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The latest announcement is out from Central Pacific Financial ( (CPF) ).
On January 28, 2026, Central Pacific Financial reported strong fourth-quarter and full-year 2025 results, with quarterly net income rising to $22.9 million, or $0.85 per diluted share, and full-year net income climbing to $77.5 million, or $2.86 per diluted share, compared with 2024. Key profitability metrics improved, including a fourth-quarter ROA of 1.25%, ROE of 15.41% and an efficiency ratio of 59.88%, supported by higher net interest income, a wider net interest margin of 3.56%, lower deposit costs and contained operating expenses. The bank maintained a stable balance sheet, with total assets at $7.41 billion, modest loan contraction offset by growth in core deposits, and solid asset quality characterized by low nonperforming assets and reduced net charge-offs, while preserving a robust capital position with strong regulatory capital ratios. Shareholder returns remained a priority as the company repurchased $16.3 million of stock in the quarter (and $23.3 million for the year), increased its quarterly dividend by 3.6% to $0.29 per share, and secured board approval for a new $55 million share repurchase program for 2026, signaling confidence in its earnings power and capital strength.
The most recent analyst rating on (CPF) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Central Pacific Financial stock, see the CPF Stock Forecast page.
Spark’s Take on CPF Stock
According to Spark, TipRanks’ AI Analyst, CPF is a Outperform.
Central Pacific Financial’s strong financial performance and strategic initiatives are the primary drivers of its positive stock score. The company’s robust profitability, stable balance sheet, and effective risk management are significant strengths. However, technical indicators suggest the stock may be overbought, and economic challenges in Hawaii could pose risks.
To see Spark’s full report on CPF stock, click here.
More about Central Pacific Financial
Central Pacific Financial Corp., parent of Central Pacific Bank, operates as a regional banking company focused on lending, deposit services and related financial products, with a strong presence in Hawaii and an emphasis on balance sheet management, core deposits and disciplined capital deployment.
Average Trading Volume: 152,714
Technical Sentiment Signal: Buy
Current Market Cap: $849.1M
For an in-depth examination of CPF stock, go to TipRanks’ Overview page.