Central Pacific Financial Corp (CPF)
NYSE:CPF
Want to see CPF full AI Analyst Report?
Earnings Data
Report Date
Jul 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.78Last Year’s EPS
0.67Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed generally positive results driven by strong earnings, solid capital and liquidity positions, loan and deposit growth, and low credit stress. Offsetting items included moderation in new loan yields, some sequential decline in other operating income (BOLI-related), and modest expected expense growth. These negatives were described as manageable and mostly isolated, while management maintained constructive guidance for net interest income and capital deployment (dividends and buybacks).Company Guidance
Solid Quarterly Earnings and EPS Growth
Net income of $20.7 million and diluted EPS of $0.78, representing a 20% increase in EPS year-over-year; return on average assets 1.12% and return on average equity 13.9%.
Healthy Net Interest Income and Margin
Net interest income of $61.4 million with net interest margin of 3.53%; guidance for Q2 NIM of 3.50%–3.55% and full-year net interest income growth guidance of +4% to +6% versus prior year.
Loan and Deposit Growth
Total loans increased by $31 million to $5.3 billion; total deposits rose $90 million to $6.7 billion with core deposits over 90% of total deposits.
Lower Deposit Costs and Funding Leverage
Total deposit cost declined 4 basis points quarter-over-quarter to 0.90%; management highlighted CD repricing headroom (≈$480 million maturing with a blended 2.8% rate) and continued modest expected decline in CD cost.
Strong Credit Metrics and Capital Position
Nonperforming assets of $14.5 million (19 bps of assets); net charge-offs 18 bps; provision expense $2.4 million and $2.7 million added to allowance; total risk-based capital ratio 14.7% providing ample capital flexibility.
Capital Return and Shareholder Actions
Declared Q2 cash dividend of $0.29 per share; repurchased ~321,000 shares for $10.5 million in Q1 with $44.5 million remaining authorization; stated priority of using capital for loan growth and buybacks.
Recognition and Local Economic Resilience
Named Hawaii U.S. Small Business Administration Lender of the Year for 2025 (17th time); cited resilient Hawaii economy with visitor spending increases and unemployment at 2.3%.
Liquidity and Redeployment Optionality
Reported excess liquidity of roughly $100 million to $150 million that can be redeployed into loans or securities; securities cash flows ≈$30 million/quarter at ~2.8% with new purchases yielding ~5%.
CPF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CPF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2026 | $34.61 | $34.18 | -1.24% |
Jan 27, 2026 | $31.38 | $31.42 | +0.13% |
Oct 29, 2025 | $29.73 | $27.84 | -6.37% |
Jul 25, 2025 | $27.13 | $26.91 | -0.83% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Central Pacific Financial Corp (CPF) report earnings?
Central Pacific Financial Corp (CPF) is schdueled to report earning on Jul 29, 2026, Before Open (Confirmed).
What is Central Pacific Financial Corp (CPF) earnings time?
Central Pacific Financial Corp (CPF) earnings time is at Jul 29, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CPF EPS forecast?
CPF EPS forecast for the fiscal quarter 2026 (Q2) is 0.78.