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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and TSS, Inc. (TSSI). 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 $60.9M, roughly 1.2× TSS, Inc.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 20.0%, a 8.5% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 6.0%). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% CAGR vs 6.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
CPF vs TSSI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $60.9M |
| Net Profit | $20.7M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | — | 1.5% |
| Net Margin | 28.4% | 20.0% |
| Revenue YoY | 6.0% | 21.8% |
| Net Profit YoY | 16.7% | 535.7% |
| EPS (diluted) | $0.78 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $74.8M | $41.9M | ||
| Q2 25 | $72.8M | $44.0M | ||
| Q1 25 | $68.8M | $99.0M | ||
| Q4 24 | $58.4M | $50.0M | ||
| Q3 24 | $66.6M | $70.1M | ||
| Q2 24 | $64.0M | $12.2M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $12.2M | ||
| Q3 25 | $18.6M | $-1.5M | ||
| Q2 25 | $18.3M | $1.5M | ||
| Q1 25 | $17.8M | $3.0M | ||
| Q4 24 | $11.3M | $1.9M | ||
| Q3 24 | $13.3M | $2.6M | ||
| Q2 24 | $15.8M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 1.5% | ||
| Q3 25 | 31.6% | -2.2% | ||
| Q2 25 | 32.8% | 5.1% | ||
| Q1 25 | 32.8% | 4.2% | ||
| Q4 24 | 23.0% | 0.0% | ||
| Q3 24 | 25.6% | 5.4% | ||
| Q2 24 | 32.2% | 14.0% |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 20.0% | ||
| Q3 25 | 24.8% | -3.6% | ||
| Q2 25 | 25.1% | 3.4% | ||
| Q1 25 | 25.8% | 3.0% | ||
| Q4 24 | 19.4% | 3.8% | ||
| Q3 24 | 20.0% | 3.8% | ||
| Q2 24 | 24.7% | 11.5% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $0.44 | ||
| Q3 25 | $0.69 | $-0.06 | ||
| Q2 25 | $0.67 | $0.06 | ||
| Q1 25 | $0.65 | $0.12 | ||
| Q4 24 | $0.42 | $0.08 | ||
| Q3 24 | $0.49 | $0.10 | ||
| Q2 24 | $0.58 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $593.9M | $76.6M |
| Total Assets | $7.5B | $184.9M |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M |
| 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 | $76.6M | ||
| Q3 25 | $588.1M | $63.4M | ||
| Q2 25 | $568.9M | $9.5M | ||
| Q1 25 | $557.4M | $9.4M | ||
| Q4 24 | $538.4M | $7.1M | ||
| Q3 24 | $543.7M | $7.7M | ||
| Q2 24 | $518.6M | $5.2M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $184.9M | ||
| Q3 25 | $7.4B | $165.4M | ||
| Q2 25 | $7.4B | $139.5M | ||
| Q1 25 | $7.4B | $113.5M | ||
| Q4 24 | $7.5B | $96.6M | ||
| Q3 24 | $7.4B | $67.3M | ||
| Q2 24 | $7.4B | $28.9M |
| 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 | — | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.8M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $97.5M | $16.3M | ||
| Q3 25 | $22.2M | $-18.4M | ||
| Q2 25 | $34.3M | $16.3M | ||
| Q1 25 | $20.4M | $20.6M | ||
| Q4 24 | $90.5M | $-21.6M | ||
| Q3 24 | $21.3M | $38.6M | ||
| Q2 24 | $25.9M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $15.8M | ||
| Q3 25 | $21.4M | $-24.9M | ||
| Q2 25 | $32.3M | $5.4M | ||
| Q1 25 | $19.6M | $5.8M | ||
| Q4 24 | $75.4M | $-28.4M | ||
| Q3 24 | $15.6M | $38.6M | ||
| Q2 24 | $21.3M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 25.9% | ||
| Q3 25 | 28.6% | -59.3% | ||
| Q2 25 | 44.3% | 12.3% | ||
| Q1 25 | 28.4% | 5.8% | ||
| Q4 24 | 129.2% | -56.7% | ||
| Q3 24 | 23.5% | 55.1% | ||
| Q2 24 | 33.2% | -49.4% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.9% | ||
| Q3 25 | 1.2% | 15.3% | ||
| Q2 25 | 2.7% | 24.8% | ||
| Q1 25 | 1.3% | 15.0% | ||
| Q4 24 | 25.8% | 13.4% | ||
| Q3 24 | 8.5% | 0.1% | ||
| Q2 24 | 7.3% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 1.34× | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.88× | 11.02× | ||
| Q1 25 | 1.15× | 6.93× | ||
| Q4 24 | 7.98× | -11.32× | ||
| Q3 24 | 1.60× | 14.60× | ||
| Q2 24 | 1.64× | -3.09× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
