The earnings call reflected a generally positive outlook with strong credit performance, recognition as the Best Bank in Hawaii, and improvements in net interest margin and efficiency ratio. However, there were challenges such as a slight decline in the loan portfolio, deposit decreases, and increased nonperforming assets.

Company Guidance -

Q3 2025

During the Central Pacific Financial Corp. second quarter 2025 conference call, the company provided several key metrics and guidance. 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 net interest margin increased by 13 basis points to 3.44%, driven by a rise in average loan yields to 4.96% and a decline in total deposit costs to 1.02%. The efficiency ratio improved to 60.36%. The loan portfolio slightly declined to $5.29 billion, while total deposits also decreased marginally to $6.54 billion, with an increase in noninterest-bearing deposits. The bank's loan and deposit growth strategy targets low single-digit growth for the full year. Net charge-offs were reported at $4.7 million, with nonperforming assets at $14.9 million or 20 basis points of total assets. The bank's strong asset quality and capital positions, with a total risk-based capital ratio of 15.8%, were highlighted as enabling factors for future growth. The board declared a quarterly cash dividend of $0.27 per share, with $25.3 million remaining in share repurchase authorization. The guidance reflects a cautiously optimistic outlook for Hawaii's economy and the bank's core business environment.

Best Bank in Hawaii

Central Pacific Financial Corp. was named the Best Bank in Hawaii by Forbes Magazine in 2025 for the fourth consecutive year.

Net Interest Margin Expansion

Net interest margin expanded by 13 basis points to 3.44%, driven by an increase in loan portfolio yield and a decline in total deposit costs.

Visitor Spending and Tourism Recovery

Total visitor spending was up 6.5% year-over-year and up 24.3% from 2019 levels, despite a slow recovery of Japanese visitors.

Strong Credit Performance

Credit performance remained strong with net charge-offs at 35 basis points annualized, and nonperforming assets at 20 basis points of total assets.

Net Income and Efficiency Ratio Improvement

Net income was $18.3 million, with an improved efficiency ratio of 60.36% due to revenue expansion and expense management.

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

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CPF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.67 / -	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 0.67.

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