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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and RE/MAX Holdings, Inc. (RMAX). 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 $71.1M, roughly 1.0× RE/MAX Holdings, Inc.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 2.0%, a 26.4% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs -1.8%). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (6.7% CAGR vs -4.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
CPF vs RMAX — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $71.1M |
| Net Profit | $20.7M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | — | 13.1% |
| Net Margin | 28.4% | 2.0% |
| Revenue YoY | 6.0% | -1.8% |
| Net Profit YoY | 16.7% | -75.2% |
| EPS (diluted) | $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 | $71.1M | ||
| Q3 25 | $74.8M | $73.2M | ||
| Q2 25 | $72.8M | $72.8M | ||
| Q1 25 | $68.8M | $74.5M | ||
| Q4 24 | $58.4M | $72.5M | ||
| Q3 24 | $66.6M | $78.5M | ||
| Q2 24 | $64.0M | $78.5M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $1.4M | ||
| Q3 25 | $18.6M | $4.0M | ||
| Q2 25 | $18.3M | $4.7M | ||
| Q1 25 | $17.8M | $-2.0M | ||
| Q4 24 | $11.3M | $5.8M | ||
| Q3 24 | $13.3M | $966.0K | ||
| Q2 24 | $15.8M | $3.7M |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 13.1% | ||
| Q3 25 | 31.6% | 25.0% | ||
| Q2 25 | 32.8% | 19.3% | ||
| Q1 25 | 32.8% | 7.2% | ||
| Q4 24 | 23.0% | 5.9% | ||
| Q3 24 | 25.6% | 19.4% | ||
| Q2 24 | 32.2% | 20.6% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 2.0% | ||
| Q3 25 | 24.8% | 5.4% | ||
| Q2 25 | 25.1% | 6.4% | ||
| Q1 25 | 25.8% | -2.6% | ||
| Q4 24 | 19.4% | 8.0% | ||
| Q3 24 | 20.0% | 1.2% | ||
| Q2 24 | 24.7% | 4.7% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | — | ||
| Q3 25 | $0.69 | — | ||
| Q2 25 | $0.67 | — | ||
| Q1 25 | $0.65 | — | ||
| Q4 24 | $0.42 | — | ||
| 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 | — | $118.7M |
| Total DebtLower is stronger | $76.5M | $432.2M |
| Stockholders' EquityBook value | $593.9M | $452.4M |
| Total Assets | $7.5B | $582.5M |
| Debt / EquityLower = less leverage | 0.13× | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | $432.2M | ||
| Q3 25 | $131.5M | $433.3M | ||
| Q2 25 | $131.5M | $434.4M | ||
| Q1 25 | $131.4M | $435.3M | ||
| Q4 24 | $156.3M | $436.2M | ||
| Q3 24 | $156.3M | $437.2M | ||
| Q2 24 | $156.2M | $438.1M |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $452.4M | ||
| Q3 25 | $588.1M | $448.1M | ||
| Q2 25 | $568.9M | $442.4M | ||
| Q1 25 | $557.4M | $433.5M | ||
| Q4 24 | $538.4M | $429.5M | ||
| Q3 24 | $543.7M | $423.1M | ||
| Q2 24 | $518.6M | $418.4M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $582.5M | ||
| Q3 25 | $7.4B | $582.2M | ||
| Q2 25 | $7.4B | $574.8M | ||
| Q1 25 | $7.4B | $571.4M | ||
| Q4 24 | $7.5B | $581.6M | ||
| Q3 24 | $7.4B | $578.6M | ||
| Q2 24 | $7.4B | $571.4M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.96× | ||
| Q3 25 | 0.22× | 0.97× | ||
| Q2 25 | 0.23× | 0.98× | ||
| Q1 25 | 0.24× | 1.00× | ||
| Q4 24 | 0.29× | 1.02× | ||
| Q3 24 | 0.29× | 1.03× | ||
| Q2 24 | 0.30× | 1.05× |
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 | — | $40.9M |
| Free Cash FlowOCF − Capex | — | $33.5M |
| FCF MarginFCF / Revenue | — | 47.1% |
| Capex IntensityCapex / Revenue | — | 10.4% |
| Cash ConversionOCF / Net Profit | — | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $40.9M | ||
| Q3 25 | $22.2M | $17.7M | ||
| Q2 25 | $34.3M | $4.6M | ||
| Q1 25 | $20.4M | $5.7M | ||
| Q4 24 | $90.5M | $59.7M | ||
| Q3 24 | $21.3M | $17.6M | ||
| Q2 24 | $25.9M | $15.9M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $33.5M | ||
| Q3 25 | $21.4M | $16.4M | ||
| Q2 25 | $32.3M | $2.9M | ||
| Q1 25 | $19.6M | $4.0M | ||
| Q4 24 | $75.4M | $53.0M | ||
| Q3 24 | $15.6M | $16.3M | ||
| Q2 24 | $21.3M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 47.1% | ||
| Q3 25 | 28.6% | 22.4% | ||
| Q2 25 | 44.3% | 4.0% | ||
| Q1 25 | 28.4% | 5.3% | ||
| Q4 24 | 129.2% | 73.2% | ||
| Q3 24 | 23.5% | 20.8% | ||
| Q2 24 | 33.2% | 17.8% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 10.4% | ||
| Q3 25 | 1.2% | 1.8% | ||
| Q2 25 | 2.7% | 2.2% | ||
| Q1 25 | 1.3% | 2.3% | ||
| Q4 24 | 25.8% | 9.1% | ||
| Q3 24 | 8.5% | 1.7% | ||
| Q2 24 | 7.3% | 2.4% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 28.39× | ||
| Q3 25 | 1.20× | 4.45× | ||
| Q2 25 | 1.88× | 0.97× | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 7.98× | 10.28× | ||
| Q3 24 | 1.60× | 18.22× | ||
| Q2 24 | 1.64× | 4.29× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
