For the quarter ending 2025-09-30, CPF had -$7,077K decrease in cash & cash equivalents over the period. $21,362K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 18,574 | 36,031 |
| Provision for credit losses | 4,157 | 9,159 |
| Depreciation and amortization of premises and equipment | 1,794 | 3,563 |
| Loss on disposal of premises and equipment | -1,992 | -10 |
| Cash flows from operating leases | 1,283 | 2,559 |
| Amortization of mortgage servicing rights | 210 | 397 |
| Net (accretion of discount) amortization of premium on investment securities | 375 | 543 |
| Share-based compensation | 642 | 979 |
| Net loss (gain) on sales of investment securities | -30 | - |
| Net gain on sales of residential mortgage loans | 441 | 468 |
| Proceeds from sales of loans held for sale | 23,947 | 37,653 |
| Originations of loans held for sale | 25,063 | 31,523 |
| Equity in the (earnings) losses of unconsolidated entities | 4 | 33 |
| Distributions from unconsolidated entities | 865 | 13 |
| Net increase in cash surrender value of bank-owned life insurance | 3,024 | 2,757 |
| Non-cash lease expense | - | 87 |
| Deferred income tax expense | 2,385 | -3,238 |
| Net tax expense from share-based compensation | 0 | -137 |
| Net change in other assets and liabilities | 2,084 | -7,805 |
| Net cash provided by operating activities | 22,235 | 54,713 |
| Purchases of investment securities available-for-sale | 0 | 50,592 |
| Proceeds from maturities, prepayments and calls of investment securities available-for-sale | 17,420 | 41,623 |
| Proceeds from sales of investment securities available-for-sale | 1,480 | - |
| Proceeds from maturities, prepayments and calls of investment securities held-to-maturity | 11,187 | 19,370 |
| Net loan payments received | 44,478 | -99,776 |
| Purchases of loan portfolios | 34,129 | 65,463 |
| Purchases of bank-owned life insurance | 301 | 726 |
| Proceeds from bank-owned life insurance death benefits | 1,221 | 2,060 |
| Net purchases of premises and equipment | 873 | 2,888 |
| Contributions to unconsolidated entities | 3,509 | 650 |
| Net purchases of fhlb and frb stock | -399 | -17,887 |
| Net cash (used in) provided by investing activities | -52,381 | 24,623 |
| Net decrease in deposits | 32,695 | -99,022 |
| Repayments of long-term debt | 0 | 25,000 |
| Cash dividends paid on common stock | 7,282 | 14,614 |
| Repurchases of common stock and other related costs | 2,344 | 4,671 |
| Net cash used in financing activities | 23,069 | -143,307 |
| Net decrease in cash and cash equivalents | -7,077 | -63,971 |
| Cash and cash equivalents at beginning of period | 380,941 | - |
| Cash and cash equivalents at end of period | 309,893 | - |
CENTRAL PACIFIC FINANCIAL CORP (CPF)
CENTRAL PACIFIC FINANCIAL CORP (CPF)