Central Pacific Financial Corp. (CPF) Earnings History
Growth Compounder37 years of earnings data (1989–2025) · Consistent double-digit EPS growth over 5 years
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Central Pacific Financial Corp. (CPF) Earnings Overview
As of July 8, 2026, Central Pacific Financial Corp. (CPF) reported trailing twelve-month net income of $80M, reflecting +45.7% year-over-year growth. The company earned $3.05 per diluted share over the past four quarters, with a net profit margin of 21.4%.
Looking at the long-term picture, CPF's 5-year EPS compound annual growth rate (CAGR) stands at +16.8%, indicating exceptional earnings growth. The company achieved its highest annual net income of $172M in fiscal 2013.
Central Pacific Financial Corp. maintains industry-leading profitability with a gross margin of 76.1%, operating margin of 27.8%, and net margin of 21.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including BOH ($219M net income, 19.4% margin), HBB ($28M net income, 4.4% margin), FHB ($285M net income, 23.6% margin), CPF has outperformed on profitability metrics. Compare CPF vs BOH →
CPF Earnings vs Peers
Earnings metrics vs comparable public companies
CPF Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $77M | +45.1% | $101M | $2.87 | 21.4% | 27.8% |
| 2024 | $53M | -9.0% | $68M | $1.97 | 15.7% | 20.0% |
| 2023 | $59M | -20.6% | $77M | $2.17 | 18.4% | 24.0% |
| 2022 | $74M | -7.5% | $99M | $2.68 | 26.7% | 35.7% |
| 2021 | $80M | +114.3% | $106M | $2.83 | 30.7% | 40.7% |
| 2020 | $37M | -36.1% | $49M | $1.32 | 14.5% | 19.0% |
| 2019 | $58M | -2.0% | $78M | $2.03 | 22.6% | 30.2% |
| 2018 | $59M | +44.4% | $78M | $2.01 | 25.6% | 33.7% |
| 2017 | $41M | -12.3% | $76M | $1.34 | 19.2% | 35.3% |
| 2016 | $47M | +2.5% | $73M | $1.50 | 23.4% | 36.5% |
| 2015 | $46M | +13.4% | $73M | $1.40 | 24.1% | 38.3% |
| 2014 | $40M | -76.5% | $61M | $1.07 | 21.2% | 31.9% |
| 2013 | $172M | +262.9% | $60M | $4.07 | 88.5% | 30.8% |
| 2012 | $47M | +29.7% | $47M | $1.13 | 25.1% | 25.1% |
| 2011 | $37M | +114.6% | $37M | $3.31 | 18.9% | 18.9% |
| 2010 | -$251M | +20.0% | -$251M | $-124.11 | -119.7% | -119.7% |
| 2009 | -$314M | -126.7% | -$334M | $-149.48 | -104.1% | -110.7% |
| 2008 | -$138M | -2484.0% | -$188M | $-70.03 | -38.6% | -52.4% |
| 2007 | $6M | -92.7% | $28M | $2.75 | 1.5% | 7.1% |
| 2006 | $79M | +9.3% | $120M | $37.26 | 21.8% | 33.1% |
| 2005 | $72M | +93.8% | $109M | $34.51 | 23.8% | 35.8% |
| 2004 | $37M | +10.2% | $54M | $27.11 | 21.7% | 31.3% |
| 2003 | $34M | +2.0% | $50M | $30.01 | 26.9% | 39.4% |
| 2002 | $33M | +15.9% | $48M | $29.58 | 24.9% | 36.1% |
| 2001 | $29M | +47.7% | $39M | $12.47 | 19.9% | 27.0% |
| 2000 | $19M | +19.2% | $30M | $15.51 | 14.1% | 21.8% |
| 1999 | $16M | +7.9% | $24M | $12.18 | 12.9% | 19.4% |
| 1998 | $15M | +0.7% | $24M | $10.51 | 11.7% | 18.7% |
| 1997 | $15M | +6.4% | $24M | $10.33 | 12.4% | 20.1% |
| 1996 | $14M | +2.2% | $23M | $9.71 | 12.3% | 20.3% |
| 1995 | $14M | +2.2% | $23M | $9.57 | 11.6% | 19.2% |
| 1994 | $14M | -15.1% | $22M | $9.35 | 12.9% | 21.3% |
| 1993 | $16M | +8.9% | $26M | $2.79 | 15.4% | 24.9% |
| 1992 | $15M | +15.0% | $24M | $2.56 | 13.8% | 22.4% |
| 1991 | $13M | +10.4% | $20M | $2.28 | 11.9% | 19.0% |
| 1990 | $12M | +22.3% | $18M | $2.08 | 11.7% | 18.5% |
| 1989 | $9M | - | $14M | $1.83 | 11.4% | 17.4% |
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CPF — Frequently Asked Questions
Quick answers to the most common questions about buying CPF stock.
What is CPF earnings per share (EPS)?
CPF trailing twelve-month (TTM) diluted EPS is $3.05, reflecting +45.7% year-over-year growth. The 5-year EPS CAGR is +16.8%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is Central Pacific Financial Corp.'s net income?
Central Pacific Financial Corp. (CPF) trailing twelve-month net income is $80M as of 2025. Earnings grew +45.7% year-over-year. Central Pacific Financial Corp. has been profitable for 15 consecutive years.
Is CPF profitable?
Yes, CPF is profitable with a TTM net income of $80M and a net profit margin of +21.4%. Central Pacific Financial Corp. has generated profits for 15 consecutive years.
What is CPF's earnings growth rate?
CPF compound annual EPS growth rates (CAGR): 1-Year: +45.7%, 3-Year: +2.3%, 5-Year: +16.8%, 10-Year: +7.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are CPF's profit margins?
Central Pacific Financial Corp. net profit margin is +21.4%, operating margin is +27.8%, and gross margin is +76.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.7%.
Is CPF growing earnings?
Yes, CPF earnings are accelerating — EPS growth of +45.7% exceeds the 5-year CAGR of +16.8%. TTM net income reached $80M. Earnings momentum is strengthening.
What was CPF's best earnings year?
Central Pacific Financial Corp.'s highest annual net income on record is $172M, achieved in fiscal year 2013. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were CPF's earnings last quarter?
CPF's most recent reported quarter was Q1 2026. Net income was $21M with diluted EPS of $0.78. For a full breakdown of all quarters, see the quarterly earnings table on this page.