Filing Flows › Central Pacific Financial (CPF) › Q3 2026 › vs Q3 2025
Central Pacific Financial (CPF) Q3 2026 vs Q3 2025 (year over year)
Central Pacific Financial's revenue rose $2.0M (+3%) from $74.8M in Q3 2025 to $76.8M in Q3 2026. Operating margin 39.3% against 31.6% (+7.7 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.3% | 31.6% | +7.7 pts |
| Net margin | 29.6% | 24.8% | +4.8 pts |
| Free cash flow margin | 36.6% | 28.6% | +8.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $76.8M | $74.8M | $2.0M | +3% |
| Operating profit | $30.2M | $23.6M | $6.5M | +28% |
| Costs & expenses | $46.7M | $51.2M | −$4.5M | -9% |
| Pre-tax earnings | $30.2M | $23.6M | $6.5M | +28% |
| Noninterest expense | $44.8M | $47.0M | −$2.2M | -5% |
| Other operating costs | $1.9M | $4.2M | −$2.3M | -54% |
| Net earnings | $22.8M | $18.6M | $4.2M | +23% |
| Income tax | $7.4M | $5.1M | $2.3M | +46% |
| Depreciation & amortization | $1.7M | $1.8M | −$77K | -4% |
| Share-based compensation | $721K | $646K | $75K | +12% |
| Working capital & other | $4.7M | $1.2M | $3.4M | +281% |
| Operating cash flow | $29.9M | $22.2M | $7.6M | +34% |
| Free cash flow (OCF − capex) | $28.1M | $21.4M | $6.7M | +31% |
| Capital expenditures | $1.8M | $873K | $921K | +105% |
Questions
How much did Central Pacific Financial's revenue grow year over year in Q3 2026?
Central Pacific Financial's revenue rose $2.0M (+3%) from $74.8M in Q3 2025 to $76.8M in Q3 2026. Operating margin 39.3% against 31.6% (+7.7 pts).