Central Pacific Financial Past Earnings Performance
Past criteria checks 4/6
Central Pacific Financial's earnings have been declining at an average annual rate of -0.6%, while the Banks industry saw earnings growing at 3% annually. Revenues have been growing at an average rate of 0.9% per year. Central Pacific Financial's return on equity is 13.5%, and it has net margins of 28.4%.
Key information
-0.59%
Earnings growth rate
0.38%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 0.89% |
| Return on equity | 13.55% |
| Net Margin | 28.43% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Narrative Update • Apr 28
CPF: Buybacks And Dividend Increases Will Support Steady Fairly Valued Returns
Analysts maintained their fair value estimate for Central Pacific Financial at $37.00, citing consistent assumptions for discount rate, revenue growth, profit margin and future P/E that support keeping the price target unchanged. What's in the News From October 1, 2025 to December 31, 2025, Central Pacific Financial repurchased 529,613 shares, or 1.97% of shares, for US$16.32 million, completing a total of 788,261 shares, or 2.93%, repurchased for US$23.37 million under the buyback announced on January 29, 2025 (Key Developments).Narrative Update • Apr 14
CPF: Share Repurchases And Dividend Increases Will Support Steady Future Returns
Analysts have nudged their price target on Central Pacific Financial down by $0.50 to $37.00, reflecting slightly adjusted assumptions for fair value, profit margin, revenue growth and future P/E that keep the overall outlook largely intact. What's in the News Net charge offs for the quarter ended December 31, 2025 totaled $2.5 million, compared with $2.7 million in the prior quarter and $3.8 million in the same quarter a year earlier, with annualized net charge offs at 0.18% of average loans, versus 0.20% and 0.29% in those periods (Key Developments).Narrative Update • Mar 30
CPF: New Buyback Authorization Will Support Future Upside Potential
Analysts have maintained their price target for Central Pacific Financial at $37.50, reflecting unchanged assumptions regarding fair value, discount rate, revenue growth, profit margins, and future P/E expectations. What's in the News Between October 1, 2025 and December 31, 2025, Central Pacific Financial repurchased 529,613 shares, representing 1.97% of shares, for a total of US$16.32 million, completing a total of 788,261 shares repurchased, or 2.93%, for US$23.37 million under the buyback announced on January 29, 2025 (company disclosure).Narrative Update • Mar 16
CPF: Expanded Buybacks And Higher Dividend Will Support Future Upside Potential
Analysts have kept their price target for Central Pacific Financial steady at $37.50, reflecting unchanged assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E multiple. What's in the News New share repurchase program authorizes Central Pacific Financial Corp.Narrative Update • Mar 02
CPF: Share Repurchases And Dividend Increases Will Drive Future Upside Potential
Analysts reaffirmed their $37.50 price target for Central Pacific Financial, citing largely unchanged assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E as support for maintaining their view. What's in the News The board has authorized a share repurchase program for Central Pacific Financial Corp.Narrative Update • Feb 16
CPF: Future Buybacks And Dividend Increases Will Support Balanced Return Outlook
Analysts have made only a minor adjustment to their outlook on Central Pacific Financial, keeping the fair value estimate steady at $37.50 while slightly refining assumptions around the discount rate, revenue growth, profit margin, and future P/E to reflect updated modeling. What's in the News The Board of Directors authorized a new share repurchase plan on January 27, 2026, giving the company approval to buy back its stock (Key Developments).Narrative Update • Feb 02
CPF: Shareholder Returns Will Strengthen On Dividend Increase And Buyback Program
Analysts have lifted their price target for Central Pacific Financial to US$37.50 from US$35.00, citing updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E, which together inform a slightly higher long term valuation profile. What's in the News The board declared a quarterly cash dividend of US$0.29 per share on January 27, 2026, up from US$0.28 in the fourth quarter of 2025, payable March 16, 2026 to shareholders of record on February 27, 2026 (company announcement).Analysis Article • Nov 10
Central Pacific Financial (NYSE:CPF) Will Pay A Larger Dividend Than Last Year At $0.28
The board of Central Pacific Financial Corp. ( NYSE:CPF ) has announced that it will be paying its dividend of $0.28 on...Analysis Article • Nov 01
Central Pacific Financial Corp. (NYSE:CPF) Analysts Are Pretty Bullish On The Stock After Recent Results
Central Pacific Financial Corp. ( NYSE:CPF ) shareholders are probably feeling a little disappointed, since its shares...Narrative Update • Aug 22
Experienced Leadership And Hawaii Market Focus Will Drive Future Success
Despite a marked slowdown in forecast revenue growth, Central Pacific Financial’s consensus future P/E has risen substantially, indicating a multiple expansion which underpins the significant increase in the analyst price target to $35.00. What's in the News Amended and restated bylaws adopted, enhancing procedural mechanics and disclosure for shareholder nominations and proposals, detailing powers for regulating meetings, clarifying voting standards, and requiring director candidates to be available for board interviews.Seeking Alpha • Aug 21
Central Pacific Financial: Continued Margin Expansion To Drive Earnings
Summary The net interest margin will likely continue to grow because of (i) anticipated Fed funds rate cuts and (ii) continued deposit mix shift. There are several deals in the pipeline, which will boost the loan book in 3Q’25. However, weakness in the tourism industry bodes ill for loan growth. I’m raising my EPS estimate to $2.61 for 2025 from my previous estimate of $2.30. I’m adopting a hold rating based on a price downside of 4.7% and dividend yield of 3.8%. Read the full article on Seeking AlphaAnalysis Article • Nov 02
Central Pacific Financial (NYSE:CPF) Has Affirmed Its Dividend Of $0.26
The board of Central Pacific Financial Corp. ( NYSE:CPF ) has announced that it will pay a dividend of $0.26 per share...Seeking Alpha • Oct 12
Central Pacific Financial: Positive Earnings Outlook Seems Priced-In, Downgrading To Hold
Summary Interest rate cuts will help lower deposit competition and the pressure on deposit rates. As a result, the downward loan trend can finally turn around. I’m expecting earnings to grow by 1% in 2024 and 10% in 2025. The December 2025 target price suggests a small downside from the current market price. Additionally, CPF is offering a decent dividend yield. Read the full article on Seeking Alpha
New Narrative • Sep 24
Expanding Net Interest Margins And Critical Core Growth Elevate Bank's Prospects Amid Economic Shifts
Expansion in net interest margin and core deposit growth indicate operational efficiency and enhanced liquidity, suggesting positive future earnings and margin improvements.Analysis Article • Aug 15
Central Pacific Financial's (NYSE:CPF) Dividend Will Be $0.26
Central Pacific Financial Corp.'s ( NYSE:CPF ) investors are due to receive a payment of $0.26 per share on 16th of...Analysis Article • Oct 29
Central Pacific Financial (NYSE:CPF) Is Due To Pay A Dividend Of $0.26
Central Pacific Financial Corp. ( NYSE:CPF ) will pay a dividend of $0.26 on the 15th of December. The dividend yield...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How Central Pacific Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 283 | 80 | 154 | 0 |
| 31 Dec 25 | 277 | 77 | 154 | 0 |
| 30 Sep 25 | 261 | 66 | 150 | 0 |
| 30 Jun 25 | 254 | 61 | 147 | 0 |
| 31 Mar 25 | 248 | 58 | 144 | 0 |
| 31 Dec 24 | 241 | 53 | 142 | 0 |
| 30 Sep 24 | 245 | 57 | 140 | 0 |
| 30 Jun 24 | 238 | 57 | 137 | 0 |
| 31 Mar 24 | 235 | 55 | 137 | 0 |
| 31 Dec 23 | 241 | 59 | 139 | 0 |
| 30 Sep 23 | 247 | 64 | 141 | 0 |
| 30 Jun 23 | 254 | 68 | 144 | 0 |
| 31 Mar 23 | 264 | 71 | 146 | 0 |
| 31 Dec 22 | 265 | 74 | 143 | 0 |
| 30 Sep 22 | 270 | 76 | 143 | 0 |
| 30 Jun 22 | 274 | 80 | 143 | 0 |
| 31 Mar 22 | 271 | 81 | 143 | 0 |
| 31 Dec 21 | 269 | 80 | 143 | 0 |
| 30 Sep 21 | 256 | 70 | 143 | 0 |
| 30 Jun 21 | 233 | 56 | 139 | 0 |
| 31 Mar 21 | 216 | 47 | 134 | 0 |
| 31 Dec 20 | 200 | 37 | 132 | 0 |
| 30 Sep 20 | 196 | 39 | 129 | 0 |
| 30 Jun 20 | 204 | 47 | 128 | 0 |
| 31 Mar 20 | 210 | 51 | 127 | 0 |
| 31 Dec 19 | 220 | 58 | 124 | 0 |
| 30 Sep 19 | 219 | 60 | 123 | 0 |
| 30 Jun 19 | 219 | 61 | 121 | 0 |
| 31 Mar 19 | 216 | 61 | 118 | 0 |
| 31 Dec 18 | 213 | 59 | 117 | 0 |
| 30 Sep 18 | 209 | 48 | 116 | 0 |
| 30 Jun 18 | 206 | 45 | 115 | 0 |
| 31 Mar 18 | 206 | 42 | 114 | 0 |
| 31 Dec 17 | 206 | 41 | 113 | 0 |
| 30 Sep 17 | 205 | 49 | 114 | 0 |
| 30 Jun 17 | 204 | 49 | 114 | 0 |
| 31 Mar 17 | 203 | 49 | 113 | 0 |
| 31 Dec 16 | 201 | 47 | 113 | 0 |
| 30 Sep 16 | 194 | 46 | 109 | 0 |
| 30 Jun 16 | 195 | 46 | 111 | 0 |
| 31 Mar 16 | 197 | 47 | 109 | 0 |
| 31 Dec 15 | 199 | 46 | 107 | 0 |
| 30 Sep 15 | 205 | 48 | 108 | 0 |
| 30 Jun 15 | 202 | 44 | 105 | 0 |
Quality Earnings: CPF has high quality earnings.
Growing Profit Margin: CPF's current net profit margins (28.4%) are higher than last year (23.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CPF's earnings have declined by 0.6% per year over the past 5 years.
Accelerating Growth: CPF's earnings growth over the past year (38.2%) exceeds its 5-year average (-0.6% per year).
Earnings vs Industry: CPF earnings growth over the past year (38.2%) exceeded the Banks industry 23.2%.
Return on Equity
High ROE: CPF's Return on Equity (13.5%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/31 08:33 |
| End of Day Share Price | 2026/05/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Central Pacific Financial Corp. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Joseph Gladue | B. Riley Securities, Inc. |
| Kelly Motta | Keefe, Bruyette, & Woods |
| John Moran | Macquarie Research |