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Central Pacific Financial vs First Financial: CPF and THFF compared
Central Pacific Financial is the larger company: $76.8M of revenue in its latest quarter (Q3 2026) against $75.0M for First Financial (Q3 2026). First Financial is growing faster (+14% against +3% a year earlier). First Financial is more profitable, with an operating margin of 45.9% against 39.3%.
Where the money goes: CPF and THFF
Central Pacific Financial (CPF) · Q3 2026
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.
First Financial (THFF) · Q3 2026
First Financial, Q3 2026: revenue $75.0M (+14% year over year), operating margin 45.9%, net earnings $27.4M, operating cash flow $36.0M. The chart follows the revenue to costs, profit and cash.
| Central Pacific Financial (CPF) | First Financial (THFF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $76.8M | $75.0M |
| Revenue growth, Y/Y | +3% | +14% |
| Operating margin | 39.3% | 45.9% |
| Net earnings | $22.8M | $27.4M |
| Net margin | 29.6% | 36.6% |
| Operating cash flow | $29.9M | $36.0M |
| Free cash flow | $28.1M | $34.9M |
Where the revenue comes from
First Financial
- Net interest income: $63.5M (85%)
- Noninterest income: $11.4M (15%)
Questions
Which is bigger, Central Pacific Financial or First Financial?
Central Pacific Financial is the larger company: $76.8M of revenue in its latest quarter (Q3 2026) against $75.0M for First Financial (Q3 2026).
Is Central Pacific Financial or First Financial growing faster?
First Financial is growing faster (+14% against +3% a year earlier).
Which is more profitable, Central Pacific Financial or First Financial?
First Financial is more profitable, with an operating margin of 45.9% against 39.3%.
More: Central Pacific Financial earnings · how Central Pacific Financial makes money · First Financial earnings · how First Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 28, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.