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Central Pacific Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$28.1M in Q3 2026 · $105M over twelve months

Operating cash flow$29.9M
Capital spending−$1.8M
Free cash flow+$28.1M
Cash / net income1.3×

Analysis

In Q3 2026, Central Pacific Financial generated $29.9M of operating cash flow and spent $1.8M on capital projects, leaving free cash flow of $28.1M. That is $6.7M more than in Q3 2025 ($21.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $111M; the largest uses were net borrowing (+) / repaid (−) ($55.0M), dividends ($30.3M), capital spending ($6.2M); besides operations, cash came from other financing ($36.2M); the cash balance rose by $49.5M.

Operating cash flow was $29.9M against net income of $22.8M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$3.6M, depreciation & amortization +$1.7M, stock-based pay +$721K.

Free cash flow

Central Pacific Financial: free cash flow by quarterCentral Pacific Financial: free cash flow by quarter$24.8MQ4 2024$19.6MQ1 2025$33.1MQ2 2025$21.4MQ3 2025$18.3MQ4 2025$17.3MQ1 2026$41.0MQ2 2026$28.1MQ3 2026
Operating cash flow less capital spending.
Central Pacific Financial: operating cash flow against capital spendingCentral Pacific Financial: operating cash flow against capital spendingOperating cash flowCapital spending$26.3M$1.5MQ4 2024$20.4M$889KQ1 2025$35.1M$2.0MQ2 2025$22.2M$873KQ3 2025$19.7M$1.4MQ4 2025$18.3M$1.1MQ1 2026$42.9M$1.9MQ2 2026$29.9M$1.8MQ3 2026
Latest (Q3 2026): Operating cash flow $29.9M, Capital spending $1.8M.

Capital allocation, year by year

Central Pacific Financial: where the cash came from (up) and went (down), by fiscal yearCentral Pacific Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow $110MFY2021: Net borrowing −$22.0MFY2021: Shares issued $1.2MFY2021: Capital spending −$22.2MFY2021: Dividends −$27.0M$112MFY2021FY2022: Operating cash flow $114MFY2022: Net borrowing $5.0MFY2022: Shares issued $679KFY2022: Capital spending −$18.4MFY2022: Dividends −$28.5M$120MFY2022FY2023: Operating cash flow $105MFY2023: Net borrowing $45.0MFY2023: Asset sales $6.2MFY2023: Capital spending −$12.7MFY2023: Dividends −$28.1M$156MFY2023FY2024: Operating cash flow $90.5MFY2024: Capital spending −$15.1MFY2024: Dividends −$28.1M$90.5MFY2024FY2025: Operating cash flow $97.5MFY2025: Net borrowing −$80.0MFY2025: Capital spending −$5.2MFY2025: Dividends −$29.4M$97.5MFY2025
Over these 5 years operating cash flow totalled $518M; the largest uses were dividends ($141M) and net borrowing ($102M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$359M
Debt$76.5M
Net cash$283M

Central Pacific Financial funds itself: free cash flow was $105M over the last twelve months, and $359M of cash and investments stands against $76.5M of debt.

Central Pacific Financial: debt maturities by year (FY2025)Central Pacific Financial: debt maturities by year (FY2025)$25.0MYear 3$51.5MAfter year 5
Principal due in each year as disclosed in the annual report, against $359M of cash and investments now.

Where the cash came from and went

Central Pacific Financial: sources (+) and uses (−) of cash, Q3 2026Central Pacific Financial: sources (+) and uses (−) of cash, Q3 2026Other financing−$43.1MOperating cash flow$29.9MCash drawn (+) / kept (−)$23.9MDividends−$7.7MCapital spending−$1.8MOther investing−$1.1M
Central Pacific Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Central Pacific Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$111MNet borrowing (+) / repaid (−)−$55.0MCash drawn (+) / kept (−)−$49.5MOther financing$36.2MDividends−$30.3MCapital spending−$6.2MOther investing−$6.0M

From profit to cash

Central Pacific Financial: net income to operating cash flow, Q3 2026Central Pacific Financial: net income to operating cash flow, Q3 2026Net income$22.8MDepreciation & amortization$1.7MStock-based pay$721KDeferred taxes−$101KOther operating capital$3.6MOperating cash flow$29.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$29.9M−$1.8M−$7.7M—$23.9M$28.1M
Q2 2026$42.9M−$1.9M−$7.5M—$23.3M$41.0M
Q1 2026$18.3M−$1.1M−$7.6M—−$27.9M$17.3M
Q4 2025$19.7M−$1.4M−$7.5M−$55.0M−$68.8M$18.3M
Q3 2025$22.2M−$873K−$7.3M—$7.1M$21.4M
Q2 2025$35.1M−$2.0M−$7.3M—−$40.1M$33.1M
Q1 2025$20.4M−$889K−$7.3M−$25.0M$104M$19.6M
Q4 2024$26.3M−$1.5M−$7.0M—−$54.4M$24.8M

Central Pacific Financial: income statement and cash flow

Central Pacific Financial, Q3 2026: revenue $76.8M (+3% year over year), operating margin 39.3%. The chart follows the revenue to costs, profit and cash.

Central Pacific Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.