)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Central Pacific Financial earnings date
Q1 202622 Apr, 2026
Central Pacific Financial
Next Central Pacific Financial earnings date
Q1 202622 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage