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Central Pacific Financial
Central Pacific Financial (CPF) investor relations material
Central Pacific Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Reported net income of $22.9M ($0.85/diluted share) for Q4 and $77.5M ($2.86/diluted share) for 2025, both up significantly year-over-year.
Achieved 45% year-over-year growth in net income and EPS for 2025, with non-GAAP growth of 24%.
Recognized as one of America's Best Regional Banks for 2026 and named to Newsweek's list for the fifth consecutive year.
Efficiency ratio improved to 59.88% in Q4 and 61.05% for the year, reflecting better cost management.
Expanded international strategy via partnership with Korea Investment & Securities to grow deposit opportunities.
Financial highlights
Q4 net income was $22.9M ($0.85/diluted share), up from $18.6M ($0.69/diluted share) in prior quarter; full-year net income reached $77.5M ($2.86/diluted share).
Net interest income for Q4 was $62.1M, up 1.3% sequentially and 11.3% year-over-year; NIM rose to 3.56% in Q4 and 3.45% for the year.
Core deposits grew by $78M in Q4; average deposit rate paid declined to 0.94%.
Total loan portfolio declined by $78M in Q4, with full-year loans down $44M due to consumer portfolio reductions.
Efficiency ratio improved to 59.88% in Q4 from 68.91% in 2024.
Outlook and guidance
Guiding to low single-digit % growth in net loans and deposits for 2026.
Expecting 4%-6% increase in net interest income and 1%-2% growth in other operating income for 2026.
Anticipate NIM expansion in 2026, but at a slower pace; Q1 NIM expected to expand 2-5 bps.
Board authorized a new $55M share repurchase program for 2026 and increased the quarterly dividend by 3.6% to $0.29 per share.
Operating expenses projected to rise 2.5%-3.5% in 2026.
How will construction portfolio growth impact 2026?
Deposit beta outlook with anticipated rate cuts?
What drives the dynamic share repurchase plan?
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Next Central Pacific Financial earnings date
Q1 202622 Apr, 2026
Central Pacific Financial
Next Central Pacific Financial earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Central Pacific Financial Corp is a bank holding company that provides commercial and retail banking services through its subsidiary, Central Pacific Bank. The company offers a range of deposit, lending, and wealth management services to consumers and businesses throughout Hawaii. It operates branch locations and digital platforms to serve its customer base. The company is headquartered in Honolulu, Hawaii, and its shares are listed on the NYSE.
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