CENTRAL PACIFIC FINANCIAL CORP
CPF · State Commercial Banks · 26.1M shares · -1%/yr ↓ buyback · EDGAR filings ↗
Reference price $30.66 · est. market cap ~$800M — last insider sale, 2025-09-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B73Central Pacific Financial — Hawaii bank with strong ROE.
Strengths
- ROE 13.1% (86th pct)
- Low leverage (41st), solid cash margins
Risks
- Hawaii-only concentration
- Rate/securities sensitivity
- Modest growth
Notable findings
- Restatement• Anti-takeover provisions in our restated articles of incorporation and bylaws and applicable federal and state law may limit the ability of another party to acquire us or a significant block of comm 8-K ↗
- Revenue declineRevenue -18.5% YoY
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
149.5%
Return on equity
13.1%
Return on assets
1.0%
Revenue growth (QoQ)
-18.5%
Net-income growth
45.1%
Debt / equity
0.1×
Free cash flow
$92M
Tangible book value
$593M
Stock comp / revenue
4.3%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-15 | KOSASA PAUL | Grant | 1.9K | $33.65 |
| 2026-05-15 | Kindred Jonathan B | Grant | 2.2K | $33.65 |
| 2026-05-15 | Fujimoto Jason | Grant | 1.9K | $33.65 |
| 2026-05-15 | Nobriga Robert | Grant | 2.3K | $33.65 |
| 2026-05-15 | Paloma Diane S.L. | Grant | 2.1K | $33.65 |
| 2026-05-15 | Lutes Christopher | Grant | 2.1K | $33.65 |
| 2026-02-17 | Martines Arnold D | Tax withheld | 6.3K | $34.38 |
| 2026-02-17 | Matsumoto Dayna N | Grant | 3.0K | — |
| 2026-02-17 | Matsumoto Dayna N | Tax withheld | 114 | $34.38 |
| 2026-02-17 | Matsumoto Dayna N | Tax withheld | 161 | $34.38 |
| 2026-02-17 | Matsumoto Dayna N | Tax withheld | 328 | $34.38 |
| 2026-02-17 | Mesick Ralph | Grant | 4.5K | — |
| 2026-02-17 | Mesick Ralph | Tax withheld | 548 | $34.38 |
| 2026-02-17 | Morimoto David | Tax withheld | 833 | $34.38 |
| 2026-02-17 | Morimoto David | Tax withheld | 1.3K | $34.38 |
| 2026-02-17 | Morimoto David | Tax withheld | 713 | $34.38 |
| 2026-02-17 | Martines Arnold D | Grant | 12K | — |
| 2026-02-17 | Martines Arnold D | Tax withheld | 2.1K | $34.38 |
| 2026-02-17 | Martines Arnold D | Tax withheld | 3.2K | $34.38 |
| 2026-02-17 | Martines Arnold D | Tax withheld | 2.1K | $34.38 |
| 2026-02-17 | Morimoto David | Grant | 5.9K | — |
| 2026-02-17 | Morimoto David | Grant | 7.7K | — |
| 2026-02-17 | Morimoto David | Tax withheld | 3.4K | $34.38 |
| 2026-02-17 | Matsumoto Dayna N | Grant | 1.1K | — |
| 2026-02-17 | Matsumoto Dayna N | Tax withheld | 340 | $34.38 |
| 2026-02-17 | Martines Arnold D | Grant | 13K | — |
| 2025-09-12 | Ngo Agnes Catherine | Sell | 3.3K | $30.66 |
| 2025-09-03 | Ngo Agnes Catherine | Gift | 1.6K | — |
| 2025-08-14 | KOSASA PAUL | Sell | 923 | $28.62 |
| 2025-08-12 | Ngo Agnes Catherine | Sell | 3.3K | $27.87 |
| 2025-08-01 | Yonamine Paul K | Sell | 2.8K | $26.25 |
| 2025-07-31 | Martines Arnold D | Gift | 4.0K | — |
| 2025-07-14 | Ngo Agnes Catherine | Sell | 3.3K | $29.20 |
| 2025-07-01 | Yonamine Paul K | Sell | 2.8K | $28.00 |
| 2025-06-12 | Ngo Agnes Catherine | Sell | 3.3K | $26.99 |
| 2025-06-05 | Yonamine Paul K | Sell | 2.8K | $26.31 |
| 2025-05-15 | Kindred Jonathan B | Grant | 2.7K | $27.60 |
| 2025-05-15 | Murakami Diane | Tax withheld | 687 | $27.60 |
| 2025-05-15 | Paloma Diane S.L. | Grant | 2.3K | $27.60 |
| 2025-05-15 | Nobriga Robert | Grant | 2.3K | $27.60 |
| 2025-05-15 | Fujimoto Jason | Grant | 2.3K | $27.60 |
| 2025-05-15 | Lutes Christopher | Grant | 2.3K | $27.60 |
| 2025-05-15 | Yonamine Paul K | Grant | 2.3K | $27.60 |
| 2025-05-15 | Ngo Agnes Catherine | Grant | 2.5K | $27.60 |
| 2025-05-15 | KOSASA PAUL | Grant | 2.5K | $27.60 |
| 2025-05-12 | Ngo Agnes Catherine | Sell | 3.3K | $27.71 |
| 2025-05-12 | Ngo Agnes Catherine | Sell | 3.3K | $27.71 |
| 2025-04-29 | Yonamine Paul K | Grant | 826 | $25.97 |
| 2025-04-29 | Ngo Agnes Catherine | Grant | 898 | $25.97 |
| 2025-02-18 | Martines Arnold D | Grant | 13K | — |
| 2025-02-18 | Martines Arnold D | Grant | 2.0K | — |
| 2025-02-18 | Martines Arnold D | Grant | 3.7K | — |
| 2025-02-18 | Martines Arnold D | Tax withheld | 959 | $29.69 |
| 2025-02-18 | Martines Arnold D | Tax withheld | 1.8K | $29.69 |
| 2025-02-18 | Martines Arnold D | Tax withheld | 2.2K | $29.69 |
| 2025-02-18 | Martines Arnold D | Tax withheld | 771 | $29.69 |
| 2025-02-18 | Martines Arnold D | Tax withheld | 1.4K | $29.69 |
| 2025-02-18 | Jo Kisan | Grant | 2.8K | — |
| 2025-02-18 | Jo Kisan | Grant | 683 | — |
| 2025-02-18 | Jo Kisan | Grant | 1.2K | — |
| 2025-02-18 | Jo Kisan | Tax withheld | 221 | $29.69 |
| 2025-02-18 | Jo Kisan | Tax withheld | 404 | $29.69 |
| 2025-02-18 | Jo Kisan | Tax withheld | 357 | $29.69 |
| 2025-02-18 | Jo Kisan | Tax withheld | 445 | $29.69 |
| 2025-02-18 | Jo Kisan | Tax withheld | 217 | $29.69 |
| 2025-02-18 | Jo Kisan | Tax withheld | 361 | $29.69 |
| 2025-02-18 | Anna Hu | Grant | 2.8K | — |
| 2025-02-18 | Anna Hu | Grant | 547 | — |
| 2025-02-18 | Anna Hu | Grant | 1.0K | — |
| 2025-02-18 | Anna Hu | Tax withheld | 177 | $29.69 |
| 2025-02-18 | Anna Hu | Tax withheld | 324 | $29.69 |
| 2025-02-18 | Anna Hu | Tax withheld | 451 | $29.69 |
| 2025-02-18 | Anna Hu | Tax withheld | 340 | $29.69 |
| 2025-02-18 | Anna Hu | Tax withheld | 174 | $29.69 |
| 2025-02-18 | Murakami Diane | Grant | 2.7K | — |
| 2025-02-18 | Murakami Diane | Grant | 517 | — |
| 2025-02-18 | Murakami Diane | Grant | 948 | — |
| 2025-02-18 | Murakami Diane | Tax withheld | 167 | $29.69 |
| 2025-02-18 | Murakami Diane | Tax withheld | 306 | $29.69 |
| 2025-02-18 | Murakami Diane | Tax withheld | 165 | $29.69 |
| 2025-02-18 | Murakami Diane | Tax withheld | 337 | $29.69 |
| 2025-02-18 | Murakami Diane | Tax withheld | 431 | $29.69 |
| 2025-02-18 | Morimoto David | Grant | 6.6K | — |
| 2025-02-18 | Morimoto David | Grant | 1.8K | — |
| 2025-02-18 | Morimoto David | Grant | 3.3K | — |
| 2025-02-18 | Morimoto David | Tax withheld | 579 | $29.69 |
| 2025-02-18 | Morimoto David | Tax withheld | 1.1K | $29.69 |
| 2025-02-18 | Morimoto David | Tax withheld | 1.3K | $29.69 |
| 2025-02-18 | Morimoto David | Tax withheld | 834 | $29.69 |
| 2025-02-18 | Morimoto David | Tax withheld | 568 | $29.69 |
| 2025-02-18 | Mesick Ralph | Grant | 5.1K | — |
| 2025-02-18 | Yonamine Paul K | Grant | 4.1K | — |
| 2025-02-18 | Yonamine Paul K | Grant | 7.5K | — |
| 2025-02-18 | Ngo Agnes Catherine | Grant | 2.6K | — |
| 2025-02-18 | Ngo Agnes Catherine | Grant | 4.7K | — |
| 2025-02-18 | Paloma Diane S.L. | Grant | 526 | $29.69 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-04 | Shareholder vote | filing ↗ |
| 2026-04-29 | ResultsReg FDExhibits | filing ↗ |
| 2026-01-28 | ResultsReg FDExhibits | filing ↗ |
| 2025-12-16 | Reg FDExhibits | filing ↗ |
| 2025-11-07 | Exec/director change | filing ↗ |
| 2025-10-29 | ResultsReg FDExhibits | filing ↗ |
| 2025-10-01 | Exec/director change | filing ↗ |
| 2025-08-25 | Exec/director change | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-04 | 2026-04-30 | 0000701347-26-000032 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0000701347-26-000025 ↗ |
| 10-Q | 2026-04-29 | 2026-03-31 | 0000701347-26-000028 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0000701347-26-000021 ↗ |
| 8-K | 2026-01-28 | 2026-01-28 | 0000701347-26-000003 ↗ |
| 8-K | 2025-12-16 | 2025-12-16 | 0000701347-25-000063 ↗ |
| 8-K | 2025-11-07 | 2025-11-06 | 0000701347-25-000054 ↗ |
| 10-Q | 2025-10-29 | 2025-09-30 | 0000701347-25-000049 ↗ |
| 8-K | 2025-10-29 | 2025-10-29 | 0000701347-25-000047 ↗ |
| 8-K | 2025-10-01 | 2025-09-30 | 0000701347-25-000042 ↗ |
| 8-K | 2025-08-25 | 2025-08-25 | 0000701347-25-000032 ↗ |
| 10-Q | 2025-08-05 | 2025-06-30 | 0000701347-25-000027 ↗ |