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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and SmartRent, Inc. (SMRT). 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 $36.5M, roughly 2.0× SmartRent, Inc.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs -8.9%, a 37.3% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs 3.1%). 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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
CPF vs SMRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $36.5M |
| Net Profit | $20.7M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | — | -10.9% |
| Net Margin | 28.4% | -8.9% |
| Revenue YoY | 6.0% | 3.1% |
| Net Profit YoY | 16.7% | 71.6% |
| EPS (diluted) | $0.78 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $74.8M | $36.2M | ||
| Q2 25 | $72.8M | $38.3M | ||
| Q1 25 | $68.8M | $41.3M | ||
| Q4 24 | $58.4M | $35.4M | ||
| Q3 24 | $66.6M | $40.5M | ||
| Q2 24 | $64.0M | $48.5M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $-3.2M | ||
| Q3 25 | $18.6M | $-6.3M | ||
| Q2 25 | $18.3M | $-10.9M | ||
| Q1 25 | $17.8M | $-40.2M | ||
| Q4 24 | $11.3M | $-11.4M | ||
| Q3 24 | $13.3M | $-9.9M | ||
| Q2 24 | $15.8M | $-4.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | -10.9% | ||
| Q3 25 | 31.6% | -19.4% | ||
| Q2 25 | 32.8% | -30.5% | ||
| Q1 25 | 32.8% | -99.9% | ||
| Q4 24 | 23.0% | -36.6% | ||
| Q3 24 | 25.6% | -29.0% | ||
| Q2 24 | 32.2% | -14.3% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | -8.9% | ||
| Q3 25 | 24.8% | -17.3% | ||
| Q2 25 | 25.1% | -28.3% | ||
| Q1 25 | 25.8% | -97.2% | ||
| Q4 24 | 19.4% | -32.3% | ||
| Q3 24 | 20.0% | -24.5% | ||
| Q2 24 | 24.7% | -9.5% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $-0.02 | ||
| Q3 25 | $0.69 | $-0.03 | ||
| Q2 25 | $0.67 | $-0.06 | ||
| Q1 25 | $0.65 | $-0.21 | ||
| Q4 24 | $0.42 | $-0.06 | ||
| Q3 24 | $0.49 | $-0.05 | ||
| Q2 24 | $0.58 | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $232.1M |
| Total Assets | $7.5B | $320.9M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M |
| 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 | $232.1M | ||
| Q3 25 | $588.1M | $234.4M | ||
| Q2 25 | $568.9M | $238.8M | ||
| Q1 25 | $557.4M | $250.7M | ||
| Q4 24 | $538.4M | $289.4M | ||
| Q3 24 | $543.7M | $305.1M | ||
| Q2 24 | $518.6M | $329.4M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $320.9M | ||
| Q3 25 | $7.4B | $335.8M | ||
| Q2 25 | $7.4B | $354.0M | ||
| Q1 25 | $7.4B | $366.1M | ||
| Q4 24 | $7.5B | $420.2M | ||
| Q3 24 | $7.4B | $448.6M | ||
| Q2 24 | $7.4B | $475.3M |
| 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 | — | $7.7M |
| Free Cash FlowOCF − Capex | — | $7.7M |
| FCF MarginFCF / Revenue | — | 21.0% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $7.7M | ||
| Q3 25 | $22.2M | $-2.1M | ||
| Q2 25 | $34.3M | $-14.9M | ||
| Q1 25 | $20.4M | $-12.2M | ||
| Q4 24 | $90.5M | $-12.0M | ||
| Q3 24 | $21.3M | $-3.7M | ||
| Q2 24 | $25.9M | $-13.9M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $7.7M | ||
| Q3 25 | $21.4M | $-2.2M | ||
| Q2 25 | $32.3M | $-16.2M | ||
| Q1 25 | $19.6M | $-14.3M | ||
| Q4 24 | $75.4M | $-13.3M | ||
| Q3 24 | $15.6M | $-3.9M | ||
| Q2 24 | $21.3M | $-14.1M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 21.0% | ||
| Q3 25 | 28.6% | -6.1% | ||
| Q2 25 | 44.3% | -42.3% | ||
| Q1 25 | 28.4% | -34.7% | ||
| Q4 24 | 129.2% | -37.5% | ||
| Q3 24 | 23.5% | -9.7% | ||
| Q2 24 | 33.2% | -29.1% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.0% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 2.7% | 3.3% | ||
| Q1 25 | 1.3% | 5.3% | ||
| Q4 24 | 25.8% | 3.5% | ||
| Q3 24 | 8.5% | 0.6% | ||
| Q2 24 | 7.3% | 0.5% |
| 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.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
