Central Pacific Financial Corp.

CPFNYSEFinancial Services● Active

$35.38

+$0.19(+0.54%)

Market Cap$923461482

P/E Ratio—

52W High$35.7575

52W Low$25.62

Avg Volume152K

Open$35.44

Beta0.85

Free Cash Flow Financials Revenue

Central Pacific Financial Corp. (CPF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CPF · free cash flow · updated Jun 8, 2026

Core FCF metrics

CPF · FCF · TTM · margin & CAGR

Free cash flow was $92.3M for FY2025 (fiscal year ending 2025-12-31), up 22.4% year-over-year The FCF margin was 25.5%. Five-year CAGR stands at +12.7%.

FY2025 Free Cash Flow$92.3M▲ +22.4% YoY

Trailing 12M (TTM)$87.6Mtrailing 4 quarters sum

FCF Margin25.5%$92.3M ÷ revenue

3-Year CAGR-1.2%FY2022 → FY2025

5-Year CAGR+12.7%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CPF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$97.5M(5M)$92.3M▲ +22.4%25.5%

FY2024$90.5M(15M)$75.4M▼ 18.4%22.1%

FY2023$105.1M(13M)$92.5M▼ 3.4%28.9%

FY2022$114.1M(18M)$95.7M▲ +8.3%34.5%

FY2021$110.5M(22M)$88.3M▲ +73.9%34.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CPF · P/FCF · FCF yield · FCF per share

Central Pacific Financial Corp. (CPF) trades at a FCF yield of 9.50% and a price-to-free-cash-flow ratio of 10.8x. FCF per share stands at $3.28, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

9.50%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.28

TTM FCF ÷ Shares Outstanding

Price / FCF

x10.8

Share Price ÷ FCF per Share

EV / FCF (TTM)

x7.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CPF · cash flow statement · operating / investing / financing

For FY2025, Central Pacific Financial Corp. generated $97.5M in operating cash flow and spent 5M in capital expenditures, yielding $92.3M in free cash flow.

Operating Activities

+$97.5M

Cash from core business operations

2025-12-31

Investing Activities

+$67.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$166.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($97.5M) − |CapEx| (5M) = FCF ($92.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CPF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Central Pacific Financial Corp.YOU

CPF

$92.3M+22.4%25.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Central Pacific Financial Corp. (CPF) reported free cash flow of $92.3M for FY2025 (fiscal year ending 2025-12-31), up 22.4% year-over-year. The FCF margin was 25.5%.

Based on available data, Central Pacific Financial Corp. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $100.3M in FY2018. The 5-year CAGR stands at +12.7%.

Central Pacific Financial Corp.'s FCF yield is 9.50% and price-to-FCF ratio is 10.8x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CPF free cash flow · 8 questions

Central Pacific Financial Corp. free cash flow was $92.3M for FY2025, up 22.4% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $87.6M.

CPF free cash flowCPF FCFCPF FCF 2025CPF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Central Pacific Financial Corp. · Central Pacific Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026