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Investor Relations14 Oct 2025
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Central Pacific Financial (CPF) investor relations material
Central Pacific Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $18.3M ($0.67 per diluted share), up from $17.8M in Q1 2025 and $15.8M in Q2 2024, reflecting improved profitability and recognition as Best Bank in Hawaii by Forbes for the fourth consecutive year.
Efficiency ratio improved to 60.36% in Q2 2025 from 61.16% in Q1 2025 and 64.26% in Q2 2024, driven by process improvements and expense management.
Return on average assets was 1.00% and return on average equity was 13.04% for the quarter.
Board approved a quarterly cash dividend of $0.27 per share.
Maintained strong asset quality, capital, and liquidity, supporting business growth and customer needs.
Financial highlights
Net interest income for Q2 2025 was $59.8M, up 3.6% sequentially and 15.2% year-over-year; net interest margin rose to 3.44%.
Pre-provision net revenue reached $28.9M in Q2 2025, up from $26.7M in Q1 2025 and $22.9M in Q2 2024.
Total assets were $7.37B as of June 30, 2025; market cap $758M; share price $28.08.
Total deposits were $6.54B, with core deposits making up 91% of total; total loans net of ACL were $5.23B.
Allowance for credit losses on loans was $59.6M (1.13% of total loans); nonperforming assets were $14.9M (0.20% of total assets).
Outlook and guidance
Management expects continued improvement in net interest margin, supported by higher loan and securities yields and lower deposit costs.
Targeting low single-digit full-year growth for both loans and deposits in 2025.
Near-term guidance for total other operating expense is $43.5M–$44.5M per quarter, excluding one-time impacts.
Effective tax rate expected to remain in the 22%–24% range.
Hawaii's economy is projected to remain stable with low unemployment and modest growth in personal income and gross state product.
Explain the increase in credit loss provision.
Why did the effective tax rate increase?
Discuss drivers of the efficiency ratio improvement.
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Next Central Pacific Financial earnings date
Q3 202529 Oct, 2025
Next Central Pacific Financial earnings date
Q3 202529 Oct, 2025
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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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