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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and SBC Medical Group Holdings Inc (SBC). 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 $39.6M, roughly 1.8× SBC Medical Group Holdings Inc). SBC Medical Group Holdings Inc runs the higher net margin — 35.9% vs 28.4%, a 7.5% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs -10.9%). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (6.7% CAGR vs -15.0%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
SBC Medical Group Holdings Inc. is a leading Japan-headquartered healthcare provider primarily focused on aesthetic medicine, dermatology, and anti-aging wellness services. It operates an extensive network of clinics across Japan, catering to both domestic patients and international medical tourists, with core offerings including cosmetic surgery and non-invasive skincare treatments.
CPF vs SBC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $39.6M |
| Net Profit | $20.7M | $14.2M |
| Gross Margin | — | 73.1% |
| Operating Margin | — | 32.5% |
| Net Margin | 28.4% | 35.9% |
| Revenue YoY | 6.0% | -10.9% |
| Net Profit YoY | 16.7% | 117.2% |
| EPS (diluted) | $0.78 | $0.15 |
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 | $39.6M | ||
| Q3 25 | $74.8M | $43.4M | ||
| Q2 25 | $72.8M | $43.4M | ||
| Q1 25 | $68.8M | $47.3M | ||
| Q4 24 | $58.4M | $44.4M | ||
| Q3 24 | $66.6M | $53.1M | ||
| Q2 24 | $64.0M | $53.1M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $14.2M | ||
| Q3 25 | $18.6M | $12.8M | ||
| Q2 25 | $18.3M | $2.5M | ||
| Q1 25 | $17.8M | $21.5M | ||
| Q4 24 | $11.3M | $6.5M | ||
| Q3 24 | $13.3M | $2.8M | ||
| Q2 24 | $15.8M | $18.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 32.5% | ||
| Q3 25 | 31.6% | 36.6% | ||
| Q2 25 | 32.8% | 33.6% | ||
| Q1 25 | 32.8% | 51.1% | ||
| Q4 24 | 23.0% | 10.6% | ||
| Q3 24 | 25.6% | 26.1% | ||
| Q2 24 | 32.2% | 51.4% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 35.9% | ||
| Q3 25 | 24.8% | 29.6% | ||
| Q2 25 | 25.1% | 5.7% | ||
| Q1 25 | 25.8% | 45.4% | ||
| Q4 24 | 19.4% | 14.7% | ||
| Q3 24 | 20.0% | 5.3% | ||
| Q2 24 | 24.7% | 34.8% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $0.15 | ||
| Q3 25 | $0.69 | $0.12 | ||
| Q2 25 | $0.67 | $0.02 | ||
| Q1 25 | $0.65 | $0.21 | ||
| Q4 24 | $0.42 | $0.05 | ||
| Q3 24 | $0.49 | $0.03 | ||
| Q2 24 | $0.58 | $0.20 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $164.1M |
| Total DebtLower is stronger | $76.5M | $42.8M |
| Stockholders' EquityBook value | $593.9M | $248.3M |
| Total Assets | $7.5B | $380.4M |
| Debt / EquityLower = less leverage | 0.13× | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $164.1M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $152.7M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $137.4M | ||
| Q2 24 | — | — |
| Q1 26 | $76.5M | — | ||
| Q4 25 | $76.5M | $42.8M | ||
| Q3 25 | $131.5M | $21.1M | ||
| Q2 25 | $131.5M | $7.1M | ||
| Q1 25 | $131.4M | $6.9M | ||
| Q4 24 | $156.3M | $6.6M | ||
| Q3 24 | $156.3M | $823.2K | ||
| Q2 24 | $156.2M | — |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $248.3M | ||
| Q3 25 | $588.1M | $248.0M | ||
| Q2 25 | $568.9M | $244.6M | ||
| Q1 25 | $557.4M | $226.4M | ||
| Q4 24 | $538.4M | $195.1M | ||
| Q3 24 | $543.7M | $205.0M | ||
| Q2 24 | $518.6M | $8.8M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $380.4M | ||
| Q3 25 | $7.4B | $321.4M | ||
| Q2 25 | $7.4B | $315.3M | ||
| Q1 25 | $7.4B | $284.6M | ||
| Q4 24 | $7.5B | $266.1M | ||
| Q3 24 | $7.4B | $296.5M | ||
| Q2 24 | $7.4B | $19.5M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.17× | ||
| Q3 25 | 0.22× | 0.09× | ||
| Q2 25 | 0.23× | 0.03× | ||
| Q1 25 | 0.24× | 0.03× | ||
| Q4 24 | 0.29× | 0.03× | ||
| Q3 24 | 0.29× | 0.00× | ||
| 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 | — | $52.0M |
| Free Cash FlowOCF − Capex | — | $51.2M |
| FCF MarginFCF / Revenue | — | 129.3% |
| Capex IntensityCapex / Revenue | — | 2.0% |
| Cash ConversionOCF / Net Profit | — | 3.66× |
| TTM Free Cash FlowTrailing 4 quarters | — | $23.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $52.0M | ||
| Q3 25 | $22.2M | $-20.9M | ||
| Q2 25 | $34.3M | $-8.3M | ||
| Q1 25 | $20.4M | $1.9M | ||
| Q4 24 | $90.5M | $-7.3M | ||
| Q3 24 | $21.3M | $5.0M | ||
| Q2 24 | $25.9M | $19.2M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $51.2M | ||
| Q3 25 | $21.4M | $-20.9M | ||
| Q2 25 | $32.3M | $-8.6M | ||
| Q1 25 | $19.6M | $1.7M | ||
| Q4 24 | $75.4M | $-7.9M | ||
| Q3 24 | $15.6M | $4.6M | ||
| Q2 24 | $21.3M | $18.3M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 129.3% | ||
| Q3 25 | 28.6% | -48.3% | ||
| Q2 25 | 44.3% | -19.9% | ||
| Q1 25 | 28.4% | 3.5% | ||
| Q4 24 | 129.2% | -17.8% | ||
| Q3 24 | 23.5% | 8.7% | ||
| Q2 24 | 33.2% | 34.5% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 2.0% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 2.7% | 0.7% | ||
| Q1 25 | 1.3% | 0.5% | ||
| Q4 24 | 25.8% | 1.3% | ||
| Q3 24 | 8.5% | 0.8% | ||
| Q2 24 | 7.3% | 1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 3.66× | ||
| Q3 25 | 1.20× | -1.63× | ||
| Q2 25 | 1.88× | -3.39× | ||
| Q1 25 | 1.15× | 0.09× | ||
| Q4 24 | 7.98× | -1.12× | ||
| Q3 24 | 1.60× | 1.77× | ||
| Q2 24 | 1.64× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
