Filing Flows › Central Pacific Financial (CPF) › Q3 2026 › vs Q2 2026
Central Pacific Financial (CPF) Q3 2026 vs Q2 2026 (quarter over quarter)
Central Pacific Financial's revenue fell $624K (-0.8%) from $77.5M in Q2 2026 to $76.8M in Q3 2026. Operating margin 39.3% against 34.7% (+4.5 pts).
Central Pacific Financial, Q3 2026: revenue $76.8M (+3% year over year), operating margin 39.3%, net earnings $22.8M, operating cash flow $29.9M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 39.3% | 34.7% | +4.5 pts |
| Net margin | 29.6% | 26.9% | +2.8 pts |
| Free cash flow margin | 36.6% | 52.9% | -16.3 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $76.8M | $77.5M | −$624K | -0.8% |
| Operating profit | $30.2M | $26.9M | $3.3M | +12% |
| Costs & expenses | $46.7M | $50.6M | −$3.9M | -8% |
| Pre-tax earnings | $30.2M | $26.9M | $3.3M | +12% |
| Noninterest expense | $44.8M | $46.2M | −$1.4M | -3% |
| Other operating costs | $1.9M | $4.4M | −$2.5M | -57% |
| Net earnings | $22.8M | $20.8M | $2.0M | +9% |
| Income tax | $7.4M | $6.1M | $1.3M | +22% |
| Depreciation & amortization | $1.7M | $1.7M | −$4K | -0.2% |
| Share-based compensation | $721K | $1.0M | −$322K | -31% |
| Working capital & other | $4.7M | $19.3M | −$14.6M | -76% |
| Operating cash flow | $29.9M | $42.9M | −$13.0M | -30% |
| Free cash flow (OCF − capex) | $28.1M | $41.0M | −$12.9M | -31% |
| Capital expenditures | $1.8M | $1.9M | −$129K | -7% |
Questions
How much did Central Pacific Financial's revenue grow quarter over quarter in Q3 2026?
Central Pacific Financial's revenue fell $624K (-0.8%) from $77.5M in Q2 2026 to $76.8M in Q3 2026. Operating margin 39.3% against 34.7% (+4.5 pts).