Earnings summaries and quarterly performance for CENTRAL PACIFIC FINANCIAL.
Executive leadership at CENTRAL PACIFIC FINANCIAL.
Arnold D. Martines
Detailed
Chairman, President and Chief Executive Officer
CEO
AM
Anna M. Hu
Detailed
Executive Vice President, Chief Credit Officer
DS
David S. Morimoto
Detailed
Vice Chairman and Chief Operating Officer
DN
Dayna N. Matsumoto
Detailed
Executive Vice President and Chief Financial Officer
DW
Diane W. Murakami
Detailed
Executive Vice President, Commercial Markets
GK
Glenn K.C. Ching
Detailed
Executive Vice President, Chief Legal Officer and Corporate Secretary
KJ
Kisan Jo
Detailed
Executive Vice President, Retail and Wealth Markets
RM
Ralph M. Mesick
Detailed
Senior Executive Vice President and Chief Risk Officer
Board of directors at CENTRAL PACIFIC FINANCIAL.
CT
Christopher T. Lutes
Detailed
Director
CK
Crystal K. Rose
Detailed
Lead Independent Director
DS
Diane S.L. Paloma
Detailed
Director
EE
Earl E. Fry
Detailed
Director
JR
Jason R. Fujimoto
Detailed
Director
JB
Jonathan B. Kindred
Detailed
Director
PJ
Paul J. Kosasa
Detailed
Director
RK
Robert K.W.H. Nobriga
Detailed
Director
SK
Saedene K. Ota
Detailed
Director
Research analysts who have asked questions during CENTRAL PACIFIC FINANCIAL earnings calls.
David Feaster
Raymond James
6 questions for CPF
Also covers: ABCB, ALRS, AX +20 more
Andrew Liesch
Piper Sandler
3 questions for CPF
Also covers: AX, BANR, BOH +13 more
MC
Matthew Clark
Piper Sandler
3 questions for CPF
Also covers: AVBH, BANC, BANR +24 more
KM
Kelly Motta
Keefe, Bruyette & Woods
2 questions for CPF
Also covers: AX, BANR, BOH +20 more
Recent press releases and 8-K filings for CPF.
Central Pacific Financial Corp. Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CPF
Earnings
Guidance Update
Share Buyback
- Central Pacific Financial Corp. reported net income of $22.9 million or $0.85 per diluted share for Q4 2025, and $77.5 million or $2.86 per diluted share for the full year 2025. Adjusted non-GAAP net income for FY 2025 increased 24% over 2024.
- In Q4 2025, the company's net interest margin expanded 7 basis points to 3.56%, with the average rate paid on total deposits declining to 94 basis points. Total core deposits grew by $78 million, while the total loan portfolio declined by $78 million from the prior quarter.
- For 2026, the company guides for low single-digit % net loan and deposit growth, an approximate 4%-6% increase in net interest income, and a 2.5%-3.5% increase in total other operating expense from 2025 normalized.
- The board declared a Q1 cash dividend of $0.29 per share, a 3.6% increase, and authorized a new share repurchase program for up to $55 million in 2026.
Jan 28, 2026, 6:00 PM
Central Pacific Financial Corp. Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CPF
Earnings
Guidance Update
Share Buyback
- Central Pacific Financial Corp. reported net income of $22.9 million or $0.85 per diluted share for the fourth quarter of 2025, and $77.5 million or $2.86 per diluted share for the full year 2025. The adjusted non-GAAP net income for FY 2025 increased 24% over 2024.
- In Q4 2025, net interest income rose 1.3% to $62.1 million, with the net interest margin expanding 7 basis points to 3.56%. Total core deposits grew by $78 million during the quarter, and the average rate paid on total deposits declined to 94 basis points.
- For 2026, the company is guiding for full-year net loan and deposit growth in the low single-digit % range, a 4%-6% increase in net interest income, and a 2.5%-3.5% increase in total other operating expenses from 2025 normalized.
- The board declared a first quarter cash dividend of $0.29 per share, an increase of 3.6%, and approved a new share repurchase authorization for up to $55 million in 2026. For the full year 2025, the company repurchased 788,000 shares at a total cost of $23.3 million.
Jan 28, 2026, 6:00 PM
Central Pacific Financial Corp. Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CPF
Earnings
Guidance Update
Share Buyback
- Central Pacific Financial Corp. reported Q4 2025 net income of $22.9 million or $0.85 per diluted share, with a return on average assets of 1.25% and return on average equity of 15.41%. For the full year 2025, net income was $77.5 million or $2.86 per diluted share, and adjusted non-GAAP net income increased 24% over 2024.
- Net interest income for Q4 2025 rose by 1.3% to $62.1 million, and net interest margin expanded 7 basis points to 3.56%. Total core deposits grew by $78 million during the quarter, while the total loan portfolio declined by $78 million.
- For 2026, the company guides for low single-digit percentage growth in net loans and deposits, a 4% to 6% increase in net interest income, and a 2.5% to 3.5% increase in total other operating expenses from 2025 normalized.
- The board approved a new share repurchase authorization for up to $55 million in 2026 and declared a first quarter cash dividend of $0.29 per share, a 3.6% increase.
- Strategic initiatives include a new partnership with Korea Investment & Securities to expand international reach and a continued focus on shifting the loan portfolio mix towards commercial.
Jan 28, 2026, 6:00 PM
Central Pacific Financial Corp. Reports Strong Q4 and Full Year 2025 Results
CPF
Earnings
Dividends
Share Buyback
- Central Pacific Financial Corp. (CPF) reported net income of $22.9 million and diluted EPS of $0.85 for Q4 2025. For the full year 2025, net income and EPS increased 45% from 2024, reaching $77.5 million and $2.86, respectively.
- The Net Interest Margin (NIM) expanded 7 basis points quarter-over-quarter to 3.56% in Q4 2025, and 44 basis points year-over-year.
- The company repurchased 530K shares of common stock for $16.3 million in Q4 2025, totaling 788K shares for $23.3 million in 2025. A new share repurchase authorization of up to $55 million was approved for 2026, and a quarterly cash dividend of $0.29 per share was declared for Q1 2026, marking a 3.6% increase from the prior quarter.
- CPF's core deposits grew $78 million from the prior quarter in Q4 2025. The company maintains a strategic focus on its core Hawaii franchise, complemented by diversification efforts in Japan and Korea to grow high net-worth relationships and generate low-cost core U.S. dollar deposits.
Jan 28, 2026, 6:00 PM
Central Pacific Financial Corp. Reports Strong Q4 and Full Year 2025 Earnings, Increases Dividend, and Authorizes New Share Repurchase Program
CPF
Earnings
Dividends
Share Buyback
- Central Pacific Financial Corp. reported net income of $22.9 million, or $0.85 per diluted share for the fourth quarter of 2025, and $77.5 million, or $2.86 per diluted share for the full year 2025.
- Profitability metrics for Q4 2025 included a return on average assets (ROA) of 1.25%, a return on average equity (ROE) of 15.41%, and a net interest margin (NIM) of 3.56%, which was up 7 basis points from the prior quarter.
- During the fourth quarter of 2025, the company repurchased 529,613 shares of common stock at a total cost of $16.3 million. For the full year 2025, 788,261 shares were repurchased at a total cost of $23.3 million.
- The Board of Directors authorized a new share repurchase program of $55 million for 2026 and increased the quarterly cash dividend by 3.6% to $0.29 per share.
Jan 28, 2026, 12:09 PM
Central Pacific Financial Reports Net Income for 2025
CPF
Earnings
Share Buyback
Guidance Update
- Central Pacific Financial reported full-year 2025 net income of $77.5 million ($2.86 per diluted share), alongside a 24% increase in adjusted non-GAAP net income to $78.6 million.
- The company demonstrated capital return through repurchasing 788,000 shares for $23.3 million and authorizing a new $55 million buyback, in addition to raising the quarterly dividend to $0.29.
- Despite strong profitability, the bank experienced a $44 million full-year loan decline, largely driven by a $190 million drop in residential, home-equity, and consumer loans.
- Management provided a near-term net interest income growth target of approximately 4% to 6%.
Jan 28, 2026, 10:49 AM
Central Pacific Financial Reports Strong Fourth Quarter and Full Year 2025 Earnings
CPF
Earnings
Dividends
Share Buyback
- Central Pacific Financial reported net income of $22.9 million, or $0.85 per diluted share, for the fourth quarter of 2025, and $77.5 million, or $2.86 per diluted share, for the full year 2025.
- The company achieved a Return on average assets (ROA) of 1.25% and a Return on average equity (ROE) of 15.41% for the fourth quarter of 2025.
- The efficiency ratio improved to 59.88% in the fourth quarter of 2025, and the net interest margin (NIM) increased to 3.56%, up 7 basis points from the prior quarter.
- The Board of Directors authorized a new $55 million share repurchase program for 2026 and increased the quarterly cash dividend by 3.6% to $0.29 per share.
Jan 28, 2026, 10:30 AM
Central Pacific Bank Expands SMB Lending Capabilities with Biz2X
CPF
New Projects/Investments
Product Launch
- Central Pacific Bank (CPB) is expanding its partnership with Biz2X to enhance its Small and Mid-size Business (SMB) lending capabilities, broadening its use of the platform beyond SBA lending to include non-SBA business loans.
- This move replaces CPB’s legacy workflow with a modern, cloud-based lending engine that offers greater automation, robust functionality, and configurable workflows.
- The integration of Biz2X introduces automated loan decisioning, automated tax return spreading, and a streamlined origination workflow, leading to increased efficiency across the full loan lifecycle.
- The partnership is expected to result in faster approvals and funding, higher customer satisfaction, and increased throughput and growth potential for CPB's SMB credit delivery.
Jan 14, 2026, 1:15 PM
Central Pacific Financial Corp. Reports Q3 2025 Results and Capital Actions
CPF
Earnings
Dividends
Share Buyback
- Central Pacific Financial Corp. reported Q3 2025 net income of $18.6 million and diluted EPS of $0.69, with a Net Interest Margin (NIM) of 3.49% and a Return on Assets (ROA) of 1.01%.
- The company's capital allocation strategy includes an increased quarterly cash dividend to $0.28 per share for Q4 2025, and share repurchases totaling $10.0 million (335K shares) through December 15, 2025.
- As of September 30, 2025, CPF had total assets of $7.4 billion and a market capitalization of $816 million, with a share price of $30.34 and a dividend yield of 3.7%.
- Strategic focus includes strengthening brand, stable low-cost funding, disciplined asset deployment, and thoughtful diversification, with no current plans for M&A. The company also achieved ~$1 million in annual expense savings from consolidating its Operations Center.
Dec 16, 2025, 3:19 PM
Central Pacific Financial Corp. Reports Strong Q3 2025 Results and Provides Q4 Guidance
CPF
Earnings
Guidance Update
Dividends
- Central Pacific Financial Corp. reported net income of $18.6 million or $0.69 per diluted share for Q3 2025. Excluding one-time office consolidation costs, adjusted net income was $19.7 million or $0.73 per diluted share.
- The company achieved net interest income of $61.3 million and a net interest margin of 3.49% in Q3 2025. For Q4 2025, guidance projects net interest income between $62 million and $63 million and a 5 to 10 basis point increase in net interest margin.
- In Q3 2025, loans increased by $77 million and deposits grew by $33 million, bringing total deposits to $6.6 billion.
- Central Pacific Financial Corp. returned capital to shareholders by repurchasing approximately 78,000 shares at a cost of $2.3 million in Q3 2025, and increased the quarterly dividend by 3.7% to $0.28 per share.
- The company completed the strategic consolidation of its operations center, expecting $1 million in annual savings, and announced a new strategic partnership with Kyoto Shinkin Bank to strengthen economic ties between Hawaii and Japan.
Oct 29, 2025, 6:00 PM
Quarterly earnings call transcripts for CENTRAL PACIFIC FINANCIAL.
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