Central Pacific Financial Corp. (CPF) Income Statement
CPF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCPF revenue and net income
Where CPF's revenue goes
2025Each bar shows an amount and its share of revenue. CPF kept 21.4% of revenue as net income.
CPF profit margins
CPF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +6.4% | +9.4% | +7.1% | +6.7% |
| Gross profit | +16.6% | +1.8% | +6.6% | +3.3% |
| Operating income | +48.0% | +0.6% | +15.5% | +3.3% |
| Net income | +45.1% | +1.6% | +15.8% | +5.4% |
| EPS (diluted) | +28.9% | +2.5% | +14.6% | +7.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CPF quarterly EPS vs estimates
Central Pacific Financial beat the analyst EPS estimate in 5 of the last 8 quarters. Next report: October 28, 2026 (estimate $0.87).
CPF income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $362.3M | $340.5M | $319.6M | $277.0M | $259.9M | $257.6M | $221.8M | $232.1M | $214.6M | $200.9M |
| Cost of revenue | $86.5M | $104.0M | $87.9M | $15.5M | −$7.1M | $56.8M | $38.7M | $23.2M | $11.7M | $2.1M |
| Gross profit | $275.8M | $236.5M | $231.7M | $261.5M | $267.0M | $200.8M | $221.8M | $209.0M | $202.9M | $198.8M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $102.9M | $98.2M | $94.1M | $102.4M | $102.6M | $87.6M | $101.6M | $94.6M | $91.8M | $93.0M |
| Total operating expenses | $175.1M | $168.4M | $154.9M | $162.7M | $161.3M | $151.7M | −$143.8M | $130.7M | $127.1M | $125.5M |
| Operating income | $100.7M | $68.0M | $76.8M | $98.8M | $105.7M | $49.0M | $77.9M | $78.2M | $75.8M | $73.3M |
| Interest income | $312.7M | $305.6M | $282.2M | $232.3M | $218.4M | $211.9M | $215.4M | $198.0M | $182.4M | $166.9M |
| Interest expense | $73.3M | $94.4M | $72.7M | $17.1M | $7.7M | $14.7M | $32.3M | $25.3M | $14.9M | $9.2M |
| Income before taxes | $98.3M | $68.0M | $76.8M | $98.8M | $105.7M | $49.0M | $77.9M | $78.2M | $75.8M | $73.3M |
| Income taxes | $20.8M | $14.6M | $18.2M | $24.8M | $25.8M | $11.8M | $19.6M | $18.8M | $34.6M | $26.3M |
| Net income | $77.5M | $53.4M | $58.7M | $73.9M | $79.9M | $37.3M | $58.3M | $59.5M | $41.2M | $47.0M |
| EBITDA | $108.6M | $77.2M | $84.5M | $106.9M | $116.1M | $61.4M | $86.5M | $88.4M | $87.2M | $87.1M |
| EPS (diluted) | $2.90 | $2.25 | $2.17 | $2.69 | $2.84 | $1.47 | $2.03 | $2.02 | $1.57 | $1.52 |
| Gross margin | 76.1% | 69.5% | 72.5% | 94.4% | 102.7% | 77.9% | 100.0% | 90.0% | 94.5% | 99.0% |
| Operating margin | 27.8% | 20.0% | 24.0% | 35.7% | 40.7% | 19.0% | 35.1% | 33.7% | 35.3% | 36.5% |
| Net margin | 21.4% | 15.7% | 18.4% | 26.7% | 30.7% | 14.5% | 26.3% | 25.6% | 19.2% | 23.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $42.0M | $87.5M | $93.1M | $92.2M | $89.9M | $87.1M | $80.0M | $89.4M | $86.6M | $84.5M | $83.6M | $81.0M |
| Cost of revenue | $18.0M | $18.0M | $16.8M | $22.8M | $23.3M | $23.6M | $23.0M | $26.8M | $26.1M | $28.1M | $27.6M | $25.3M |
| Gross profit | $24.0M | $69.5M | $76.3M | $69.4M | $66.6M | $63.5M | $57.1M | $62.6M | $60.5M | $56.4M | $56.1M | $55.7M |
| Sales, general & admin | $24.7M | $26.1M | $25.4M | $27.6M | $25.8M | $24.0M | $24.3M | $26.2M | $24.1M | $23.6M | $24.0M | $22.0M |
| Total operating expenses | $24.7M | $42.6M | $45.7M | $45.8M | $42.8M | $40.9M | $43.7M | $45.5M | $39.8M | $39.5M | $36.9M | $38.2M |
| Operating income | −$719,000 | $26.9M | $30.6M | $23.6M | $23.9M | $22.6M | $13.4M | $17.1M | $20.7M | $16.9M | $19.1M | $17.5M |
| Interest income | $78.3M | $76.7M | $78.5M | $79.6M | $77.7M | $76.9M | $77.8M | $77.8M | $75.7M | $74.3M | $74.0M | $72.3M |
| Interest expense | $15.9M | $15.7M | $16.8M | $18.7M | $18.3M | $19.5M | $22.2M | $24.0M | $23.9M | $24.2M | $23.0M | $20.5M |
| Income before taxes | $26.9M | $26.9M | $28.2M | $23.6M | $23.9M | $22.6M | $13.4M | $17.1M | $20.7M | $16.9M | $19.1M | $17.5M |
| Income taxes | $6.1M | $6.2M | $5.3M | $5.1M | $5.6M | $4.8M | $2.1M | $3.8M | $4.8M | $4.0M | $4.3M | $4.3M |
| Net income | $20.8M | $20.7M | $22.9M | $18.6M | $18.3M | $17.8M | $11.3M | $13.3M | $15.8M | $12.9M | $14.9M | $13.1M |
| EBITDA | $1.2M | $28.9M | $32.6M | $25.6M | $25.9M | $24.5M | $16.8M | $19.0M | $22.6M | $18.8M | $21.0M | $19.5M |
| EPS (diluted) | $0.80 | $0.78 | $0.85 | $0.73 | $0.67 | $0.65 | $0.70 | $0.49 | $0.58 | $0.48 | $0.55 | $0.49 |
| Gross margin | 57.1% | 79.4% | 82.0% | 75.3% | 74.1% | 72.9% | 71.3% | 70.0% | 69.8% | 66.7% | 67.0% | 68.7% |
| Operating margin | −1.7% | 30.7% | 32.9% | 25.6% | 26.5% | 25.9% | 16.7% | 19.1% | 23.9% | 20.0% | 22.9% | 21.6% |
| Net margin | 49.5% | 23.7% | 24.6% | 20.1% | 20.3% | 20.4% | 14.2% | 14.9% | 18.3% | 15.3% | 17.8% | 16.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CPF's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CPF financial results
In fiscal year 2025 (ended December 31, 2025), Central Pacific Financial reported revenue of $362.3 million, up 6.4% from the year before. It had net income of $77.5 million (up 45.1%), a net profit margin of 21.4%. Diluted earnings per share came to $2.90. Over five years revenue grew at an average rate of 7.1% a year.
See the CPF stock overview for the latest quote and news, or the CPF chart for price history and technical indicators.
CPF income statement FAQ
What is Central Pacific Financial's annual revenue?
Central Pacific Financial reported total revenue of $362.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 6.4% from $340.5 million the previous year.
Is Central Pacific Financial profitable?
Yes. Central Pacific Financial reported net income of $77.5 million in fiscal 2025, a net profit margin of 21.4%; its operating margin was 27.8%.
What is Central Pacific Financial's gross margin?
Central Pacific Financial's gross margin was 76.1% in fiscal 2025: for every $100 of revenue, Central Pacific Financial kept $76 after the direct cost of its products and services.
How fast is Central Pacific Financial growing?
Revenue grew 7.1% a year on average over the last five fiscal years, from $257.6 million to $362.3 million.
What are Central Pacific Financial's earnings per share?
Central Pacific Financial earned $2.90 per diluted share in fiscal 2025, compared with $2.25 a year earlier.
When will Central Pacific Financial report its next earnings?
Central Pacific Financial is expected to report results for the quarter ending September 30, 2026 on October 28, 2026 before the market opens.
When does Central Pacific Financial's fiscal year end?
Central Pacific Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.