the latest share price, and shareholders' equity of $581.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Central Pacific Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $87.2M on revenue of $52.8M, a net margin of 165.3%.
How much revenue does Central Pacific Financial Corp make?
Over the twelve months to September 30, 2026 Central Pacific Financial Corp reported revenue of $52.8M. That is 31.1% more than a year earlier.
When did Central Pacific Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 28, 2026. It covers the period to September 30, 2026.
When is Central Pacific Financial Corp's next earnings report?
Central Pacific Financial Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Central Pacific Financial Corp pay a dividend?
Yes. Central Pacific Financial Corp declared dividends of $1.09 per share in fiscal 2025, a yield of 2.79% at the current price.
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Where the numbers come from
Financial figures are the values Central Pacific Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.