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Central Pacific Financial (CPF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 28, 2026 · Central Pacific Financial (CPF) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $76.8M · 30¢ of every $1 of revenue kept as net profit · operating margin 39.3%
Central Pacific Financial made $76.8M in Q3 2026 (+3% Y/Y). Operating margin 39.3%, net earnings $22.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 28, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $76.8M in Q3 2026, up 3% year over year and down 1% from the previous quarter.
Operating profit was $30.2M, a 39.3% margin (up 7.7 points year over year). Of the extra revenue versus Q3 2025, 323% reached operating profit, above the 32% margin then. Total costs fell 9% while revenue rose 3%. Net earnings were $22.8M, up 23% year over year. The effective tax rate was 24.5%.
Operating cash flow was $29.9M (up 34% year over year), 131% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $721K of share-based compensation. Working capital and other items added $4.7M. Capital expenditures of $1.8M left free cash flow of $28.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 28, 2026 | $76.8M | +3% | 39.3% | $22.8M | $29.9M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $77.5M | +6% | 34.7% | $20.8M | $42.9M |
| Q1 2026 | 10-Q | Apr 29, 2026 | $72.9M | +6% | 36.9% | $20.7M | $18.3M |
| Q4 2025 | 10-K | Feb 27, 2026 | $76.3M | +31% | 37.0% | $22.9M | $19.7M |
| Q3 2025 | 10-Q | Oct 29, 2025 | $74.8M | +12% | 31.6% | $18.6M | $22.2M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $72.8M | +14% | 32.8% | $18.3M | $35.1M |
| Q1 2025 | 10-Q | Apr 30, 2025 | $68.8M | +12% | 32.8% | $17.8M | $20.4M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Customers and suppliers named in filings
Buys from
- FNMA · Stated in 10-K (named, share not stated) · source
- FMCC · Stated in 10-K (named, share not stated) · source
About Central Pacific Financial
Central Pacific Financial Corp. is a Hawaii corporation and a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the "BHC Act"). CPF was organized on February 1, 1982, and serves as the holding company for its principal subsidiary, Central Pacific Bank. The Bank was incorporated in its present form in the State of Hawaii on March 16, 1982, following a holding company reorganization. Its predecessor entity was originally incorporated in the State of Hawaii on January 15, 1954. CPF reports financial results on a fiscal year ending December 31, and operates as a single reportable segment: banking operations.
In its own words, from its 10-K, filed Feb 27, 2026.
Central Pacific Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 39.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CPF Central Pacific Financial | Q3 2026 | $76.8M | +3% | 39.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Central Pacific Financial 10-Q on SEC EDGAR · CIK 701347 · State Commercial Banks
13F: who owns CPF and who is buying
More on CPF
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results