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Central Pacific Financial CPF Other service charges and fees — In-Scope

Other product segments

Service charges on deposit accounts
$2.25M+5.9%
Income from fiduciary activities
$1.58M+5.3%
Other
$379K
Mortgage banking income
$326K+65.5%
Income from bank-owned life insurance
$0

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BHRBAdvisory fees — Service charges and fees
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BHRBTrust fees — Service charges and fees
$1.53M+24.5%
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OCFCFees and service charges — Revenue
$3.39M-31.8%

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:RevenueFromContractWithCustomerIncludingAssessedTax.

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 other service charges and fees — in-scope?
Central Pacific Financial (CPF) reported other service charges and fees — in-scope of $5.76M in Q2 2026.
How has Central Pacific Financial's other service charges and fees — in-scope changed year-over-year?
Central Pacific Financial's other service charges and fees — in-scope increased by 8.5% year-over-year, from $5.31M to $5.76M.
What is the long-term trend for Central Pacific Financial's other service charges and fees — in-scope?
Over 4 years (2021 to 2025), Central Pacific Financial's other service charges and fees — in-scope has grown at a 8.7% compound annual growth rate (CAGR), from $15.28M to $21.35M.
What does other service charges and fees — in-scope mean?
This metric represents the portion of fee-based income derived from core banking services that are categorized within the primary scope of the institution's service charge reporting framework. It captures recurring revenue streams generated from customer account activities and ancillary financial services that are central to the bank's operational strategy. Monitoring this figure helps investors assess the stability and growth of the bank's non-interest income base.

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