Filing Flows › Central Pacific Financial (CPF) › Q4 2025
Central Pacific Financial (CPF) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Central Pacific Financial (CPF) reported revenue of $76.3M for the fourth quarter 2025 (Q4 2025), +31% from a year earlier and +2% from the quarter before. Operating margin was 37.0%, net earnings $22.9M (30.0% of revenue).
Central Pacific Financial, Q4 2025: revenue $76.3M (+31% year over year), operating margin 37.0%, net earnings $22.9M, operating cash flow $19.7M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $76.3M | +2% | +31% |
| Operating profit | $28.2M | +19% | +110% |
| Net earnings | $22.9M | +23% | +102% |
| Operating cash flow | $19.7M | -11% | -25% |
| Free cash flow | $18.3M | -14% | -26% |
What changed
Revenue was $76.3M in Q4 2025, up 31% year over year and up 2% from the previous quarter.
Operating profit was $28.2M, a 37.0% margin (up 14.0 points year over year). Of the extra revenue versus a year earlier, 83% reached operating profit, above the 23% margin then. Total costs grew 7% against revenue growth of 31%. The fastest-growing cost line was Other operating costs (+193%). Net earnings were $22.9M, up 102% year over year. The effective tax rate was 18.9%.
Operating cash flow was $19.7M (down 25% year over year), 86% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $633K of share-based compensation. Working capital and other items used $5.5M. Capital expenditures of $1.4M left free cash flow of $18.3M.
Questions
What was Central Pacific Financial's revenue in the fourth quarter 2025?
Central Pacific Financial (CPF) reported revenue of $76.3M for the fourth quarter 2025 (Q4 2025), +31% from a year earlier and +2% from the quarter before.
Was Central Pacific Financial profitable in the fourth quarter 2025?
Operating profit was $28.2M (37.0% of revenue) and net earnings $22.9M.