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Central Pacific Financial
Central Pacific Financial (CPF) investor relations material
Central Pacific Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Reported net income of $22.9 million ($0.85 per diluted share) for Q4 2025 and $77.5 million ($2.86 per diluted share) for the full year, both up significantly year-over-year.
Achieved 45% year-over-year growth in net income and EPS for 2025, with non-GAAP growth of 24%.
Efficiency ratio improved to 59.88% in Q4 and 61.05% for the year, reflecting better cost management.
Named to Newsweek's "America's Best Regional Banks" for the fifth consecutive year and recognized for franchise strength and customer trust.
Expanded international strategy via partnership with Korea Investment & Securities to grow deposits and reach Korean customers.
Financial highlights
Q4 2025 net income: $22.9M ($0.85/diluted share); full-year 2025 net income: $77.5M ($2.86/diluted share); adjusted non-GAAP net income: $78.6M, up 24% from 2024.
Net interest income for Q4 was $62.1M, up 1.3% sequentially and 11.3% year-over-year; NIM rose to 3.56% in Q4 and 3.45% for the year.
Total core deposits grew by $78M in Q4; average deposit rate declined to 0.94%.
Total loan portfolio declined by $78M in Q4; full-year loans down $44M, driven by consumer portfolio declines offset by commercial growth.
Efficiency ratio improved to 59.88% in Q4 from 68.91% in 2024.
Outlook and guidance
2026 guidance: low single-digit % growth in net loans and deposits; net interest income expected to increase 4%-6% in 2026.
Other operating income projected to grow 1%-2% in 2026; operating expenses to rise 2.5%-3.5%.
Effective tax rate expected to normalize at 21%-22%.
Board authorized a new $55M share repurchase program for 2026 and increased the quarterly dividend by 3.6% to $0.29 per share.
Capital ratio targets: CET1 11-12%, TCE 7.5-8.5%.
How will construction portfolio growth impact 2026?
Deposit beta outlook with anticipated rate cuts?
What drives the dynamic share repurchase plan?
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Next Central Pacific Financial earnings date
Q1 202622 Apr, 2026
Central Pacific Financial
Next Central Pacific Financial earnings date
Q1 202622 Apr, 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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