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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and Lulu's Fashion Lounge Holdings, Inc. (LVLU). 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 $66.1M, roughly 1.1× Lulu's Fashion Lounge Holdings, Inc.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs -48.2%, a 76.6% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs -11.8%). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (6.7% CAGR vs -14.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Lulu's Fashion Lounge Holdings, Inc. is a direct-to-consumer women's fashion retailer offering affordable, trendy apparel, footwear, and accessories. It primarily serves Gen Z and millennial consumers across North America, operating mainly via its e-commerce platform, with limited pop-up physical locations to boost customer engagement.
CPF vs LVLU — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $66.1M |
| Net Profit | $20.7M | $-31.9M |
| Gross Margin | — | 37.9% |
| Operating Margin | — | -52.8% |
| Net Margin | 28.4% | -48.2% |
| Revenue YoY | 6.0% | -11.8% |
| Net Profit YoY | 16.7% | -340.9% |
| EPS (diluted) | $0.78 | $-13.46 |
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 | $74.8M | — | ||
| Q2 25 | $72.8M | — | ||
| Q1 25 | $68.8M | — | ||
| Q4 24 | $58.4M | $66.1M | ||
| Q3 24 | $66.6M | $80.5M | ||
| Q2 24 | $64.0M | $92.0M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | — | ||
| Q3 25 | $18.6M | — | ||
| Q2 25 | $18.3M | — | ||
| Q1 25 | $17.8M | — | ||
| Q4 24 | $11.3M | $-31.9M | ||
| Q3 24 | $13.3M | $-6.9M | ||
| Q2 24 | $15.8M | $-10.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 37.9% | ||
| Q3 24 | — | 38.1% | ||
| Q2 24 | — | 45.5% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | — | ||
| Q3 25 | 31.6% | — | ||
| Q2 25 | 32.8% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 23.0% | -52.8% | ||
| Q3 24 | 25.6% | -8.5% | ||
| Q2 24 | 32.2% | -4.9% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | — | ||
| Q3 25 | 24.8% | — | ||
| Q2 25 | 25.1% | — | ||
| Q1 25 | 25.8% | — | ||
| Q4 24 | 19.4% | -48.2% | ||
| Q3 24 | 20.0% | -8.5% | ||
| Q2 24 | 24.7% | -11.7% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | — | ||
| Q3 25 | $0.69 | — | ||
| Q2 25 | $0.67 | — | ||
| Q1 25 | $0.65 | — | ||
| Q4 24 | $0.42 | $-13.46 | ||
| Q3 24 | $0.49 | $-2.47 | ||
| Q2 24 | $0.58 | $-3.92 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $4.5M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $13.4M |
| Total Assets | $7.5B | $108.2M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $1.8M |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | — | ||
| Q3 25 | $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 | $588.1M | — | ||
| Q2 25 | $568.9M | — | ||
| Q1 25 | $557.4M | — | ||
| Q4 24 | $538.4M | $13.4M | ||
| Q3 24 | $543.7M | $43.8M | ||
| Q2 24 | $518.6M | $48.7M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | — | ||
| Q3 25 | $7.4B | — | ||
| Q2 25 | $7.4B | — | ||
| Q1 25 | $7.4B | — | ||
| Q4 24 | $7.5B | $108.2M | ||
| Q3 24 | $7.4B | $153.5M | ||
| Q2 24 | $7.4B | $145.3M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | — | ||
| Q3 25 | 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 | — | $-2.5M |
| Free Cash FlowOCF − Capex | — | $-2.6M |
| FCF MarginFCF / Revenue | — | -3.9% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | — | ||
| Q3 25 | $22.2M | — | ||
| Q2 25 | $34.3M | — | ||
| Q1 25 | $20.4M | — | ||
| Q4 24 | $90.5M | $-2.5M | ||
| Q3 24 | $21.3M | $-5.5M | ||
| Q2 24 | $25.9M | $3.7M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | — | ||
| Q3 25 | $21.4M | — | ||
| Q2 25 | $32.3M | — | ||
| Q1 25 | $19.6M | — | ||
| Q4 24 | $75.4M | $-2.6M | ||
| Q3 24 | $15.6M | $-5.9M | ||
| Q2 24 | $21.3M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | — | ||
| Q3 25 | 28.6% | — | ||
| Q2 25 | 44.3% | — | ||
| Q1 25 | 28.4% | — | ||
| Q4 24 | 129.2% | -3.9% | ||
| Q3 24 | 23.5% | -7.3% | ||
| Q2 24 | 33.2% | 3.7% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.7% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 25.8% | 0.0% | ||
| Q3 24 | 8.5% | 0.5% | ||
| Q2 24 | 7.3% | 0.4% |
| 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.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
LVLU
| Single Reportable Segment | $63.0M | 95% |
| Other | $2.4M | 4% |
| Stored Value Cards | $750.0K | 1% |
