Central Pacific Financial Corp. (CPF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 60.98M | 62.09M | 60.91M | 59.41M | 57.38M | 55.65M | 53.72M | 51.77M | 50.08M | 51.03M | 51.81M | 52.61M | 54.06M | 56.18M | 55.23M | 52.91M | 50.85M | 53.01M | 56.01M | 51.98M |
| NII Growth % | 6.28% | 11.57% | 13.37% | 14.75% | 14.56% | 9.05% | 3.68% | -1.6% | -7.36% | -9.16% | -6.18% | -0.56% | 6.3% | 5.97% | -1.39% | 1.79% | 2.27% | 3.26% | 14.36% | 5.79% |
| Net Interest Margin % | 0.81% | 0.84% | 0.82% | 0.81% | 0.77% | 0.74% | 0.72% | 0.7% | 0.68% | 0.67% | 0.68% | 0.7% | 0.72% | 0.76% | 0.75% | 0.72% | 0.7% | 0.71% | 0.77% | 0.72% |
| Interest Income | 76.72M | 78.88M | 79.56M | 77.73M | 76.88M | 77.83M | 77.77M | 75.69M | 74.3M | 74M | 72.3M | 69.2M | 66.67M | 64.93M | 59.53M | 55M | 52.81M | 54.97M | 57.89M | 53.88M |
| Interest Expense | 15.74M | 16.79M | 18.66M | 18.32M | 19.51M | 22.19M | 24.05M | 23.92M | 24.21M | 22.97M | 20.48M | 16.59M | 12.61M | 8.75M | 4.3M | 2.09M | 1.95M | 1.96M | 1.88M | 1.9M |
| Loan Loss Provision | 2.3M | 0 | 4.12M | 4.99M | 4.14M | 778K | 2.78M | 2.2M | 3.88M | 4.6M | 4.83M | 4.27M | 1.56M | 736K | 342K | 882K | -3.23M | -7.58M | -2.67M | -3.48M |
| Non-Interest Income | 10.83M | 14.2M | 12.63M | 12.21M | 10.23M | 2.2M | 11.61M | 10.9M | 10.18M | 9.63M | 8.67M | 9.39M | 9.76M | 15.45M | 8.57M | 15.84M | 8.45M | 15.74M | 9.02M | 9.01M |
| Non-Interest Income % | 12.37% | 15.26% | 13.69% | 13.58% | 11.74% | 2.75% | 12.99% | 12.59% | 12.05% | 11.51% | 10.71% | 11.95% | 12.77% | 19.22% | 12.59% | 22.36% | 13.79% | 22.26% | 13.48% | 14.33% |
| Total Revenue | 87.54M | 93.08M | 92.19M | 89.94M | 87.11M | 80.04M | 89.38M | 86.59M | 84.47M | 83.63M | 80.97M | 78.59M | 76.43M | 80.38M | 68.11M | 70.83M | 61.25M | 70.71M | 66.91M | 62.89M |
| Revenue Growth % | 0.5% | 16.29% | 3.14% | 3.88% | 3.12% | -4.3% | 10.38% | 10.17% | 10.52% | 4.04% | 18.89% | 10.95% | 24.78% | 13.68% | 1.79% | 12.63% | -0.1% | 6.02% | 7.75% | 0.6% |
| Non-Interest Expense | 42.59M | 45.68M | 45.77M | 42.76M | 40.92M | 43.67M | 45.49M | 39.82M | 39.46M | 36.92M | 38.17M | 38.79M | 41.01M | 44.01M | 40.83M | 44.09M | 37.06M | 46.4M | 40.07M | 39.87M |
| Efficiency Ratio | 48.66% | 49.08% | 49.65% | 47.54% | 46.97% | 54.56% | 50.89% | 45.99% | 46.71% | 44.15% | 47.14% | 49.35% | 53.66% | 54.75% | 59.94% | 62.24% | 60.5% | 65.62% | 59.89% | 63.4% |
| Operating Income | 26.91M | 30.61M | 23.64M | 23.88M | 22.55M | 13.4M | 17.07M | 20.65M | 16.92M | 19.14M | 17.49M | 18.95M | 21.25M | 26.88M | 22.63M | 23.78M | 25.48M | 29.93M | 27.63M | 24.6M |
| Operating Margin % | 30.74% | 32.88% | 25.65% | 26.55% | 25.89% | 16.75% | 19.09% | 23.85% | 20.03% | 22.89% | 21.6% | 24.11% | 27.8% | 33.44% | 33.23% | 33.57% | 41.59% | 42.33% | 41.29% | 39.12% |
| Operating Income Growth % | 19.34% | 128.37% | 38.54% | 15.61% | 33.29% | -29.97% | -2.43% | 9% | -20.37% | -28.8% | -22.73% | -20.32% | -16.6% | -10.19% | -18.08% | -3.35% | 8.45% | 87.74% | 204.99% | 90.94% |
| Pretax Income | 26.91M | 28.21M | 23.64M | 23.88M | 22.55M | 13.4M | 17.07M | 20.65M | 16.92M | 19.14M | 17.49M | 18.95M | 21.25M | 26.88M | 22.63M | 23.78M | 25.48M | 29.93M | 27.63M | 24.6M |
| Pretax Margin % | 30.74% | 30.31% | 25.65% | 26.55% | 25.89% | 16.75% | 19.09% | 23.85% | 20.03% | 22.89% | 21.6% | 24.11% | 27.8% | 33.44% | 33.23% | 33.57% | 41.59% | 42.33% | 41.29% | 39.12% |
| Income Tax | 6.19M | 5.34M | 5.07M | 5.61M | 4.79M | 2.06M | 3.76M | 4.83M | 3.97M | 4.27M | 4.35M | 4.47M | 5.06M | 6.7M | 5.92M | 6.18M | 6.04M | 7.61M | 6.81M | 5.89M |
| Effective Tax Rate % | 22.99% | 18.92% | 21.44% | 23.48% | 21.25% | 15.35% | 22.03% | 23.41% | 23.49% | 22.33% | 24.87% | 23.6% | 23.81% | 24.92% | 26.15% | 26.01% | 23.7% | 25.41% | 24.66% | 23.93% |
| Net Income | 20.73M | 22.88M | 18.57M | 18.27M | 17.76M | 11.35M | 13.3M | 15.82M | 12.95M | 14.87M | 13.14M | 14.47M | 16.19M | 20.18M | 16.71M | 17.59M | 19.44M | 22.33M | 20.82M | 18.71M |
| Net Margin % | 23.67% | 24.58% | 20.15% | 20.31% | 20.39% | 14.17% | 14.89% | 18.27% | 15.32% | 17.78% | 16.23% | 18.42% | 21.18% | 25.11% | 24.54% | 24.84% | 31.73% | 31.58% | 31.11% | 29.76% |
| Net Income Growth % | 16.69% | 101.63% | 39.6% | 15.52% | 37.2% | -23.68% | 1.25% | 9.27% | -20.03% | -26.34% | -21.38% | -17.73% | -16.73% | -9.61% | -19.7% | -5.98% | 7.76% | 83.44% | 203.47% | 88.71% |
| Net Income (Continuing) | 20.73M | 22.88M | 18.57M | 18.27M | 17.76M | 11.35M | 13.3M | 15.82M | 12.95M | 14.87M | 13.14M | 14.47M | 16.19M | 20.18M | 16.71M | 17.59M | 19.44M | 22.33M | 20.82M | 18.71M |
| EPS (Diluted) | 0.78 | 0.85 | 0.69 | 0.68 | 0.65 | 0.42 | 0.49 | 0.58 | 0.48 | 0.55 | 0.49 | 0.53 | 0.60 | 0.74 | 0.61 | 0.64 | 0.70 | 0.80 | 0.74 | 0.66 |
| EPS Growth % | 20% | 102.38% | 40.82% | 17.24% | 35.42% | -23.64% | 0% | 9.43% | -20% | -25.68% | -19.67% | -17.19% | -14.29% | -7.5% | -17.57% | -3.03% | 9.38% | 86.05% | 208.33% | 88.57% |
| EPS (Basic) | 0.79 | 0.86 | 0.69 | 0.68 | 0.66 | 0.42 | 0.49 | 0.58 | 0.48 | 0.55 | 0.49 | 0.54 | 0.60 | 0.74 | 0.61 | 0.64 | 0.70 | 0.80 | 0.74 | 0.66 |
| Diluted Shares Outstanding | 26.41M | 26.83M | 27.12M | 27.14M | 27.21M | 27.2M | 27.2M | 27.12M | 27.1M | 27.1M | 27.08M | 27.07M | 27.12M | 27.3M | 27.5M | 27.68M | 27.88M | 28.05M | 28.18M | 28.46M |