Inferra AI / Company / CPF
Central Pacific Financial Corp
CPF · Financials
Last earnings Oct 28, 2026
Key results
Net incomequarter
$18.6 million
Net income of $18.6 million, or $0.69 per diluted share.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
EPSquarter
$0.69
(NYSE CPF) (the Company ), parent company of Central Pacific Bank (the Bank or CPB ), today reported net income of $18.6 million, or $0.69 per fully diluted earnings share ( EPS ), for the third quarter of 2025.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
This compares to net income of $18.3 million, or EPS of $0.67, in the prior quarter and $13.3 million, or EPS of $0.49, in the same quarter last year.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Adjusted net incomequarter
$19.7 million
Excluding this item, adjusted net income (non-GAAP) for the third quarter of 2025 was $19.7 million, or EPS (non-GAAP) of $0.73.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Other operating incomequarter
$13.5 million
Other operating income for the third quarter of 2025 totaled $13.5 million, compared to $13.0 million in the prior quarter, and $12.7 million in the same quarter last year.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Noninterest Expense revenuequarter
61.3%
LTM HI Peer Avg 61.3% LTM Nat l Peer Avg 60.5% 60.81% 50% 52% 54% 56% 58% 60% 62% 64% 66% 68% - 10 20 30 40 50 60 70 80 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Efficiency Trend (in $MM) Noninterest Expense Revenue Efficiency ratio 1Quarters are normalized for non-recurring items Operational excellence framework to achieve sustainable performance and long-term organizational resilience by integrating people, processes and technology to drive efficiency, innovation and growth 9Central Pacific Financial Corp.
SEC original ↗Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 29, 2025
AI analysis
Q3 2025 · reported Oct 29, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $18.6 million | — | — |
| EPS | $0.69 | — | — |
| Adjusted net income | $19.7 million | — | — |
| Other operating income | $13.5 million | $13.0 million | — |
| Noninterest Expense revenue | 61.3% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
With our strong earnings and capital position, in the fourth quarter we will redeem our subordinated debt and increase our quarterly cash dividend.
Event summary
Results for the third quarter of 2025 included $1.5 million in pre-tax expenses related to the consolidation of the Company's former operations center into its main office
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
With our strong earnings and capital position, in the fourth quarter we will redeem our subordinated debt and increase our quarterly cash dividend.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
During the third quarter of 2025, the Company repurchased 78,255 shares of common stock at a total cost of $2.3 million, or an average price of $29.95 per share.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
As of September 30, 2025, $23.0 million remained available under the Company's share repurchase authorization.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
On October 1, 2025, the Company notified holders of its 4.75% fixed-to-floating rate subordinated notes due 2030, that it would be redeeming the notes in full on the November 1, 2025 call date.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
On October 28, 2025, the Board of Directors declared a quarterly cash dividend of $0.28 per share.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
The dividend represents an increase of 3.7% from $0.27 per share in the third quarter of 2025 and will be payable on December 15, 2025, to shareholders of record as of November 28, 2025.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Strategy & priorities
htm EX-99.1 Document Exhibit 99.1 FOR IMMEDIATE RELEASE Investor Contact Jayrald Rabago Media Contact Tim Sakahara Senior Strategic Financial Officer Corporate Communications Manager (808) 544-3556 (808) 544-5125 jayrald.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Central Pacific delivered another strong quarter, highlighted by continued margin expansion, solid earnings, and growth in both loans and deposits, said Arnold Martines, Chairman, President and CEO.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Strategic Partnership On October 6, 2025, Central Pacific Bank ( CPB ) entered into a strategic partnership with The Kyoto Shinkin Bank ( KSB ), with the signing of a Memorandum of Understanding, to create a stronger economic bridge between Hawaii and Japan.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
In addition, such statements may address anticipated economic performance, the expected impact of business initiatives, and the assumptions underlying any of the foregoing.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
The following reconciling adjustments from GAAP to non-GAAP adjusted financial measures are limited to (1) net pre-tax expenses of $1.5 million related to the consolidation of the Company's former operations center into its main office during the three months ended September 30, 2025, and (2) pre-tax expenses of $3.1 million related to the evaluation and assessment of a strategic opportunity during the three months ended September 30, 2024.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Risks & headwinds
While we believe that our FLS and their underlying assumptions are reasonably based, such statements are inherently subject to risks and uncertainties that may cause actual results to differ materially from expectations.
SEC original ↗Central Pacific Financial Corp — Earnings release (8-K exhibit)EX-99Oct 29, 2025
Tourism Visitor arrivals Aug 2025 -2.6% 1 Jobs Unemployment Rate Aug 2025 2.7% 1 Hawaii has proven to be resilient despite uncertainty and potential downstream impacts from U.
SEC original ↗Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 29, 2025
Earnings deck slides
0 decks with slide viewCentral Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Central Pacific Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
31 documentsEarnings releases
10 documentsPresentations
11 documents
Transcripts
0 documentsNo transcripts for Central Pacific Financial Corp are held in this edition of the library.
Mentioned by
3 companiesOther tracked companies whose held documents mention Central Pacific Financial Corp by name or ticker. A mention is counted once per document, from the document text the library holds.
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