tradmap

CPF Financials CENTRAL PACIFIC FINANCIAL CORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 4.7% per year over the past 5 years.
  • Net income has grown faster than revenue (15.8% vs 4.7% per year).
  • Free cash flow has grown 12.7% per year over the past 5 years.

Financial health

  • The company holds more cash ($379M) than total debt ($77M).
  • Total debt has grown faster than revenue (28.3% vs 4.7% per year).

Shareholder returns

  • Dividends have been paid for 13 consecutive years, consuming 37.9% of earnings and 31.8% of free cash flow.
  • The dividend has grown 2.5% per year over the past 5 years.
Revenue & net income
$0 $86M $172M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 93% 186% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $50M $100M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $261M $522M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$687M $45M $777M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $52M $77M 0.0% 0.0% $92M $77M $379M
2024 $39M $53M 0.0% 0.0% $75M $156M $381M
2023 $47M $59M 0.0% 0.0% $92M $156M $522M
2022 $48M $74M 0.0% 0.0% $96M $111M $112M
2021 $43M $80M 0.0% 0.0% $88M $106M $329M
2020 — $37M — — $51M $22M $104M
2019 — $58M — — $65M $252M $103M
2018 — $59M — — $100M $319M $102M
2017 — $41M — — $90M $125M $82M
2016 — $47M — — — $228M $84M
2015 — $46M — — — $162M —
2014 — $40M — — — $131M —
2013 — $172M — — — $101M —
2012 — $47M — — — $108M —
2011 — $37M — — $22M $158M —

Valuation over time

How the market has priced CPF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 7.7 15.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 10.6 21.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 3.7 7.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is CPF growing its revenue and profit?

Over the past 5 years, CENTRAL PACIFIC FINANCIAL CORP's revenue has grown 4.7% per year, and net income grown 15.8% per year. These are computed facts, not advice.

How much debt does CPF have?

As of FY2025, CENTRAL PACIFIC FINANCIAL CORP reported $77M of total debt against $379M of cash.

What is CPF's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 149.5%.

What is CPF's P/E ratio?

As of Jun '26, CENTRAL PACIFIC FINANCIAL CORP traded at a price-to-earnings ratio of about 12.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.