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Side-by-side financial comparison of Black Rock Coffee Bar, Inc. (BRCB) and CENTRAL PACIFIC FINANCIAL CORP (CPF). Click either name above to swap in a different company.
CENTRAL PACIFIC FINANCIAL CORP is the larger business by last-quarter revenue ($72.9M vs $51.5M, roughly 1.4× Black Rock Coffee Bar, Inc.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs -1.4%, a 29.8% gap on every dollar of revenue.
Black Rock Coffee Bar, Inc. is a U.S.-based specialty coffee retail chain that offers handcrafted premium coffee beverages, energy drinks, baked goods, and light snacks. It operates in-store and drive-thru locations primarily across western U.S. states, prioritizing high-quality customizable products and community-focused consumer experiences.
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
BRCB vs CPF — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $51.5M | $72.9M |
| Net Profit | $-712.0K | $20.7M |
| Gross Margin | — | — |
| Operating Margin | -12.4% | — |
| Net Margin | -1.4% | 28.4% |
| Revenue YoY | — | 6.0% |
| Net Profit YoY | — | 16.7% |
| EPS (diluted) | $-0.05 | $0.78 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $72.9M | ||
| Q4 25 | — | $76.3M | ||
| Q3 25 | $51.5M | $74.8M | ||
| Q2 25 | — | $72.8M | ||
| Q1 25 | — | $68.8M | ||
| Q4 24 | — | $58.4M | ||
| Q3 24 | — | $66.6M | ||
| Q2 24 | — | $64.0M |
| Q1 26 | — | $20.7M | ||
| Q4 25 | — | $22.9M | ||
| Q3 25 | $-712.0K | $18.6M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | — | $17.8M | ||
| Q4 24 | — | $11.3M | ||
| Q3 24 | — | $13.3M | ||
| Q2 24 | — | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 37.0% | ||
| Q3 25 | -12.4% | 31.6% | ||
| Q2 25 | — | 32.8% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 23.0% | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 32.2% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | — | 30.0% | ||
| Q3 25 | -1.4% | 24.8% | ||
| Q2 25 | — | 25.1% | ||
| Q1 25 | — | 25.8% | ||
| Q4 24 | — | 19.4% | ||
| Q3 24 | — | 20.0% | ||
| Q2 24 | — | 24.7% |
| Q1 26 | — | $0.78 | ||
| Q4 25 | — | $0.85 | ||
| Q3 25 | $-0.05 | $0.69 | ||
| Q2 25 | — | $0.67 | ||
| Q1 25 | — | $0.65 | ||
| Q4 24 | — | $0.42 | ||
| Q3 24 | — | $0.49 | ||
| Q2 24 | — | $0.58 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $32.6M | — |
| Total DebtLower is stronger | $20.0M | $76.5M |
| Stockholders' EquityBook value | $43.0M | $593.9M |
| Total Assets | $323.2M | $7.5B |
| Debt / EquityLower = less leverage | 0.46× | 0.13× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $32.6M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $76.5M | ||
| Q4 25 | — | $76.5M | ||
| Q3 25 | $20.0M | $131.5M | ||
| Q2 25 | — | $131.5M | ||
| Q1 25 | — | $131.4M | ||
| Q4 24 | — | $156.3M | ||
| Q3 24 | — | $156.3M | ||
| Q2 24 | — | $156.2M |
| Q1 26 | — | $593.9M | ||
| Q4 25 | — | $592.6M | ||
| Q3 25 | $43.0M | $588.1M | ||
| Q2 25 | — | $568.9M | ||
| Q1 25 | — | $557.4M | ||
| Q4 24 | — | $538.4M | ||
| Q3 24 | — | $543.7M | ||
| Q2 24 | — | $518.6M |
| Q1 26 | — | $7.5B | ||
| Q4 25 | — | $7.4B | ||
| Q3 25 | $323.2M | $7.4B | ||
| Q2 25 | — | $7.4B | ||
| Q1 25 | — | $7.4B | ||
| Q4 24 | — | $7.5B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.4B |
| Q1 26 | — | 0.13× | ||
| Q4 25 | — | 0.13× | ||
| Q3 25 | 0.46× | 0.22× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.29× | ||
| Q3 24 | — | 0.29× | ||
| Q2 24 | — | 0.30× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-2.9M | — |
| Free Cash FlowOCF − Capex | $-25.8M | — |
| FCF MarginFCF / Revenue | -50.2% | — |
| Capex IntensityCapex / Revenue | 44.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $97.5M | ||
| Q3 25 | $-2.9M | $22.2M | ||
| Q2 25 | — | $34.3M | ||
| Q1 25 | — | $20.4M | ||
| Q4 24 | — | $90.5M | ||
| Q3 24 | — | $21.3M | ||
| Q2 24 | — | $25.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $92.3M | ||
| Q3 25 | $-25.8M | $21.4M | ||
| Q2 25 | — | $32.3M | ||
| Q1 25 | — | $19.6M | ||
| Q4 24 | — | $75.4M | ||
| Q3 24 | — | $15.6M | ||
| Q2 24 | — | $21.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 121.0% | ||
| Q3 25 | -50.2% | 28.6% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 129.2% | ||
| Q3 24 | — | 23.5% | ||
| Q2 24 | — | 33.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.8% | ||
| Q3 25 | 44.5% | 1.2% | ||
| Q2 25 | — | 2.7% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 25.8% | ||
| Q3 24 | — | 8.5% | ||
| Q2 24 | — | 7.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.26× | ||
| Q3 25 | — | 1.20× | ||
| Q2 25 | — | 1.88× | ||
| Q1 25 | — | 1.15× | ||
| Q4 24 | — | 7.98× | ||
| Q3 24 | — | 1.60× | ||
| Q2 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
