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CENTRAL PACIFIC FINANCIAL CORP

CPF

$38.77 ▼ -0.53 (-1.35%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CENTRAL PACIFIC FINANCIAL CORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.0B

Dividend Yield 2.81%

Revenue Growth 16.9% ↗

Op. Margin 33.6% ↗

ROIC None

FCF / Share None

Trailing P/E 13.5x

Price / Book 1.7x

FCF Yield —

Debt / Equity 0.13

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$292.70M

↑ +16.9% —

Net Income Profit after all expenses

$77.48M

↑ +45.1% —

Operating Margin Operating profit as % of sales

33.6%

↑ +23.6% 89th

Long-Term Debt Long-term obligations

$76.55M

↓ -51.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.09 Latest / share

+4.8% YoY

+10.6% 12-yr CAGR

$0.36

FY 2014

$0.82

FY 2015

$0.60

FY 2016

$0.70

FY 2017

$0.82

FY 2018

$0.90

FY 2019

$0.92

FY 2020

$0.96

FY 2021

$1.04

FY 2022

$1.04

FY 2023

$1.04

FY 2024

$1.09

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+181%)	-2.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-140%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	7.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+44%)	-1.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-126%)	-0.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	-4.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-173%)	-24.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-504%)	—	—
EPS Growth YoY (%)	46.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-9.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	114.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-35.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	48.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	31.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-73.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	259.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-66.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	22.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	45.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.0% Weak ↓ Weak Declining Year-over-year change in net income	-20.6% Weak ↓ Weak Declining Year-over-year change in net income	-7.5% Weak ↓ Weak Declining Year-over-year change in net income	114.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.1% Weak ↓ Weak Declining Year-over-year change in net income	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	44.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.3% Weak ↑ Weak Improving Year-over-year change in net income	2.5% Caution ↓ Caution Declining Year-over-year change in net income	13.4% Fair ↓ Fair Declining Year-over-year change in net income	-76.5% Weak ↓ Weak Declining Year-over-year change in net income	262.9% Excellent ↑ Excellent Improving Year-over-year change in net income	29.7% Excellent Excellent Year-over-year change in net income	N/M	20.0% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.3% Fair → Fair Stable Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.1% Caution → Caution Stable Compound annual revenue growth over 3 years	0.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.3% Caution Caution Compound annual revenue growth over 3 years	-8.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.8% Caution → Caution Stable Compound annual revenue growth over 5 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.4% Caution → Caution Stable Compound annual revenue growth over 5 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Weak Weak Compound annual revenue growth over 5 years	-4.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-11.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	12.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-28.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.6% Fair Fair Compound annual EPS growth over 3 years	-31.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	33.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	27.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	29.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	37.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	41.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	20.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	34.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	36.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	37.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	36.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	32.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	31.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	21.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	-142.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-671%)	-143.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-676%)	—
Effective Tax Rate (%) (%)	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	45.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-187.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	0.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	21.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	25.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	28.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	20.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	23.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	21.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	91.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+316%)	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-142.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-749%)	-135.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-715%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	-6.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	13.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	11.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	26.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+117%)	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.48x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.65x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.23x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.35x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	10.03x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+736%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.87	$9.26	$9.50	$9.62	$9.07	$8.65	$7.93	$7.20	$6.72	$6.46	$5.72	$5.01	$4.48	$4.33	—	—	—	—
Basic EPS, GAAP (USD)	$2.88	$1.97	$2.17	$2.70	$2.85	$1.33	$2.05	$2.02	$1.36	$1.52	$1.42	$1.08	$4.10	$1.14	$3.36	$-171.13	$-220.56	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.09	$1.04	$1.04	$1.04	$0.96	$0.92	$0.90	$0.82	$0.70	$0.60	$0.82	$0.36	$0.16	—	—	—	—	—
Book Value per Share (USD)	$22.47	$19.89	$18.63	$16.76	$20.14	$19.40	$18.68	$16.97	$16.65	$16.39	$15.77	$16.12	$15.68	$12.06	$10.93	$43.26	—	—
Tangible Book Value per Share (USD)	$22.47	$19.84	$18.57	$16.76	$20.14	$19.40	$18.68	$16.97	$16.65	$16.39	$15.77	$16.12	$15.68	$12.06	$9.93	$14.02	—	—
Basic Weighted Avg Shares (shares)	26.93M	27.06M	27.03M	27.40M	28.00M	28.07M	28.50M	29.41M	30.40M	31.01M	32.24M	37.37M	41.96M	41.72M	—	—	—	—
Dividend Payout Ratio (%)	37.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	47.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	69.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	57.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	3.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$76.55M	$156.34M	$156.10M	$105.86M	$105.62M	$105.39M	$101.55M	$122.17M	$92.78M	$92.78M	$92.78M	$92.78M	$92.80M	$108.28M	$158.30M	$459.80M	—	—
Total Equity (USD)	$592.58M	$538.38M	$503.81M	$452.87M	$558.22M	$546.68M	$528.52M	$491.73M	$500.01M	$504.65M	$494.61M	$568.04M	$660.11M	$504.82M	$456.44M	$66.05M	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$292.70M	$250.46M	$256.66M	$263.48M	$254.11M	$242.88M	$225.88M	$211.80M	$204.20M	$200.27M	$184.33M	$187.24M	$188.05M	$180.45M	$168.00M	$175.69M	$231.94M	—
Net Income, GAAP (USD)	$77.48M	$53.41M	$58.67M	$73.93M	$79.89M	$37.27M	$58.32M	$59.49M	$41.20M	$46.99M	$45.87M	$40.45M	$172.07M	$47.42M	$36.57M	$-250.95M	$-313.75M	—
Operating Cash Flow (USD)	$97.47M	$90.52M	$105.11M	$114.12M	$110.49M	$76.79M	$72.19M	—	—	—	—	—	—	—	$23.12M	$221.43M	$131.07M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	2.8%	2.7%	2.9%	2.8%	3.0%	3.1%	3.0%	3.0%	2.9%	2.9%	3.0%	2.8%	2.7%	2.9%	3.0%	—	—
Efficiency Ratio (%) (%)	61.1%	68.9%	64.0%	63.0%	64.2%	62.5%	62.7%	63.6%	64.2%	66.7%	68.9%	70.9%	74.2%	84.2%	102.5%	152.0%	93.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

CENTRAL PACIFIC FINANCIAL CORP

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