Central Pacific Financial vs Heritage Financial
Central Pacific Financial is the larger business, with $293m of revenue in fiscal 2025 against $246m for Heritage Financial (1.2 times as much). Central Pacific Financial grew faster (16.9% against 13.5%). Heritage Financial kept more of each dollar of sales as profit: a net margin of 27.4% against 26.5%.
| Latest fiscal year | Central Pacific FinancialCPF, 2025 | Heritage FinancialHFWA, 2025 |
|---|---|---|
| Revenue | $293m | $246m |
| Revenue growth | 16.9% | 13.5% |
| Net income | $77.5m | $67.5m |
| Operating margin | — | — |
| Net margin | 26.5% | 27.4% |
| Return on equity | 13.7% | 7.6% |
| Free cash flow | $92.3m | $85.7m |
| Cash | $379m | $233m |
| Total debt | $76.5m | $20.0m |
| Debt to equity | — | — |
| Dividend per share | $1.09 | $0.96 |
| Dividend yield | 3.0% | 2.9% |
| Share buybacks | — | $5.5m |
| Employees | — | — |
| Market value | $988m | $1.18bn |
| Price vs our value range | — | — |
| Moat score | 72 (Strong) | 70 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 12 sales |