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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.
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.
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