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Central Pacific Financial Corp (CPF)
NYSE:CPF
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.76Last Year’s EPS
0.65Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a positive operating and capital story: strong Q4 and full-year profitability, margin expansion, improved core earnings and shareholder returns, disciplined expense management, robust capital ratios, and active capital deployment (dividend increase and buyback). Offsetting this were near-term headwinds to loan growth from sizable loan runoff, delayed fundings (with some expected to push into Q2 2026), contraction in consumer/residential portfolios, and cautious guidance for low single-digit loan/deposit growth. Overall the company presents solid execution and momentum but with prudent, conservative guidance reflecting macro and portfolio timing risks.Company Guidance
Strong Quarterly and Annual Profitability
Q4 net income of $22.9M (85¢ per diluted share) versus $18.6M (69¢) in prior quarter, a ~23.1% quarter-over-quarter increase; full-year 2025 net income of $77.5M ($2.86 per diluted share).
Meaningful Year-over-Year Core Earnings Improvement
Adjusted non-GAAP net income of $78.6M for 2025, representing a 24% increase over 2024 non-GAAP net income of $63.4M; core earnings per share increased 24% year-over-year.
Margin Expansion and Interest Income Guidance
Net interest income in Q4 was $62.1M, up 1.3% sequentially; net interest margin expanded 7 basis points to 3.56%. Company guides to ~4–6% increase in full-year 2026 net interest income and first-quarter NIM expansion of ~2–5 basis points.
Deposit and Funding Highlights
Total core deposits grew by $78M in the quarter, noninterest-bearing deposits remain sizable at 29% of total deposits, and the average rate paid on total deposits declined to 94 bps from 102 bps (down 8 bps); deposit spot rate at 12/31 was 89 bps.
Capital Return and Shareholder Metrics
Repurchased 788,000 shares for $23.3M in Q4; board declared a quarterly cash dividend of $0.29 (up 3.6% sequentially) and approved a new $55M share repurchase authorization for 2026. Total shareholder return over the past three years was 77%.
Solid Capital and Credit Position
Total risk-based capital ratio of 14.8% at quarter-end, CET1 target of 11–12%; credit metrics remained healthy with low nonperforming assets, stable provisioning, and conservative underwriting emphasis.
Other Operating Income and Expense Discipline
Total other operating income rose to $14.2M (up $0.7M sequentially) driven by BOLI income (recognized $1.4M death benefit); operating expenses declined $1.3M sequentially (prior quarter included one-time consolidation costs); continued focus on expense discipline and technology investments.
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 |
|---|---|---|---|
Jan 27, 2026 | $31.65 | $31.69 | +0.13% |
Oct 29, 2025 | $29.99 | $28.08 | -6.38% |
Jul 25, 2025 | $27.36 | $27.14 | -0.83% |
Apr 23, 2025 | $25.41 | $25.66 | +0.99% |
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 Apr 29, 2026, Before Open (Confirmed).
What is Central Pacific Financial Corp (CPF) earnings time?
Central Pacific Financial Corp (CPF) earnings time is at Apr 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 (Q1) is 0.76.