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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and FARMERS NATIONAL BANC CORP (FMNB). Click either name above to swap in a different company.
CENTRAL PACIFIC FINANCIAL CORP is the larger business by last-quarter revenue ($76.3M vs $71.5M, roughly 1.1× FARMERS NATIONAL BANC CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 30.0% vs 20.5%, a 9.5% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (30.6% vs 3.2%). CENTRAL PACIFIC FINANCIAL CORP produced more free cash flow last quarter ($92.3M vs $52.2M). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (11.4% CAGR vs 6.2%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Farmers National Banc Corp (OH) is a regional financial holding company based in Ohio, the United States. It offers full-spectrum retail and commercial banking products, wealth management solutions, and insurance services, primarily catering to individual consumers, small and medium-sized enterprises, and local community clients in Ohio and adjacent Midwestern U.S. regions.
CPF vs FMNB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $76.3M | $71.5M |
| Net Profit | $22.9M | $14.6M |
| Gross Margin | — | — |
| Operating Margin | 37.0% | 24.8% |
| Net Margin | 30.0% | 20.5% |
| Revenue YoY | 30.6% | 3.2% |
| Net Profit YoY | 101.6% | 1.7% |
| EPS (diluted) | $0.85 | $0.39 |
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.
| Q4 25 | $76.3M | $71.5M | ||
| Q3 25 | $74.8M | $70.8M | ||
| Q2 25 | $72.8M | $69.8M | ||
| Q1 25 | $68.8M | $67.8M | ||
| Q4 24 | $58.4M | $69.3M | ||
| Q3 24 | $66.6M | $70.3M | ||
| Q2 24 | $64.0M | $66.5M | ||
| Q1 24 | $61.4M | $63.4M |
| Q4 25 | $22.9M | $14.6M | ||
| Q3 25 | $18.6M | $12.5M | ||
| Q2 25 | $18.3M | $13.9M | ||
| Q1 25 | $17.8M | $13.6M | ||
| Q4 24 | $11.3M | $14.4M | ||
| Q3 24 | $13.3M | $8.5M | ||
| Q2 24 | $15.8M | $11.8M | ||
| Q1 24 | $12.9M | $11.2M |
| Q4 25 | 37.0% | 24.8% | ||
| Q3 25 | 31.6% | 20.7% | ||
| Q2 25 | 32.8% | 23.4% | ||
| Q1 25 | 32.8% | 24.1% | ||
| Q4 24 | 23.0% | 25.5% | ||
| Q3 24 | 25.6% | 14.4% | ||
| Q2 24 | 32.2% | 21.3% | ||
| Q1 24 | 27.5% | 21.2% |
| Q4 25 | 30.0% | 20.5% | ||
| Q3 25 | 24.8% | 17.6% | ||
| Q2 25 | 25.1% | 19.9% | ||
| Q1 25 | 25.8% | 20.0% | ||
| Q4 24 | 19.4% | 20.8% | ||
| Q3 24 | 20.0% | 12.1% | ||
| Q2 24 | 24.7% | 17.7% | ||
| Q1 24 | 21.1% | 17.7% |
| Q4 25 | $0.85 | $0.39 | ||
| Q3 25 | $0.69 | $0.33 | ||
| Q2 25 | $0.67 | $0.37 | ||
| Q1 25 | $0.65 | $0.36 | ||
| Q4 24 | $0.42 | $0.38 | ||
| Q3 24 | $0.49 | $0.23 | ||
| Q2 24 | $0.58 | $0.31 | ||
| Q1 24 | $0.48 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $76.5M | $86.7M |
| Stockholders' EquityBook value | $592.6M | $485.7M |
| Total Assets | $7.4B | $5.2B |
| Debt / EquityLower = less leverage | 0.13× | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $76.5M | $86.7M | ||
| Q3 25 | $131.5M | $86.6M | ||
| Q2 25 | $131.5M | $86.4M | ||
| Q1 25 | $131.4M | $86.3M | ||
| Q4 24 | $156.3M | $86.2M | ||
| Q3 24 | $156.3M | $86.0M | ||
| Q2 24 | $156.2M | $88.9M | ||
| Q1 24 | $156.2M | $88.8M |
| Q4 25 | $592.6M | $485.7M | ||
| Q3 25 | $588.1M | $465.9M | ||
| Q2 25 | $568.9M | $437.7M | ||
| Q1 25 | $557.4M | $429.1M | ||
| Q4 24 | $538.4M | $406.0M | ||
| Q3 24 | $543.7M | $439.7M | ||
| Q2 24 | $518.6M | $396.7M | ||
| Q1 24 | $507.2M | $397.0M |
| Q4 25 | $7.4B | $5.2B | ||
| Q3 25 | $7.4B | $5.2B | ||
| Q2 25 | $7.4B | $5.2B | ||
| Q1 25 | $7.4B | $5.2B | ||
| Q4 24 | $7.5B | $5.1B | ||
| Q3 24 | $7.4B | $5.2B | ||
| Q2 24 | $7.4B | $5.2B | ||
| Q1 24 | $7.4B | $5.1B |
| Q4 25 | 0.13× | 0.18× | ||
| Q3 25 | 0.22× | 0.19× | ||
| Q2 25 | 0.23× | 0.20× | ||
| Q1 25 | 0.24× | 0.20× | ||
| Q4 24 | 0.29× | 0.21× | ||
| Q3 24 | 0.29× | 0.20× | ||
| Q2 24 | 0.30× | 0.22× | ||
| Q1 24 | 0.31× | 0.22× |
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 | $97.5M | $60.0M |
| Free Cash FlowOCF − Capex | $92.3M | $52.2M |
| FCF MarginFCF / Revenue | 121.0% | 73.0% |
| Capex IntensityCapex / Revenue | 6.8% | 11.0% |
| Cash ConversionOCF / Net Profit | 4.26× | 4.10× |
| TTM Free Cash FlowTrailing 4 quarters | $165.5M | $85.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $97.5M | $60.0M | ||
| Q3 25 | $22.2M | $10.7M | ||
| Q2 25 | $34.3M | $14.0M | ||
| Q1 25 | $20.4M | $15.7M | ||
| Q4 24 | $90.5M | $66.6M | ||
| Q3 24 | $21.3M | $23.9M | ||
| Q2 24 | $25.9M | $16.6M | ||
| Q1 24 | $17.0M | $13.7M |
| Q4 25 | $92.3M | $52.2M | ||
| Q3 25 | $21.4M | $9.0M | ||
| Q2 25 | $32.3M | $12.4M | ||
| Q1 25 | $19.6M | $12.2M | ||
| Q4 24 | $75.4M | $54.9M | ||
| Q3 24 | $15.6M | $20.4M | ||
| Q2 24 | $21.3M | $14.4M | ||
| Q1 24 | $13.7M | $12.2M |
| Q4 25 | 121.0% | 73.0% | ||
| Q3 25 | 28.6% | 12.8% | ||
| Q2 25 | 44.3% | 17.8% | ||
| Q1 25 | 28.4% | 18.0% | ||
| Q4 24 | 129.2% | 79.2% | ||
| Q3 24 | 23.5% | 29.1% | ||
| Q2 24 | 33.2% | 21.6% | ||
| Q1 24 | 22.4% | 19.2% |
| Q4 25 | 6.8% | 11.0% | ||
| Q3 25 | 1.2% | 2.4% | ||
| Q2 25 | 2.7% | 2.3% | ||
| Q1 25 | 1.3% | 5.2% | ||
| Q4 24 | 25.8% | 16.9% | ||
| Q3 24 | 8.5% | 4.9% | ||
| Q2 24 | 7.3% | 3.3% | ||
| Q1 24 | 5.3% | 2.4% |
| Q4 25 | 4.26× | 4.10× | ||
| Q3 25 | 1.20× | 0.86× | ||
| Q2 25 | 1.88× | 1.01× | ||
| Q1 25 | 1.15× | 1.15× | ||
| Q4 24 | 7.98× | 4.63× | ||
| Q3 24 | 1.60× | 2.80× | ||
| Q2 24 | 1.64× | 1.41× | ||
| Q1 24 | 1.31× | 1.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
