Central Pacific Financial vs Community Trust Bancorp
Central Pacific Financial and Community Trust Bancorp are similar in size: $293m and $283m of revenue in their latest fiscal years. Central Pacific Financial grew faster (16.9% against 13.7%). Community Trust Bancorp kept more of each dollar of sales as profit: a net margin of 34.7% against 26.5%.
| Latest fiscal year | Central Pacific FinancialCPF, 2025 | Community Trust BancorpCTBI, 2025 |
|---|---|---|
| Revenue | $293m | $283m |
| Revenue growth | 16.9% | 13.7% |
| Net income | $77.5m | $98.1m |
| Operating margin | — | — |
| Net margin | 26.5% | 34.7% |
| Return on equity | 13.7% | 12.2% |
| Free cash flow | $92.3m | $97.4m |
| Cash | $379m | $364m |
| Total debt | $76.5m | $373m |
| Debt to equity | — | — |
| Dividend per share | $1.09 | $2.00 |
| Dividend yield | 3.0% | 3.0% |
| Share buybacks | — | — |
| Employees | — | 930 |
| Market value | $988m | $1.26bn |
| Price vs our value range | — | — |
| Moat score | 72 (Strong) | 87 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |