← CENTRAL PACIFIC FINANCIAL CORP CPF
Market Price
$38.77
Market Cap
$1.02B
P/E Ratio
13.55
Revenue (FY 2025)
↑6.0% YoY
$37.61M
3-Yr CAGR: 7.3%
Net Income
↑45.1% YoY
$77.48M
Net Margin: 206.0%
Free Cash Flow
↑22.4% YoY
$92.30M
FCF Yield: 9.07%
EPS (Diluted)
↑45.2% YoY
$2.86
Basic: $2.88
Return on Equity
Efficiency
13.1%
ROA: 1.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CPF)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2024: Revenue YoY (+7.7%) is identical to Gross Profit YoY (+7.7%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+6.0%) is identical to Gross Profit YoY (+6.0%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $157.9M | — | $148.8M | $47.0M | — | $1.50 | — | $76.5M | $70.6M | — |
| FY 2017 | $167.7M | +6.2% | $152.8M | $41.2M | -12.3% | $1.34 | -10.7% | $96.8M | $90.3M | +27.9% |
| FY 2018 | $24.6M | -85.3% | $14.2M | $59.5M | +44.4% | $2.01 | +50.0% | $103.5M | $100.3M | +11.1% |
| FY 2019 | $25.9M | +5.3% | $15.9M | $58.3M | -2.0% | $2.03 | +1.0% | $72.2M | $65.0M | -35.2% |
| FY 2020 | $23.8M | -8.1% | $9.1M | $37.3M | -36.1% | $1.32 | -35.0% | $76.8M | $50.8M | -21.8% |
| FY 2021 | $28.7M | +20.6% | $21.0M | $79.9M | +114.3% | $2.83 | +114.4% | $110.5M | $88.3M | +73.9% |
| FY 2022 | $30.4M | +5.9% | $13.3M | $73.9M | -7.5% | $2.68 | -5.3% | $114.1M | $95.7M | +8.3% |
| FY 2023 | $32.9M | +8.3% | $32.9M | $58.7M | -20.6% | $2.17 | -19.0% | $105.1M | $92.5M | -3.4% |
| FY 2024 | $35.5M | +7.7% | $35.5M | $53.4M | -9.0% | $1.97 | -9.2% | $90.5M | $75.4M | -18.4% |
| FY 2025 | $37.6M | +6.0% | $37.6M | $77.5M | +45.1% | $2.86 | +45.2% | $97.5M | $92.3M | +22.4% |
Valuation
Market Price
$38.77
Market Cap
$1.02B
Enterprise Value
$991.55M
P/E Ratio
13.55
P/B Ratio
1.71
FCF Yield
9.07%
Dividend Yield
2.81%
Shares Outstanding
Profitability & Margins
Gross Margin
33.91%
Operating Margin
302.54%
Net Margin
206.03%
Return on Equity (ROE)
13.08%
Return on Assets (ROA)
1.05%
Asset Turnover
0.01x
Revenue 3-Yr CAGR
7.34%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.129
Debt / Assets
0.010
Cash & Equivalents
$102.19M
Total Debt
$76.55M
Book Value / Share
$22.69
Cash Flow Efficiency
Operating Cash Flow
$97.47M
Capital Expenditures (CapEx)
$5.16M
Free Cash Flow
$92.30M
OCF / Revenue
259.17%
FCF / Revenue
245.45%
FCF 3-Yr CAGR
-1.19%
Per Share Metrics
EPS (Diluted)
$2.86
EPS (Basic)
$2.88
Dividends / Share
$1.09
Book Value / Share
$22.69
EPS YoY Growth
45.18%
Balance Sheet (FY 2025)
Total Assets
$7.41B
Total Liabilities
$6.82B
Stockholders' Equity
$592.58M
Current Assets
N/A
Current Liabilities
N/A