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Central Pacific Financial CPF Mortgage banking income — Out-of-Scope

Other product segments

Income from bank-owned life insurance
$3M+32.7%
Other service charges and fees
$570K-11.8%
Other
$389K-8.9%
Income from fiduciary activities
$0
Service charges on deposit accounts
$0

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NJRHSO — Revenues out of scope
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NJRS&T — Revenues out of scope
$0

Other financials

Income statement

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Revenue$77.5M+6.4%
Net income$20.8M+14.0%
EPS (diluted)$0.80+19.4%

Balance sheet

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Total debt$100.6M-38.4%
Total equity$596.3M+4.8%
Total assets$7.5B+1.8%

Cash flow

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Operating cash flow$42.9M+22.3%
CapEx$1.9M-3.8%
Free cash flow$41.0M+23.9%

Valuation

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Market cap$1B+38.0%
P/E12.1×+0.1×
P/S3.3×+0.6×

Profitability

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Net margin27.5%+4.8pp
FCF margin32.5%-2.4pp

Returns & leverage

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Return on equity14.2%+3.1pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Central Pacific Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueNotFromContractWithCustomer.

The source filing: Central Pacific Financial’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000701347-26-000068
(dollars in thousands)Three Months Ended June 30, 2026 / In-ScopeThree Months Ended June 30, 2026 / Out-of-ScopeThree Months Ended June 30, 2026 / TotalThree Months Ended June 30, 2025 / In-ScopeThree Months Ended June 30, 2025 / Out-of-ScopeThree Months Ended June 30, 2025 / Total
Other operating income:
Mortgage banking income$326$367$693$197$547$744
Service charges on deposit accounts2,2502,2502,1242,124
Other service charges and fees5,7605706,3305,3116465,957
Income from fiduciary activities1,5801,5801,5011,501
Income from bank-owned life insurance2,9992,9992,2602,260
Other379389768427427
Total other operating income$10,295$4,325$14,620$9,133$3,880$13,013

Item 1. Financial Statements (Unaudited)

FAQ

What is Central Pacific Financial's mortgage banking income — out-of-scope?
Central Pacific Financial (CPF) reported mortgage banking income — out-of-scope of $367K in Q2 2026.
How has Central Pacific Financial's mortgage banking income — out-of-scope changed year-over-year?
Central Pacific Financial's mortgage banking income — out-of-scope decreased by 32.9% year-over-year, from $547K to $367K.
What is the long-term trend for Central Pacific Financial's mortgage banking income — out-of-scope?
Over 4 years (2021 to 2025), Central Pacific Financial's mortgage banking income — out-of-scope has grown at a -19.1% compound annual growth rate (CAGR), from $5.74M to $2.45M.
What does mortgage banking income — out-of-scope mean?
This metric captures mortgage banking income generated from activities that are excluded from the primary reporting scope or specific regulatory classifications. It reflects revenue from ancillary mortgage services or non-core banking activities that do not meet the criteria for the primary segment reporting. Analyzing this provides visibility into secondary revenue streams and the diversification of the mortgage banking business model.

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