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Central Pacific Financial Corp.

Central Pacific Financial Corp.

NYSE•CPF
CEO: Mr. Arnold D. Martines
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1987-08-28
Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.
Contact Information
220 South King Street, Honolulu, HI, 96813, United States
808-544-0500
www.cpb.bank
Market Cap
$871.07M
P/E (TTM)
13.2
14.9
Dividend Yield
3.4%
52W High
$33.35
52W Low
$23.16
52W Range
89%
Rank46Top 45.7%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$92.19M+3.14%
4-Quarter Trend

EPS

$0.69+40.82%
4-Quarter Trend

FCF

$21.36M+36.77%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Interest Income Rises Taxable-equivalent NII grew 14.7% YTD to $178.8M; Q3 NIM expanded 42 bps to 3.49% due to higher asset yields.
Net Income Significantly Higher Nine-month net income reached $54.6M, up from $42.1M in 2024, supported by strong net interest income performance.
Loan Portfolio Shows Growth Total net loans increased 0.6% to $5.31B since year-end, led by Mainland commercial mortgage loans up $108.0M.
Capital Ratios Remain Strong CPF leverage capital ratio stood at 9.7%, significantly exceeding the 4.0% minimum requirement for capital adequacy purposes.

Risk Factors

Nonaccrual Loans Increased Total nonaccrual loans rose 30.0% to $14.3M from year-end, increasing the ratio of NPAs to total assets to 0.19%.
Evolving Interest Rate Outlook FOMC cut rates to 4.00%-4.25% in Sept 2025, signaling potential further cuts, which could pressure future net interest margin.
Criticized Loans Deterioration Criticized loans grew $62.3M to $95.1M, driven by downgrades in commercial real estate participation loans during Q2 2025.
Slight Deposit Portfolio Decline Total deposits decreased 1.0% to $6.58B since year-end, driven by declines in savings and time deposits under $250K.

Outlook

Hawaii Economic Headwinds UHERO forecasts a mild recession in Hawaii driven by tourism decline and weakening U.S./global conditions through year-end 2025.
Subordinated Note Redemption Planned Company provided notice to redeem $55.0M subordinated notes at par on November 1, 2025, impacting future interest expense.
Mainland Loan Portfolio Expansion U.S. Mainland loan portfolio grew 18.0% YTD, driven by commercial mortgage increases, supporting geographic diversification goals.

Peer Comparison

Revenue (TTM)

Metropolitan Bank Holding Corp.MCB
$510.83M
+6.5%
Amalgamated Financial Corp.AMAL
$447.73M
+4.3%
Hanmi Financial CorporationHAFC
$438.96M
+3.1%

Gross Margin (Latest Quarter)

Amalgamated Financial Corp.AMAL
67.5%
-3.6pp
Capitol Federal Financial, Inc.CFFN
48.9%
+3.7pp
Northeast BankNBN
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
AMAL$979.22M9.613.8%1.0%
CFFN$903.97M13.46.5%19.9%
CPF$871.07M13.211.7%0.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.8%
Moderate Growth
4Q Net Income CAGR
17.9%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
|
EPS:$0.74
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 29, 2025|
    Revenue: $92.19M+3.1%
    |
    EPS: $0.69+40.8%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $89.94M+3.9%
    |
    EPS: $0.68+17.2%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 30, 2025|
    Revenue: $87.11M+3.1%
    |
    EPS: $0.66+37.5%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 26, 2025|
    Revenue: $340.48M+6.5%
    |
    EPS: $1.97-9.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $89.38M+10.4%
    |
    EPS: $0.49+0.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 31, 2024|
    Revenue: $86.59M+10.2%
    |
    EPS: $0.58+7.4%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 24, 2024|
    Revenue: $84.48M+10.5%
    |
    EPS: $0.48-20.0%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 21, 2024|
    Revenue: $319.63M+15.4%
    |
    EPS: $2.17-19.6%
    Beat