CENTRAL PACIFIC FINANCIAL CORP

Listed Company

CPFCIK 0000701347NYSELarge AcceleratedState Commercial BanksHawaiiFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$77.48M

Total Assets

$7.41B

Equity

$592.58M

Shares Out

26.10M

Op. Cash Flow

$97.47M

CPF$39.07+35.07% · past yearDBEQ Basic

Daily closing prices

Business

Central Pacific Financial Corp. is a Hawaii-based bank holding company serving as the parent of Central Pacific Bank, a state-chartered bank. The Bank offers full-service commercial banking including deposit products, residential mortgages, commercial and industrial loans, commercial real estate loans, construction loans, and consumer loans, along with cash management, digital banking, and wealth management services. Operating 27 branches and 55 ATMs across Hawaii, the Bank derives income primarily from interest and fees on loans and investment securities, with a strategic focus on Hawaii retail and small business deposits, partnerships with Japanese and Korean financial institutions, and U.S. Mainland lending diversification.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	264	258	243	200	194
Taxable investment securities	39	33	29	28	22
Tax-exempt investment securities	3	3	3	3	2
Dividend income on investment securities	0	0	0	21,000	75,000
Deposits in other financial institutions	7	12	7	740,000	262,000
Dividend income on FRB and FHLB stock	1	509,000	478,000	370,000	245,000
Total interest income	314	306	283	233	219
Demand	2	2	2	806,000	384,000
Savings and money market	34	37	22	4	1
Time	30	46	39	6	2
Short-term borrowings	0	1,000	1	1	2,000
Long-term debt	7	9	9	5	4
Total interest expense	73	94	73	17	—
Net interest income	241	212	210	216	211
Provision (credit) for credit losses	16	10	16	−1	−15
Net interest income after provision for credit losses	225	202	194	217	226
Mortgage banking income	3	3	3	4	8
Service charges on deposit accounts	9	9	9	8	6
Other service charges and fees	24	23	21	19	18
Income from fiduciary activities	6	6	5	5	5
Income from bank-owned life insurance	7	7	5	2	3
Net loss on sales of investment securities	−30,000	−10	−2	9	200,000
Other	2	2	7	2	2
Other operating income	52	39	47	48	43
Salaries and employee benefits	94	86	82	89	90
Net occupancy	18	18	18	17	16
Equipment	4	4	4	4	4
Communication	3	3	3	3	3
Legal and professional services	11	10	10	11	10
Computer software	21	18	18	15	13
Advertising	3	4	4	4	5
Other	25	30	25	23	20
Total other operating expense	179	173	164	166	163
Income before income taxes	98	68	77	99	106
Income tax expense	21	15	18	25	26
Net income	77	53	59	74	80
Basic earnings per share (in dollars per share)	2.88	1.97	2.17	2.7	2.85
Diluted earnings per share (in dollars per share)	2.86	1.97	2.17	2.68	2.83
Cash dividends declared (in dollars per share)	1.09	1.04	1.04	1.04	0.96

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from financial institutions	88	78	116	97	82
Interest-bearing deposits in other financial institutions	290	303	406	15	247
Debt securities available-for-sale, at fair value	748	738	647	672	1,632
Debt securities held-to-maturity, at amortized cost; fair value of: $495,845 at December 31, 2025 and $506,681 at December 31, 2024	562	597	632	665	0
Total investment securities	1,311	1,335	1,280	1,337	1,632
Loans held for sale	1	6	2	1	—
Loans	5,289	5,333	5,439	—	—
Provision (credit) for credit losses on loans	60	59	64	64	68
Loans, net of allowance for credit losses	5,229	5,274	5,375	—	—
Premises and equipment, net	101	104	96	92	80
Accrued interest receivable	24	23	22	20	17
Investment in unconsolidated entities	61	52	42	47	30
Mortgage servicing rights, net	9	8	9	9	10
Bank-owned life insurance	181	176	171	168	169
"Federal Reserve Bank (""FRB"") and Federal Home Loan Bank of Des Moines (""FHLB"") stock"	26	7	7	9	8
Right-of-use lease assets	25	31	30	35	39
Other assets	64	75	89	111	68
Total assets	7,409	7,472	7,643	7,433	7,419
Noninterest-bearing demand	1,891	1,889	1,913	2,093	2,291
Interest-bearing demand	1,388	1,339	1,329	1,453	1,415
Savings and money market	2,347	2,329	2,210	2,199	2,226
Time	984	1,090	1,400	991	707
Total deposits	6,610	6,644	6,848	6,736	6,639
FHLB advances and other short-term borrowings	0	0	0	5	0
Long-term debt, net of unamortized debt issuance costs of $0 at December 31, 2025 and $202 at December 31, 2024	77	156	156	106	106
Lease liabilities	26	32	31	36	41
Accrued interest payable	7	10	19	5	—
Other liabilities	98	91	86	92	75
Total liabilities	6,817	6,934	7,139	6,980	6,861
Contingent liabilities and other commitments (see Note 19)	—	—	—	—	—
Preferred stock, no par value, authorized 1,000,000 shares; issued and outstanding: none at December 31, 2025, and December 31, 2024	0	0	0	0	0
Common stock, no par value, authorized 185,000,000 shares; issued and outstanding 26,374,967 and 27,065,570 shares at December 31, 2025 and 2024, respectively	381	404	405	408	426
Additional paid-in capital	107	105	103	101	98
Retained earnings	191	143	118	87	42
Accumulated other comprehensive loss	−87	−114	−123	−144	−8
Total shareholders' equity	593	538	504	453	558
Total liabilities and equity	7,409	7,472	7,643	7,433	7,419

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization of premises and equipment	7	7	7	7	7
Loss on disposal of premises and equipment	2	56,000	−5	295,000	101,000
Non-cash lease expense (benefit)	0	159,000	13,000	−401,000	2
Cash flows from operating leases	−5	−5	−5	−6	−7
Amortization of mortgage servicing rights	843,000	776,000	705,000	1	—
Net amortization of premium (accretion of discount) on investment securities	−1	2	3	4	9
Share-based compensation	2	2	2	3	3
Net gain on sales of residential mortgage loans	−2	−1	−721,000	−2	−6
Proceeds from sales of loans held for sale	104	68	40	80	166
Origination of loans held for sale	−98	−71	−40	−76	−147
Equity in (earnings) losses of unconsolidated entities	−106,000	21,000	22,000	−184,000	−365,000
Distributions from unconsolidated entities	941,000	0	51,000	237,000	480,000
Net increase in cash surrender value of bank-owned life insurance	−7	−7	−5	−10,000	−5
Deferred income tax expense	−15	9	11	26	11
Net tax benefit from share-based compensation	270,000	57,000	154,000	146,000	200,000
Amortization and impairment of intangible assets	0	1	39,000	0	3
Net change in other assets and liabilities	16	11	21	12	7
Net cash provided by operating activities	97	91	105	114	110
Purchases of investment securities available-for-sale	−51	−254	−47	−89	−1,071
Proceeds from maturities, prepayments and calls of investment securities available-for-sale	75	57	60	168	292
Proceeds from sales of investment securities available-for-sale	1	97	29	9	281
Proceeds from maturities, prepayments and calls of investment securities held-to-maturity	40	42	39	33	0
Loan payments (originations), net	131	132	111	−134	129
Purchases of loan portfolios	−100	−49	−20	−323	−267
Proceeds from sales of loans originated for investment	0	9	10	0	0
Purchases of bank-owned life insurance	−1	−3	0	−1	−4
Proceeds from bank-owned life insurance death benefits	4	4	3	2	3
Net purchases of premises, equipment and land	−5	−15	−13	−18	−22
Proceeds from sales of premises, equipment and land	0	0	6	0	0
Net return of capital from unconsolidated entities	0	0	495,000	0	0
Contributions to unconsolidated entities	−10	−19	−2	−10	−3
Net proceeds from (purchases) redemption of FRB and FHLB stock	−19	−136,000	2	−1	273,000
Net cash provided by investing activities	67	654,000	180	−384	−662
Net (decrease) increase in deposits	−34	−204	111	97	843
Net decrease in FHLB advances and other short-term borrowings	0	0	−5	5	−22
Proceeds from long-term debt	0	0	50	0	0
Repayments of long-term debt	−80	0	0	0	0
Cash dividends paid on common stock	−29	−28	−28	−29	−27
Repurchases of common stock and other related costs	−23	−945,000	−3	−21	−19
Net cash (used in) provided by financing activities	−167	−233	126	53	777
Net (decrease) increase in cash and cash equivalents	−2	−141	410	−217	225
Interest expense paid	70	103	58	13	8
Income taxes (received) paid, net	21	−9	7	6	—
Lease liabilities arising from obtaining right-of-use lease assets	3	5	0	0	0
Amortization of unrealized losses on investment securities transferred to held-to-maturity at fair value	7	7	7	4	0
Other intangible assets received in exchange for Swell common stock	0	0	2	0	0

Filings

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Frequently asked questions

What is CENTRAL PACIFIC FINANCIAL CORP's CIK number?

CENTRAL PACIFIC FINANCIAL CORP's SEC CIK number is 0000701347 (701347). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find CENTRAL PACIFIC FINANCIAL CORP's SEC filings?

All of CENTRAL PACIFIC FINANCIAL CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did CENTRAL PACIFIC FINANCIAL CORP last report earnings?

CENTRAL PACIFIC FINANCIAL CORP (CPF) most recently filed an earnings 8-K with the SEC on Apr 29, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000701347-26-000025). This is CENTRAL PACIFIC FINANCIAL CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is CENTRAL PACIFIC FINANCIAL CORP's most recent earnings 8-K?

CENTRAL PACIFIC FINANCIAL CORP's latest earnings 8-K (Item 2.02) was filed Apr 29, 2026 under accession 0000701347-26-000025. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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