Filing Flows › Central Pacific Financial (CPF) › Q2 2025
Central Pacific Financial (CPF) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 5, 2025
Central Pacific Financial (CPF) reported revenue of $72.8M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +6% from the quarter before. Operating margin was 32.8%, net earnings $18.3M (25.1% of revenue).
Central Pacific Financial, Q2 2025: revenue $72.8M (+14% year over year), operating margin 32.8%, net earnings $18.3M, operating cash flow $35.1M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $72.8M | +6% | +14% |
| Operating profit | $23.9M | +6% | +16% |
| Net earnings | $18.3M | +3% | +16% |
| Operating cash flow | $35.1M | +72% | +35% |
| Free cash flow | $33.1M | +69% | +55% |
What changed
Revenue was $72.8M in Q2 2025, up 14% year over year and up 6% from the previous quarter.
Operating profit was $23.9M, a 32.8% margin (up 0.5 points year over year). Of the extra revenue versus a year earlier, 37% reached operating profit, above the 32% margin then. Total costs grew 13% against revenue growth of 14%. The fastest-growing cost line was Other operating costs (+123%). Net earnings were $18.3M, up 16% year over year. The effective tax rate was 23.5%.
Operating cash flow was $35.1M (up 35% year over year), 192% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $1.2M of share-based compensation. Working capital and other items added $13.8M. Capital expenditures of $2.0M left free cash flow of $33.1M.
Questions
What was Central Pacific Financial's revenue in the second quarter 2025?
Central Pacific Financial (CPF) reported revenue of $72.8M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +6% from the quarter before.
Was Central Pacific Financial profitable in the second quarter 2025?
Operating profit was $23.9M (32.8% of revenue) and net earnings $18.3M.