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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and STEM, INC. (STEM). 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 $47.1M, roughly 1.5× STEM, INC.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs -33.9%, a 62.3% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (6.0% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 6.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CPF vs STEM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $47.1M |
| Net Profit | $20.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | — | -17.7% |
| Net Margin | 28.4% | -33.9% |
| Revenue YoY | 6.0% | -15.6% |
| Net Profit YoY | 16.7% | 68.8% |
| EPS (diluted) | $0.78 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $74.8M | $38.2M | ||
| Q2 25 | $72.8M | $38.4M | ||
| Q1 25 | $68.8M | $32.5M | ||
| Q4 24 | $58.4M | $55.8M | ||
| Q3 24 | $66.6M | $29.3M | ||
| Q2 24 | $64.0M | $34.0M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $-16.0M | ||
| Q3 25 | $18.6M | $-23.8M | ||
| Q2 25 | $18.3M | $202.5M | ||
| Q1 25 | $17.8M | $-25.0M | ||
| Q4 24 | $11.3M | $-51.1M | ||
| Q3 24 | $13.3M | $-148.3M | ||
| Q2 24 | $15.8M | $-582.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | -17.7% | ||
| Q3 25 | 31.6% | -33.6% | ||
| Q2 25 | 32.8% | -34.8% | ||
| Q1 25 | 32.8% | -65.0% | ||
| Q4 24 | 23.0% | -84.4% | ||
| Q3 24 | 25.6% | -493.2% | ||
| Q2 24 | 32.2% | -1705.5% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | -33.9% | ||
| Q3 25 | 24.8% | -62.2% | ||
| Q2 25 | 25.1% | 527.8% | ||
| Q1 25 | 25.8% | -76.9% | ||
| Q4 24 | 19.4% | -91.6% | ||
| Q3 24 | 20.0% | -506.3% | ||
| Q2 24 | 24.7% | -1712.6% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $-4.40 | ||
| Q3 25 | $0.69 | $-2.84 | ||
| Q2 25 | $0.67 | $-1.79 | ||
| Q1 25 | $0.65 | $-0.15 | ||
| Q4 24 | $0.42 | $-15.29 | ||
| Q3 24 | $0.49 | $-18.24 | ||
| Q2 24 | $0.58 | $-71.81 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $-249.4M |
| Total Assets | $7.5B | $308.9M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M |
| 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 | $-249.4M | ||
| Q3 25 | $588.1M | $-235.7M | ||
| Q2 25 | $568.9M | $-214.1M | ||
| Q1 25 | $557.4M | $-417.5M | ||
| Q4 24 | $538.4M | $-398.4M | ||
| Q3 24 | $543.7M | $-344.1M | ||
| Q2 24 | $518.6M | $-203.2M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $308.9M | ||
| Q3 25 | $7.4B | $362.6M | ||
| Q2 25 | $7.4B | $379.2M | ||
| Q1 25 | $7.4B | $405.1M | ||
| Q4 24 | $7.5B | $437.4M | ||
| Q3 24 | $7.4B | $537.8M | ||
| Q2 24 | $7.4B | $691.5M |
| 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 | — | $8.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $8.2M | ||
| Q3 25 | $22.2M | $11.4M | ||
| Q2 25 | $34.3M | $-21.3M | ||
| Q1 25 | $20.4M | $8.5M | ||
| Q4 24 | $90.5M | $-14.7M | ||
| Q3 24 | $21.3M | $-9.4M | ||
| Q2 24 | $25.9M | $-11.9M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | — | ||
| Q3 25 | $21.4M | — | ||
| Q2 25 | $32.3M | — | ||
| Q1 25 | $19.6M | — | ||
| Q4 24 | $75.4M | — | ||
| Q3 24 | $15.6M | — | ||
| Q2 24 | $21.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | — | ||
| Q3 25 | 28.6% | — | ||
| Q2 25 | 44.3% | — | ||
| Q1 25 | 28.4% | — | ||
| Q4 24 | 129.2% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 33.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 2.7% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 25.8% | — | ||
| Q3 24 | 8.5% | — | ||
| Q2 24 | 7.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.88× | -0.11× | ||
| 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.
