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Central Pacific Financial CPF Service charges on deposit accounts — In-Scope

Other product segments

Other service charges and fees
$5.76M+8.5%
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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$10.03M+5.0%
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BANCService charges on deposit accounts — Service charges on deposit accounts
$4.76M+6.9%
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$2.7M+12.3%
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FCAPService Charges On Deposit Accounts — Revenue (Gross)
$592K-0.2%
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HNVRService Charges On Deposit Accounts — Revenue (Gross)
$187.5K+59.9%

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 service charges on deposit accounts — in-scope?
Central Pacific Financial (CPF) reported service charges on deposit accounts — in-scope of $2.25M in Q2 2026.
How has Central Pacific Financial's service charges on deposit accounts — in-scope changed year-over-year?
Central Pacific Financial's service charges on deposit accounts — in-scope increased by 5.9% year-over-year, from $2.12M to $2.25M.
What is the long-term trend for Central Pacific Financial's service charges on deposit accounts — in-scope?
Over 4 years (2021 to 2025), Central Pacific Financial's service charges on deposit accounts — in-scope has grown at a 9.1% compound annual growth rate (CAGR), from $6.36M to $9.02M.
What does service charges on deposit accounts — in-scope mean?
This metric represents the portion of revenue generated from service charges on deposit accounts that is classified as in-scope for specific regulatory or internal reporting requirements. It captures fee-based income derived from account maintenance, overdrafts, and other transactional services provided to banking customers. Monitoring this figure helps analysts understand the stability and regulatory compliance of core non-interest income streams.

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