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CENTRAL PACIFIC FINANCIAL CORP (CPF)

CENTRAL PACIFIC FINANCIAL CORP (CPF)

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Cash Flow Overview

Change in Cash
-$23,325K
Free Cash flow
$40,975K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Loan payments, net
    • Net income
    • Proceeds from maturities, prepay...
    • Others
Negative Cash Flow Breakdown
    • Purchases of investment securiti...
    • Purchases of loan portfolios
    • Repurchases of common stock and ...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
20,822
20,725
22,875
18,574
Provision for credit losses
4,382
2,353
2,396
4,157
Depreciation and amortization of premises and equipment
1,721
1,728
1,746
1,794
Loss on disposal of premises and equipment
0
-
0
-1,992
Non-cash lease expense
25
0
-87
-
Cash flows from operating leases
1,262
1,232
1,206
1,283
Amortization of mortgage servicing rights
213
265
236
210
Net accretion of discount on investment securities
388
330
365
375
Share-based compensation
1,043
579
633
642
Net loss (gain) on sales of investment securities
-
-
0
-30
Net gain on sales of residential mortgage loans
197
205
719
441
Proceeds from sales of loans held for sale
10,496
8,448
42,832
23,947
Originations of loans held for sale
10,184
9,808
41,640
25,063
Equity in the earnings of unconsolidated entities
26
13
69
4
Distributions from unconsolidated entities
52
30
63
865
Net increase in cash surrender value of bank-owned life insurance
3,000
399
1,671
3,024
Deferred income tax
2,191
-2,974
-14,638
2,385
Net tax expense from share-based compensation
0
0
-133
0
Net change in other assets and liabilities
-15,624
-548
-9,911
2,084
Net cash provided by operating activities
42,898
18,329
20,517
22,235
Purchases of investment securities available-for-sale
76,206
48,862
0
0
Proceeds from maturities, prepayments and calls of investment securities available-for-sale
17,340
15,800
16,416
17,420
Proceeds from sales of investment securities available-for-sale
-
-
0
1,480
Proceeds from maturities, prepayments and calls of investment securities held-to-maturity
10,808
9,188
9,920
11,187
Loan payments, net
-31,973
17,872
-75,649
44,478
Purchases of loan portfolios
23,524
15,795
0
34,129
Proceeds from sales of loans originated for investment
-
-
0
-
Purchases of bank-owned life insurance
836
182
130
301
Proceeds from bank-owned life insurance death benefits
0
-
828
1,221
Purchases of premises, equipment and land
1,923
1,066
1,401
873
Proceeds from sales of premises, equipment and land
-
-
0
-
Net return of capital from unconsolidated entities
-
-
0
-
Contributions to unconsolidated entities
1
4,202
5,717
3,509
Net redemption (purchases) of frb and fhlb stock
-62
1,154
-621
-399
Net cash (used in) provided by investing activities
-42,431
-61,837
94,944
-52,381
Net increase (decrease) in deposits
-3,600
89,590
32,080
32,695
Net decrease in fhlb advances and other short-term borrowings
-
-
0
-
Proceeds from long-term debt
-
-
0
-
Repayments of long-term debt
0
0
55,000
0
Cash dividends paid on common stock
7,527
7,614
7,460
7,282
Repurchases of common stock and other related costs
11,269
10,525
16,321
2,344
Common shares withheld to satisfy tax obligations related to sharebased compensation
10
1,386
-
-
Proceeds from sale of visa class b common stock
0
-
-
-
Net cash provided by (used in) financing activities
-23,792
71,451
-46,701
23,069
Net increase (decrease) in cash and cash equivalents
-23,325
27,943
68,760
-7,077
Cash and cash equivalents at beginning of period
406,596
378,653
309,893
380,941
Cash and cash equivalents at end of period
383,271
406,596
378,653
309,893
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$20,822K (-42.21%↓ Y/Y)Net change in otherassets and liabilities-$15,624K (-100.18%↓ Y/Y)Proceeds from sales ofloans held for sale$10,496K (-72.12%↓ Y/Y)Provision for creditlosses$4,382K (-52.16%↓ Y/Y)Deferred income tax$2,191K (167.67%↑ Y/Y)Depreciation andamortization of premises and...$1,721K (-51.70%↓ Y/Y)Share-based compensation$1,043K (6.54%↑ Y/Y)Amortization of mortgageservicing rights$213K (-46.35%↓ Y/Y)Distributions fromunconsolidated entities$52K (300.00%↑ Y/Y)Non-cash lease expense$25K (-71.26%↓ Y/Y)Net cash provided byoperating activities$42,898K (-21.59%↓ Y/Y)Canceled cashflow$15,057K Net increase(decrease) in cash and cash...-$23,325K (63.54%↑ Y/Y)Canceled cashflow$42,898K Loan payments, net-$31,973K (67.96%↑ Y/Y)Proceeds frommaturities, prepayments and...$17,340K (-58.34%↓ Y/Y)Proceeds frommaturities, prepayments and...$10,808K (-44.20%↓ Y/Y)Originations of loans held forsale$10,184K (-67.69%↓ Y/Y)Net increase in cashsurrender value of...$3,000K (8.81%↑ Y/Y)Cash flows fromoperating leases$1,262K (-50.68%↓ Y/Y)Net accretion ofdiscount on investment...$388K (-28.55%↓ Y/Y)Net gain on sales ofresidential mortgage loans$197K (-57.91%↓ Y/Y)Equity in the earningsof unconsolidated...$26K (-21.21%↓ Y/Y)Net cash (used in)provided by investing...-$42,431K (-272.32%↓ Y/Y)Canceled cashflow$60,121K Net cash provided by(used in) financing...-$23,792K (83.40%↑ Y/Y)Purchases of investmentsecurities...$76,206K (50.63%↑ Y/Y)Purchases of loanportfolios$23,524K (-64.07%↓ Y/Y)Purchases of premises,equipment and land$1,923K (-33.41%↓ Y/Y)Purchases of bank-ownedlife insurance$836K (15.15%↑ Y/Y)Net redemption(purchases) of frb and fhlb...-$62K (99.65%↑ Y/Y)Contributions tounconsolidated entities$1K (-99.85%↓ Y/Y)Repurchases of common stockand other related...$11,269K (141.25%↑ Y/Y)Cash dividends paidon common stock$7,527K (-48.49%↓ Y/Y)Net increase(decrease) in deposits-$3,600K (96.36%↑ Y/Y)something is missing-$1,386K Common shares withheldto satisfy tax...$10K