For the quarter ending 2026-03-31, CPF had $27,943K increase in cash & cash equivalents over the period. $17,263K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 20,725 | 22,875 | 18,574 | 36,031 |
| Provision for credit losses | 2,353 | 2,396 | 4,157 | 9,159 |
| Depreciation and amortization of premises and equipment | 1,728 | 1,746 | 1,794 | 3,563 |
| Loss on disposal of premises and equipment | - | 0 | -1,992 | -10 |
| Non-cash lease expense | 0 | -87 | - | 87 |
| Cash flows from operating leases | 1,232 | 1,206 | 1,283 | 2,559 |
| Amortization of mortgage servicing rights | 265 | 236 | 210 | 397 |
| Net accretion of discount on investment securities | 330 | 365 | 375 | 543 |
| Common shares withheld to satisfy tax obligations related to sharebased compensation | 1,386 | - | - | - |
| Share-based compensation | 579 | 633 | 642 | 979 |
| Net loss (gain) on sales of investment securities | - | 0 | -30 | - |
| Net gain on sales of residential mortgage loans | 205 | 719 | 441 | 468 |
| Proceeds from sales of loans held for sale | 8,448 | 42,832 | 23,947 | 37,653 |
| Originations of loans held for sale | 9,808 | 41,640 | 25,063 | 31,523 |
| Equity in the earnings of unconsolidated entities | 13 | 69 | 4 | 33 |
| Distributions from unconsolidated entities | 30 | 63 | 865 | 13 |
| Net increase in cash surrender value of bank-owned life insurance | 399 | 1,671 | 3,024 | 2,757 |
| Deferred income tax (benefit) expense | -2,974 | -14,638 | 2,385 | -3,238 |
| Net tax expense from share-based compensation | 0 | -133 | 0 | -137 |
| Net change in other assets and liabilities | -548 | -9,911 | 2,084 | -7,805 |
| Net cash provided by operating activities | 18,329 | 20,517 | 22,235 | 54,713 |
| Purchases of investment securities available-for-sale | 48,862 | 0 | 0 | 50,592 |
| Proceeds from maturities, prepayments and calls of investment securities available-for-sale | 15,800 | 16,416 | 17,420 | 41,623 |
| Proceeds from sales of investment securities available-for-sale | - | 0 | 1,480 | - |
| Proceeds from maturities, prepayments and calls of investment securities held-to-maturity | 9,188 | 9,920 | 11,187 | 19,370 |
| Loan (originations) payments, net | 17,872 | -75,649 | 44,478 | -99,776 |
| Purchases of loan portfolios | 15,795 | 0 | 34,129 | 65,463 |
| Proceeds from sales of loans originated for investment | - | 0 | - | - |
| Purchases of bank-owned life insurance | 182 | 130 | 301 | 726 |
| Proceeds from bank-owned life insurance death benefits | - | 828 | 1,221 | 2,060 |
| Purchases of premises, equipment and land | 1,066 | 1,401 | 873 | 2,888 |
| Proceeds from sales of premises, equipment and land | - | 0 | - | - |
| Net return of capital from unconsolidated entities | - | 0 | - | - |
| Contributions to unconsolidated entities | 4,202 | 5,717 | 3,509 | 650 |
| Net redemption (purchases) of frb and fhlb stock | 1,154 | -621 | -399 | -17,887 |
| Net cash used in investing activities | -61,837 | 94,944 | -52,381 | 24,623 |
| Net increase (decrease) in deposits | 89,590 | 32,080 | 32,695 | -99,022 |
| Net decrease in fhlb advances and other short-term borrowings | - | 0 | - | - |
| Proceeds from long-term debt | - | 0 | - | - |
| Repayments of long-term debt | 0 | 55,000 | 0 | 25,000 |
| Cash dividends paid on common stock | 7,614 | 7,460 | 7,282 | 14,614 |
| Repurchases of common stock and other related costs | 10,525 | 16,321 | 2,344 | 4,671 |
| Net cash provided by (used in) financing activities | 71,451 | -46,701 | 23,069 | -143,307 |
| Net increase (decrease) in cash and cash equivalents | 27,943 | 68,760 | -7,077 | -63,971 |
| Cash and cash equivalents at beginning of period | 378,653 | 309,893 | 380,941 | - |
| Cash and cash equivalents at end of period | 406,596 | 378,653 | 309,893 | - |
CENTRAL PACIFIC FINANCIAL CORP (CPF)
CENTRAL PACIFIC FINANCIAL CORP (CPF)