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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and UNIVEST FINANCIAL Corp (UVSP). Click either name above to swap in a different company.
UNIVEST FINANCIAL Corp is the larger business by last-quarter revenue ($84.6M vs $76.3M, roughly 1.1× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 30.0% vs 26.9%, a 3.1% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (30.6% vs 10.1%). UNIVEST FINANCIAL Corp produced more free cash flow last quarter ($96.9M vs $92.3M). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (11.4% CAGR vs 4.8%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
Univest Financial Corp is a U.S. regional financial services holding company based in Pennsylvania. It offers banking, wealth management, insurance, and lending solutions for individual consumers, SMEs, and institutional clients across its Mid-Atlantic operating regions.
CPF vs UVSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $76.3M | $84.6M |
| Net Profit | $22.9M | $22.7M |
| Gross Margin | — | — |
| Operating Margin | 37.0% | 34.0% |
| Net Margin | 30.0% | 26.9% |
| Revenue YoY | 30.6% | 10.1% |
| Net Profit YoY | 101.6% | 20.1% |
| EPS (diluted) | $0.85 | $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.
| Q4 25 | $76.3M | $84.6M | ||
| Q3 25 | $74.8M | $83.2M | ||
| Q2 25 | $72.8M | $81.0M | ||
| Q1 25 | $68.8M | $79.2M | ||
| Q4 24 | $58.4M | $76.8M | ||
| Q3 24 | $66.6M | $73.4M | ||
| Q2 24 | $64.0M | $72.0M | ||
| Q1 24 | $61.4M | $77.1M |
| Q4 25 | $22.9M | $22.7M | ||
| Q3 25 | $18.6M | $25.6M | ||
| Q2 25 | $18.3M | $20.0M | ||
| Q1 25 | $17.8M | $22.4M | ||
| Q4 24 | $11.3M | $18.9M | ||
| Q3 24 | $13.3M | $18.6M | ||
| Q2 24 | $15.8M | $18.1M | ||
| Q1 24 | $12.9M | $20.3M |
| Q4 25 | 37.0% | 34.0% | ||
| Q3 25 | 31.6% | 38.5% | ||
| Q2 25 | 32.8% | 30.9% | ||
| Q1 25 | 32.8% | 34.8% | ||
| Q4 24 | 23.0% | 30.9% | ||
| Q3 24 | 25.6% | 31.9% | ||
| Q2 24 | 32.2% | 31.4% | ||
| Q1 24 | 27.5% | 33.2% |
| Q4 25 | 30.0% | 26.9% | ||
| Q3 25 | 24.8% | 30.8% | ||
| Q2 25 | 25.1% | 24.7% | ||
| Q1 25 | 25.8% | 28.3% | ||
| Q4 24 | 19.4% | 24.7% | ||
| Q3 24 | 20.0% | 25.3% | ||
| Q2 24 | 24.7% | 25.1% | ||
| Q1 24 | 21.1% | 26.3% |
| Q4 25 | $0.85 | $0.78 | ||
| Q3 25 | $0.69 | $0.89 | ||
| Q2 25 | $0.67 | $0.69 | ||
| Q1 25 | $0.65 | $0.77 | ||
| Q4 24 | $0.42 | $0.64 | ||
| Q3 24 | $0.49 | $0.63 | ||
| Q2 24 | $0.58 | $0.62 | ||
| Q1 24 | $0.48 | $0.69 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $76.5M | — |
| Stockholders' EquityBook value | $592.6M | $943.3M |
| Total Assets | $7.4B | $8.4B |
| Debt / EquityLower = less leverage | 0.13× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $156.2M | — |
| Q4 25 | $592.6M | $943.3M | ||
| Q3 25 | $588.1M | $933.2M | ||
| Q2 25 | $568.9M | $916.7M | ||
| Q1 25 | $557.4M | $903.5M | ||
| Q4 24 | $538.4M | $887.3M | ||
| Q3 24 | $543.7M | $877.1M | ||
| Q2 24 | $518.6M | $854.1M | ||
| Q1 24 | $507.2M | $843.7M |
| Q4 25 | $7.4B | $8.4B | ||
| Q3 25 | $7.4B | $8.6B | ||
| Q2 25 | $7.4B | $7.9B | ||
| Q1 25 | $7.4B | $8.0B | ||
| Q4 24 | $7.5B | $8.1B | ||
| Q3 24 | $7.4B | $8.2B | ||
| Q2 24 | $7.4B | $7.9B | ||
| Q1 24 | $7.4B | $7.7B |
| 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× | — | ||
| Q1 24 | 0.31× | — |
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 | $97.5M | $101.5M |
| Free Cash FlowOCF − Capex | $92.3M | $96.9M |
| FCF MarginFCF / Revenue | 121.0% | 114.6% |
| Capex IntensityCapex / Revenue | 6.8% | 5.4% |
| Cash ConversionOCF / Net Profit | 4.26× | 4.46× |
| TTM Free Cash FlowTrailing 4 quarters | $165.5M | $163.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $97.5M | $101.5M | ||
| Q3 25 | $22.2M | $32.0M | ||
| Q2 25 | $34.3M | $23.3M | ||
| Q1 25 | $20.4M | $15.6M | ||
| Q4 24 | $90.5M | $75.1M | ||
| Q3 24 | $21.3M | $38.9M | ||
| Q2 24 | $25.9M | $-3.4M | ||
| Q1 24 | $17.0M | $11.6M |
| Q4 25 | $92.3M | $96.9M | ||
| Q3 25 | $21.4M | $31.4M | ||
| Q2 25 | $32.3M | $21.9M | ||
| Q1 25 | $19.6M | $13.7M | ||
| Q4 24 | $75.4M | $72.0M | ||
| Q3 24 | $15.6M | $38.3M | ||
| Q2 24 | $21.3M | $-4.2M | ||
| Q1 24 | $13.7M | $10.5M |
| Q4 25 | 121.0% | 114.6% | ||
| Q3 25 | 28.6% | 37.7% | ||
| Q2 25 | 44.3% | 27.0% | ||
| Q1 25 | 28.4% | 17.2% | ||
| Q4 24 | 129.2% | 93.8% | ||
| Q3 24 | 23.5% | 52.2% | ||
| Q2 24 | 33.2% | -5.9% | ||
| Q1 24 | 22.4% | 13.7% |
| Q4 25 | 6.8% | 5.4% | ||
| Q3 25 | 1.2% | 0.7% | ||
| Q2 25 | 2.7% | 1.7% | ||
| Q1 25 | 1.3% | 2.5% | ||
| Q4 24 | 25.8% | 4.0% | ||
| Q3 24 | 8.5% | 0.8% | ||
| Q2 24 | 7.3% | 1.1% | ||
| Q1 24 | 5.3% | 1.3% |
| Q4 25 | 4.26× | 4.46× | ||
| Q3 25 | 1.20× | 1.25× | ||
| Q2 25 | 1.88× | 1.16× | ||
| Q1 25 | 1.15× | 0.70× | ||
| Q4 24 | 7.98× | 3.97× | ||
| Q3 24 | 1.60× | 2.09× | ||
| Q2 24 | 1.64× | -0.19× | ||
| Q1 24 | 1.31× | 0.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
UVSP
| Banking1 | $73.5M | 87% |
| Investment Advice | $6.1M | 7% |
| Financial Service Other | $2.7M | 3% |
| Fiduciary And Trust | $2.3M | 3% |
