Filing Flows › Central Pacific Financial (CPF) › Q3 2026
Central Pacific Financial (CPF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 28, 2026
Central Pacific Financial (CPF) reported revenue of $76.8M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -0.8% from the quarter before. Operating margin was 39.3%, net earnings $22.8M (29.6% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $76.8M | -0.8% | +3% |
| Operating profit | $30.2M | +12% | +28% |
| Net earnings | $22.8M | +9% | +23% |
| Operating cash flow | $29.9M | -30% | +34% |
| Free cash flow | $28.1M | -31% | +31% |
What changed
Revenue was $76.8M in Q3 2026, up 3% year over year and down 1% from the previous quarter.
Operating profit was $30.2M, a 39.3% margin (up 7.7 points year over year). Of the extra revenue versus Q3 2025, 323% reached operating profit, above the 32% margin then. Total costs fell 9% while revenue rose 3%. Net earnings were $22.8M, up 23% year over year. The effective tax rate was 24.5%.
Operating cash flow was $29.9M (up 34% year over year), 131% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $721K of share-based compensation. Working capital and other items added $4.7M. Capital expenditures of $1.8M left free cash flow of $28.1M.
Questions
What was Central Pacific Financial's revenue in the third quarter 2026?
Central Pacific Financial (CPF) reported revenue of $76.8M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -0.8% from the quarter before.
Was Central Pacific Financial profitable in the third quarter 2026?
Operating profit was $30.2M (39.3% of revenue) and net earnings $22.8M.