All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2018-05-17.
From the record
Central Pacific Financial Corporation's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2018-05-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+7.3% a year over 10 filed years; profitable in 10 of 10.
From the record
Central Pacific Financial Corporation's 10 filed years say what it did: revenue went from $167 million in fiscal 2016 to $314 million in fiscal 2025, up 7.3% a year; it rose in 8 of 9 years; the deepest fall was 2% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.6% a year. 29% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Central Pacific Financial Corporation's diluted share count shrank about 0.6% a year, and dividends and buybacks returned about 29% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 13%: 13¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Central Pacific Financial Corporation earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 43% of 155 in its family; net margin 24.7%.
From the record
Central Pacific Financial Corporation's standing among 155 graded names in its industry family: revenue of $314 million in fiscal 2025 ranks in the bottom 47% by size; a net margin of 24.7% ranks in the top 35%; revenue growth of 10.5% a year over the last 3 filed years ranks in the bottom 17% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 41% of 150 in its family for leadership; chief executive since 2023.
From the record
Central Pacific Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Martines, Arnold D (Chairman, President & CEO, as filed), filing under that title since 2023-02-17, 3.7 years (bottom 21% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 9.4 years (top 22%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (bottom 23%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 32% of 142 in its family for room to expand.
From the record
Central Pacific Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $379 million against debt of $77 million leaves 4.1% of its assets as net cash, top 40% of its family; cash from operations less capital spending is 29.4% of revenue (top 25%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 29% of 152 in its family for growth drivers.
From the record
Central Pacific Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 10.5% a year over the last three filed years against 7.3% over all 10, speeding up (bottom 43% of its family); the newest year grew 2.6% (bottom 38%); capital spending grew -34.6% a year (bottom 6%) (its annual reports). Central Pacific Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 26% of 150 in its family for expectations against reality.
From the record
Central Pacific Financial Corporation's newest year against its own record: revenue of $314 million in fiscal 2025 came in 10.5% below the $351 million its prior three years' pace pointed to (top 33% of its family); net income of $77 million against a prior three-year average of $62 million (top 28%); a net margin of 24.7% against 23.3% before (top 16%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made