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Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $289M | - | $77M | $92M | 13.1% | 17.2% | 45.1% |
| 2024 | $246M | - | $53M | $75M | 9.9% | -0.3% | -9.0% |
| 2023 | $247M | - | $59M | $92M | 11.6% | -5.0% | -20.6% |
| 2022 | $260M | - | $74M | $96M | 16.3% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 259.95 | 246.97 | 246.11 | 288.56 |
| Pretax Income | - | 98.77 | 76.82 | 68.04 | 98.28 |
| Tax Provision | - | 24.84 | 18.15 | 14.63 | 20.80 |
| Net Income | - | 73.93 | 58.67 | 53.41 | 77.48 |
| Net Income Common Stockholders | - | 73.93 | 58.67 | 53.41 | 77.48 |
| Interest Expense | - | 17.09 | 72.66 | 94.37 | 73.28 |
| Interest Income | - | 232.26 | 282.18 | 305.59 | 312.67 |
| Selling General And Administration | - | 102.37 | 94.11 | 98.16 | 105.38 |
| Normalized Income | - | 74.39 | 56.50 | 53.46 | 78.68 |
| Market Cap | 899.11 | 899.11 | 899.11 | 899.11 | 899.11 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Central Pacific Financial Corp.this co. | CPF | - | 11.60↓ discount | 1.52 | 13.1% | - |
| Silvercrest Asset Management Group Inc. | SAMG | $107M | 23.59 | 2.04 | 5.8% | 9.86 |
| Sound Financial Bancorp, Inc. | SFBC | $98M | 14.04 | 0.96 | 6.5% | - |
| Kestrel Group Ltd | KG | $89M | 1.12 | 0.58 | 36.4% | - |
| Vroom, Inc. | VRM |
| - |
| - |
| - |
| - |
| - |
| - |
| $80M |
| - |
| 0.69 |
| -45.5% |
| 57.65 |
| Siebert Financial Corp. | SIEB | $72M | 13.46 | 0.79 | 5.7% | - |
| eHealth, Inc. | EHTH | $62M | - | 0.10 | 6.8% | 7.11 |
| MarketWise, Inc. | MKTW | $47M | 7.64 | -3.69 | -2.6% | -3.48 |
| GoHealth, Inc. | GOCO | $31M | - | 0.45 | 4834.1% | -7.69 |
| Peer Median | - | 13.46 | 0.63 | 6.1% | 7.11 | |