Filing Flows › Central Pacific Financial (CPF) › Q1 2025
Central Pacific Financial (CPF) Q1 2025 earnings results (first quarter 2025)
10-Q filed Apr 30, 2025
Central Pacific Financial (CPF) reported revenue of $68.8M for the first quarter 2025 (Q1 2025), +12% from a year earlier and +18% from the quarter before. Operating margin was 32.8%, net earnings $17.8M (25.8% of revenue).
Central Pacific Financial, Q1 2025: revenue $68.8M (+12% year over year), operating margin 32.8%, net earnings $17.8M, operating cash flow $20.4M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $68.8M | +18% | +12% |
| Operating profit | $22.6M | +68% | +33% |
| Net earnings | $17.8M | +57% | +37% |
| Operating cash flow | $20.4M | -22% | +20% |
| Free cash flow | $19.6M | -21% | +42% |
What changed
Revenue was $68.8M in Q1 2025, up 12% year over year and up 18% from the previous quarter.
Operating profit was $22.6M, a 32.8% margin (up 5.2 points year over year). Of the extra revenue versus a year earlier, 76% reached operating profit, above the 28% margin then. Total costs grew 4% against revenue growth of 12%. Net earnings were $17.8M, up 37% year over year. The effective tax rate was 21.2%.
Operating cash flow was $20.4M (up 20% year over year), 115% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization. Capital expenditures of $889K left free cash flow of $19.6M.
Questions
What was Central Pacific Financial's revenue in the first quarter 2025?
Central Pacific Financial (CPF) reported revenue of $68.8M for the first quarter 2025 (Q1 2025), +12% from a year earlier and +18% from the quarter before.
Was Central Pacific Financial profitable in the first quarter 2025?
Operating profit was $22.6M (32.8% of revenue) and net earnings $17.8M.