CPF FINANCIAL STATEMENTS

Central Pacific Financial Corp — balance sheet, income statement and cash flow trends

CPFCentral Pacific Financial Corp

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value itDuel

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
0100 M200 M300 M202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue362.8 M $Gross Profit281.8 M $ · 78%Operating Income105 M $ · 29%Pre-tax Income102.6 M $ · 28%Net Income80.4 M $ · 22%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue362.8 M $+5.7%
Gross Profit281.8 M $+15.7%
Operating Income105 M $+42.6%
EBITDA113 M $+36.5%
Net Income80.4 M $+38.2%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
CPF———22.2%
SKBNK———14.2%
LLOY———25.9%
LB———1.4%
NWG———20.1%
TSKB———54.9%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
02.5 B5 B7.5 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets7.5 B
  • Equity593.9 M $8%
  • Current Liabilities6.7 B $89%
  • Long-term Liabilities195.7 M $3%

Key Figures

YoY change
Total Assets7.5 B $+1.2%
Total Liabilities6.9 B $+0.8%
Total Equity593.9 M $+6.5%
Cash & ST Investments893.7 M $+6.5%
Total Debt101.6 M $-37.4%
Net Debt-305 M $—

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
CPF0.1417.1%-7.017.9%
SKBNK—0.0%-13.415.9%
LLOY0.12209.8%5.395.0%
LB0.01744.5%280.575.3%
NWG0.2517.0%-14.685.2%
TSKB—0.0%-0.4713.4%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
050 M100 M202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
050 M100 M95.4 M $Operating47.5 M $Investing-13.1 M $Financing129.7 M $Net Change

Key Figures

YoY change
Operating Cash Flow95.4 M $+1.5%
Capital Expenditures5.3 M $-58.1%
Free Cash Flow90 M $+10.8%
Dividends Paid-29.6 M $-204.2%

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
CPF26.3%24.8%1.5%118.5%
SKBNK14.2%31.2%17.0%100.0%
LLOY——0.0%—
LB-1.8%-3.5%1.7%-134.2%
NWG——0.0%—
TSKB54.9%71.9%17.0%100.0%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.