Filing Flows › Central Pacific Financial (CPF) › Q3 2025
Central Pacific Financial (CPF) Q3 2025 earnings results (third quarter 2025)
10-Q filed Oct 29, 2025
Central Pacific Financial (CPF) reported revenue of $74.8M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +3% from the quarter before. Operating margin was 31.6%, net earnings $18.6M (24.8% of revenue).
Central Pacific Financial, Q3 2025: revenue $74.8M (+12% year over year), operating margin 31.6%, net earnings $18.6M, operating cash flow $22.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $74.8M | +3% | +12% |
| Operating profit | $23.6M | -1% | +39% |
| Net earnings | $18.6M | +2% | +40% |
| Operating cash flow | $22.2M | -37% | +5% |
| Free cash flow | $21.4M | -35% | +37% |
What changed
Revenue was $74.8M in Q3 2025, up 12% year over year and up 3% from the previous quarter.
Operating profit was $23.6M, a 31.6% margin (up 6.0 points year over year). Of the extra revenue versus a year earlier, 80% reached operating profit, above the 26% margin then. Total costs grew 3% against revenue growth of 12%. The fastest-growing cost line was Other operating costs (+47%). Net earnings were $18.6M, up 40% year over year. The effective tax rate was 21.4%.
Operating cash flow was $22.2M (up 5% year over year), 120% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $642K of share-based compensation. Working capital and other items added $1.2M. Capital expenditures of $873K left free cash flow of $21.4M.
Questions
What was Central Pacific Financial's revenue in the third quarter 2025?
Central Pacific Financial (CPF) reported revenue of $74.8M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +3% from the quarter before.
Was Central Pacific Financial profitable in the third quarter 2025?
Operating profit was $23.6M (31.6% of revenue) and net earnings $18.6M.