The earnings call revealed a mix of positive and negative aspects. The company showed strong financial performance with recognition as the Best Bank in Hawaii, improvement in key financial metrics, and positive economic indicators. However, there were challenges with a slight decline in the loan portfolio, an increase in net charge-offs due to a specific commercial loan, and a slight decline in total deposits.

Company Guidance -

Q3 2025

During the Central Pacific Financial Corp. second quarter 2025 earnings call, the company provided several key financial metrics and updates on its performance and strategy. The bank reported net income of $18.3 million, or $0.67 per diluted share, with a return on average assets of 1.00% and a return on average equity of 13.04%. The efficiency ratio improved to 60.36%, driven by a 3.6% increase in net interest income to $59.8 million and a net interest margin expansion of 13 basis points to 3.44%. Total deposits ended the quarter at $6.54 billion, while the loan portfolio slightly declined to $5.29 billion. The bank's effective tax rate was 23.5%, and it repurchased approximately 103,000 shares of common stock for $2.6 million. Additionally, the Board declared a quarterly cash dividend of $0.27 per share. Despite a challenging environment, the bank remains optimistic about growth opportunities, particularly in Hawaii, select Mainland markets, and Asia, while maintaining a cautious outlook on potential economic headwinds.

Best Bank in Hawaii

Central Pacific Financial Corp. was named the Best Bank in Hawaii by Forbes Magazine for the fourth consecutive year.

Tourism and Economic Metrics

Visitor arrivals up 2.8% year-to-date, total visitor spending up 6.5% from the prior year, and the unemployment rate remains low at 2.8%.

Net Interest Income and Margin Expansion

Net interest income increased 3.6% quarter-over-quarter to $59.8 million, and net interest margin expanded by 13 basis points to 3.44%.

Efficiency Ratio Improvement

The efficiency ratio improved to 60.36% due to revenue expansion, internal efficiencies, and expense management.

Noninterest-Bearing Deposits Growth

Deposit mix shifted favorably with an increase in noninterest-bearing DDA deposits.

Central Pacific Financial (CPF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CPF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.72 / -	0.49	―	―	―
Jul 25, 2025	2025 (Q2)	0.64 / 0.67	0.58	15.52% (+0.09)
Apr 23, 2025	2025 (Q1)	0.63 / 0.65	0.48	35.42% (+0.17)
Jan 29, 2025	2024 (Q4)	0.61 / 0.42	0.55	-23.64% (-0.13)
Oct 30, 2024	2024 (Q3)	0.56 / 0.49	0.49	0.00% (0.00)
Jul 31, 2024	2024 (Q2)	0.47 / 0.58	0.53	9.43% (+0.05)
Apr 24, 2024	2024 (Q1)	0.45 / 0.48	0.6	-20.00% (-0.12)
Jan 31, 2024	2023 (Q4)	0.48 / 0.55	0.74	-25.68% (-0.19)
Oct 25, 2023	2023 (Q3)	0.52 / 0.49	0.61	-19.67% (-0.12)
Jul 26, 2023	2023 (Q2)	0.54 / 0.53	0.64	-17.19% (-0.11)

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
Jul 25, 2025	$27.86	$27.63	-0.83%
Apr 23, 2025	$25.87	$26.12	+0.97%
Jan 29, 2025	$28.02	$27.46	-2.00%
Oct 30, 2024	$28.36	$26.03	-8.22%

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 Oct 29, 2025, Before Open (Confirmed).

What is Central Pacific Financial Corp (CPF) earnings time?

Central Pacific Financial Corp (CPF) earnings time is at Oct 29, 2025, 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 2025 (Q3) is 0.73.

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