Central Pacific Financial Corp Net Assets
Central Pacific Financial Corp net assets. Based on the latest financial reports, Central Pacific Financial Corp (CPF) has net assets worth $596.33 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.50 Billion) and total liabilities ($6.90 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore net asset momentum of Central Pacific Financial Corp to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $596.33 Million |
| % of Total Assets | 7.95% |
| Annual Growth Rate | 6.11% |
| 5-Year Change | 6.15% |
| 10-Year Change | 17.42% |
| Growth Volatility | 90.4 |
Net Assets of Central Pacific Financial Corp (1989–2025)
Net assets of Central Pacific Financial Corp from 1989 to 2025. This chart illustrates how Central Pacific Financial Corp's net assets have evolved over time, based on quarterly financial data. See Central Pacific Financial Corp (CPF) balance sheet quality index to measure how much of total assets are equity-financed.
Annual Net Assets for Central Pacific Financial Corp (1989–2025)
The table below shows the annual net assets of Central Pacific Financial Corp from 1989 to 2025. For live market cap and overall valuation, see market value of Central Pacific Financial Corp.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $592.58 Million | +10.07% |
| 2024-12-31 | $538.38 Million | +6.86% |
| 2023-12-31 | $503.81 Million | +11.25% |
| 2022-12-31 | $452.87 Million | -18.88% |
| 2021-12-31 | $558.27 Million | +2.11% |
| 2020-12-31 | $546.73 Million | +3.45% |
| 2019-12-31 | $528.52 Million | +7.48% |
| 2018-12-31 | $491.73 Million | -1.66% |
| 2017-12-31 | $500.04 Million | -0.92% |
| 2016-12-31 | $504.68 Million | +2.03% |
| 2015-12-31 | $494.64 Million | -12.92% |
| 2014-12-31 | $568.04 Million | -13.96% |
| 2013-12-31 | $660.17 Million | +28.24% |
| 2012-12-31 | $514.78 Million | +10.37% |
| 2011-12-31 | $466.42 Million | +513.27% |
| 2010-12-31 | $76.06 Million | -78.02% |
| 2009-12-31 | $345.99 Million | -35.49% |
| 2008-12-31 | $536.34 Million | -21.99% |
| 2007-12-31 | $687.51 Million | -8.49% |
| 2006-12-31 | $751.27 Million | +8.98% |
| 2005-12-31 | $689.39 Million | +18.73% |
| 2004-12-31 | $580.64 Million | +183.71% |
| 2003-12-31 | $204.66 Million | +11.53% |
| 2002-12-31 | $183.51 Million | +16.78% |
| 2001-12-31 | $157.13 Million | +9.64% |
| 2000-12-31 | $143.31 Million | -0.55% |
| 1999-12-31 | $144.10 Million | -2.70% |
| 1998-12-31 | $148.10 Million | -2.37% |
| 1997-12-31 | $151.70 Million | +7.67% |
| 1996-12-31 | $140.90 Million | +6.34% |
| 1995-12-31 | $132.50 Million | +9.41% |
| 1994-12-31 | $121.10 Million | +6.98% |
| 1993-12-31 | $113.20 Million | +12.41% |
| 1992-12-31 | $100.70 Million | +12.26% |
| 1991-12-31 | $89.70 Million | +13.26% |
| 1990-12-31 | $79.20 Million | +12.98% |
| 1989-12-31 | $70.10 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Central Pacific Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 728.5% over the analyzed period, indicating profitable operations and earnings retention.
Central Pacific Financial Corp Net Assets Breakdown (December 2025)
Central Pacific Financial Corp net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $191.38 Million | 32.30% |
| Common Stock | $381.16 Million | 64.32% |
| Other Comprehensive Income | $-87.27 Million | -14.73% |
| Other Components | $107.31 Million | 18.11% |
| Total Equity | $592.58 Million | 100.00% |
Central Pacific Financial Corp Competitors by Market Cap
The table below lists competitors of Central Pacific Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CSG Holding Co Ltd
SHE:000012
|
$1.00 Billion |
|
LX International Corp
KO:001120
|
$1.00 Billion |
|
Sichuan Zigong Conveying Machine Group Co Ltd
SHE:001288
|
$1.00 Billion |
|
Shanghai AJ Group Co Ltd
SHG:600643
|
$1.00 Billion |
|
Bank Pan Indonesia Tbk
JK:PNBN
|
$1.00 Billion |
|
Welspun Enterprises Limited
NSE:WELENT
|
$1.00 Billion |
|
FERRETTI S.P.A. O.N.
F:F3T1
|
$1.00 Billion |
|
Dividend 15 Split Corp
TO:DFN
|
$1.00 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Central Pacific Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 538,385,000 to 592,581,000, a change of 54,196,000 (10.1%).
- Net income of 77,480,000 contributed positively to equity growth.
- Dividend payments of 29,356,000 reduced retained earnings.
- Share repurchases of 23,336,000 reduced equity.
- Other comprehensive income increased equity by 27,154,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $77.48 Million | +13.08% |
| Dividends Paid | $29.36 Million | -4.95% |
| Share Repurchases | $23.34 Million | -3.94% |
| Other Comprehensive Income | $27.15 Million | +4.58% |
| Other Changes | $2.25 Million | +0.38% |
| Total Change | $- | 10.07% |
Book Value vs Market Value Analysis
This analysis compares Central Pacific Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.78x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.77x to 1.78x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1989-12-31 | $50.72 | $39.25 | x |
| 1990-12-31 | $57.14 | $39.25 | x |
| 1991-12-31 | $62.68 | $39.25 | x |
| 1992-12-31 | $70.27 | $39.25 | x |
| 1993-12-31 | $78.45 | $39.25 | x |
| 1994-12-31 | $83.86 | $39.25 | x |
| 1995-12-31 | $91.25 | $39.25 | x |
| 1996-12-31 | $97.04 | $39.25 | x |
| 1997-12-31 | $104.48 | $39.25 | x |
| 1998-12-31 | $103.06 | $39.25 | x |
| 1999-12-31 | $107.70 | $39.25 | x |
| 2000-12-31 | $114.38 | $39.25 | x |
| 2001-12-31 | $126.13 | $39.25 | x |
| 2002-12-31 | $154.17 | $39.25 | x |
| 2003-12-31 | $172.06 | $39.25 | x |
| 2004-12-31 | $411.79 | $39.25 | x |
| 2005-12-31 | $322.02 | $39.25 | x |
| 2006-12-31 | $347.36 | $39.25 | x |
| 2007-12-31 | $319.93 | $39.25 | x |
| 2008-12-31 | $266.21 | $39.25 | x |
| 2009-12-31 | $166.90 | $39.25 | x |
| 2010-12-31 | $31.59 | $39.25 | x |
| 2011-12-31 | $12.56 | $39.25 | x |
| 2012-12-31 | $12.00 | $39.25 | x |
| 2013-12-31 | $15.60 | $39.25 | x |
| 2014-12-31 | $14.97 | $39.25 | x |
| 2015-12-31 | $15.15 | $39.25 | x |
| 2016-12-31 | $16.16 | $39.25 | x |
| 2017-12-31 | $16.32 | $39.25 | x |
| 2018-12-31 | $16.61 | $39.25 | x |
| 2019-12-31 | $18.43 | $39.25 | x |
| 2020-12-31 | $19.40 | $39.25 | x |
| 2021-12-31 | $19.76 | $39.25 | x |
| 2022-12-31 | $16.43 | $39.25 | x |
| 2023-12-31 | $18.60 | $39.25 | x |
| 2024-12-31 | $19.80 | $39.25 | x |
| 2025-12-31 | $22.09 | $39.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Central Pacific Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.08%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.38%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 12.50x
- Recent ROE (13.08%) is above the historical average (-2.56%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1989 | 13.41% | 11.42% | 0.09x | 13.20x | $2.39 Million |
| 1990 | 14.52% | 11.69% | 0.09x | 13.09x | $3.58 Million |
| 1991 | 14.16% | 11.91% | 0.09x | 12.65x | $3.73 Million |
| 1992 | 14.50% | 13.80% | 0.08x | 12.45x | $4.53 Million |
| 1993 | 14.05% | 15.41% | 0.08x | 11.51x | $4.58 Million |
| 1994 | 11.15% | 12.92% | 0.08x | 11.41x | $1.39 Million |
| 1995 | 10.42% | 11.64% | 0.09x | 10.35x | $550.00K |
| 1996 | 10.01% | 12.26% | 0.08x | 9.96x | $10.00K |
| 1997 | 9.89% | 12.39% | 0.08x | 9.87x | $-170.00K |
| 1998 | 10.20% | 11.74% | 0.08x | 10.54x | $290.00K |
| 1999 | 11.31% | 12.95% | 0.08x | 11.43x | $1.89 Million |
| 2000 | 13.56% | 14.10% | 0.08x | 12.68x | $5.10 Million |
| 2001 | 19.52% | 19.94% | 0.08x | 12.48x | $14.00 Million |
| 2002 | 19.19% | 24.89% | 0.07x | 11.69x | $15.94 Million |
| 2003 | 17.44% | 26.92% | 0.06x | 11.15x | $14.48 Million |
| 2004 | 6.59% | 21.69% | 0.04x | 8.19x | $-19.39 Million |
| 2005 | 10.72% | 23.82% | 0.06x | 7.75x | $4.84 Million |
| 2006 | 10.73% | 21.78% | 0.07x | 7.43x | $5.37 Million |
| 2007 | 0.86% | 1.47% | 0.07x | 8.42x | $-61.63 Million |
| 2008 | -26.30% | -38.64% | 0.07x | 10.32x | $-191.04 Million |
| 2009 | -93.39% | -104.08% | 0.06x | 14.49x | $-347.34 Million |
| 2010 | -379.93% | -119.72% | 0.05x | 59.62x | $-257.56 Million |
| 2011 | 8.01% | 18.95% | 0.05x | 9.05x | $-9.07 Million |
| 2012 | 9.39% | 25.14% | 0.04x | 8.66x | $-3.06 Million |
| 2013 | 26.07% | 88.50% | 0.04x | 7.18x | $106.06 Million |
| 2014 | 7.12% | 21.24% | 0.04x | 8.54x | $-16.35 Million |
| 2015 | 9.27% | 24.11% | 0.04x | 10.37x | $-3.59 Million |
| 2016 | 9.31% | 23.39% | 0.04x | 10.67x | $-3.47 Million |
| 2017 | 8.24% | 19.20% | 0.04x | 11.25x | $-8.80 Million |
| 2018 | 12.10% | 25.63% | 0.04x | 11.81x | $10.31 Million |
| 2019 | 11.03% | 26.30% | 0.04x | 11.38x | $5.47 Million |
| 2020 | 6.82% | 14.47% | 0.04x | 12.06x | $-17.40 Million |
| 2021 | 14.31% | 30.75% | 0.04x | 13.29x | $24.07 Million |
| 2022 | 16.32% | 26.68% | 0.04x | 16.41x | $28.64 Million |
| 2023 | 11.64% | 18.36% | 0.04x | 15.17x | $8.29 Million |
| 2024 | 9.92% | 15.69% | 0.05x | 13.88x | $-426.50K |
| 2025 | 13.08% | 21.38% | 0.05x | 12.50x | $18.22 Million |
Industry Comparison
This section compares Central Pacific Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $627,551,500
- Average return on equity (ROE) among peers: 7.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Central Pacific Financial Corp (CPF) | $596.33 Million | 13.41% | 11.58x | $1.00 Billion |
| Ameris Bancorp (ABCB) | $239.36 Million | -1.64% | 9.06x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.65 Billion |
| ACNB Corporation (ACNB) | $110.02 Million | 9.35% | 8.91x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $359.40 Million | 14.66% | 8.44x | $829.34 Million |
| Amalgamated Bank (AMAL) | $344.07 Million | 1.78% | 10.75x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $166.38 Million | 13.18% | 10.80x | $724.09 Million |
| Associated Banc-Corp (ASB) | $4.09 Billion | 7.50% | 7.17x | $5.91 Billion |
| AmeriServ Financial Inc (ASRV) | $98.61 Million | 6.11% | 10.88x | $78.95 Million |
About Central Pacific Financial Corp
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage s… Read more