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Central Pacific Financial (CPF) investor relations material
Central Pacific Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $18.6 million ($0.69 per diluted share), with adjusted net income of $19.7 million ($0.73 per share) after excluding $1.5 million in one-time consolidation costs.
Net interest margin rose to 3.49%, up 5 bps sequentially and 42 bps year-over-year, with net interest income up 2.5% sequentially and 13.9% year-over-year.
Loans and deposits both grew sequentially, with total loans at $5.37 billion and deposits at $6.64 billion as of September 30, 2025.
Announced a strategic partnership with Kyoto Shinkin Bank to expand international reach and reinforce Hawaii-Japan business ties.
Increased quarterly dividend to $0.28 per share and repurchased 78,000 shares for $2.3 million in Q3, with $23 million remaining under repurchase authorization.
Financial highlights
Net interest income for Q3 2025 was $61.3 million, with total other operating income at $13.5 million and efficiency ratio at 62.84% (60.81% adjusted).
Total deposits reached $6.64 billion, with 29% non-interest bearing and core deposits representing 90.9% of total deposits.
Allowance for credit losses on loans was $60.4 million (1.13% of total loans), and nonperforming assets were $14.3 million (0.19% of total assets).
Book value per share was $21.86, and tangible common equity ratio was 7.92% as of September 30, 2025.
Regulatory capital ratios: CET1 12.6%, total risk-based capital 15.7%, leverage ratio 9.7%.
Outlook and guidance
Full-year 2025 loan growth expected in the low single-digit percentage range, with deposit growth flat and optimism for low single-digit growth in 2026.
Fourth quarter net interest income guidance: $62–$63 million; net interest margin expected to increase 5–10 bps.
Total other operating income guidance for Q4: $12–$13 million; operating expense guidance: $45–$46 million.
Well positioned for a declining rate environment, with 29% of the loan portfolio and over 90% of CDs repricing within one year.
Management expects continued pressure from economic headwinds, including a mild recession forecast for Hawaii and inflationary impacts.
Capital deployment strategy with CET1 above target?
What will drive Hawaii loan growth acceleration?
What are the expected benefits from Kyoto Shinkin Bank partnership?
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Next Central Pacific Financial earnings date
Q4 202528 Jan, 2026
Next Central Pacific Financial earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
Central Pacific Financial Corp is a bank holding company that provides commercial and retail banking services through its subsidiary, Central Pacific Bank. The company offers a range of deposit, lending, and wealth management services to consumers and businesses throughout Hawaii. It operates branch locations and digital platforms to serve its customer base. The company is headquartered in Honolulu, Hawaii, and its shares are listed on the NYSE.
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