Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank, which offers a range of commercial banking products and services tailored for businesses, professionals, and individuals across the United States. The gross profit ratio is 1.00 reflecting the efficiency of the company's production and sales operations. This institution provides diverse deposit products and services, including personal and business checking accounts, savings accounts, money market accounts, and time certificates of deposit. The company's lending activities encompass commercial loans, financial and agricultural loans, commercial and residential mortgages, as well as construction loans designed for small and medium-sized enterprises, business professionals, and real estate investors and developers. Additionally, services are available for local homebuyers and individuals through home equity and consumer loans. The company also issues debit cards and facilitates internet and mobile banking, cash management, full-service ATMs, digital banking services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, and retail brokerage services. Moreover, it provides wealth management products and services, which include non-deposit investment products, annuities, insurance, investment management, asset custody, and various consultation and planning services. Furthermore, the company reported depreciation and amortization expenses of $9,115,000.00 reflecting the wear and tear of its assets. It incurred an interest expense of $94,366,000.00 reflecting its debt servicing obligations. The diluted EPS is $1.96 accounting for potential share dilution. As of December 31, 2021, Central Pacific Financial Corp. operated 30 branches and 69 automated teller machines throughout Hawaii, and it was incorporated in 1954, with headquarters in Honolulu. In the stock market, the company's stock is identified with the symbol 'CPF', and it is considered affordable at $26.93 making it suitable for budget-conscious investors. The stock also has a low average trading volume of 161,187.00 indicating lower market activity. With a market capitalization of $726,460,987.00 Central Pacific Financial Corp. is classified as a small-cap player in the financial sector. It is a key player in the Banks - Regional industry, making significant contributions to the overall market landscape and belongs to the Financial Services sector, where it drives innovation and growth.