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Central Pacific Financial CPF Q2 2025 earnings

Reported July 25, 2025 · Before market open

Revenue$71.6MMiss by $3.0M
EPS$0.67Beat by $0.03
Revenue estimate$74.6M
EPS estimate$0.64

Next report

Date not yet announced

Financials

Q2 2025

Income statement

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Revenue$72.8M+13.7%
Net income$18.3M+15.5%
EPS (diluted)$0.67+15.5%

Balance sheet

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Total debt$163.4M-13.8%
Total equity$568.9M+9.7%
Total assets$7.4B-0.2%

Cash flow

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Operating cash flow$34.3M+32.1%
CapEx$2.0M-57.3%
Free cash flow$32.3M+51.7%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$740.49M+29.2%
Enterprise value$903.94M+18.5%
P/E12.2×+2.1×
P/S2.8×+0.5×

Profitability

See full
Net margin22.8%+0.4pp
FCF margin34.6%+0.1pp

Returns & leverage

See full
Return on equity11.2%-0.3pp
Debt / equity0.3×-0.1×

Segments

By product

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Other service charges and fees$5.3M-0.7%
Service charges on deposit accounts$2.1M-0.5%
Income from fiduciary activities$1.5M+3.6%
Mortgage banking income$197.0K-2.5%
Income from bank-owned life insurance-—

Versus estimates

Revenue

Q2 2026$77.5MBeat by $1.8MQ1 2026$72.9MMiss by $1.4MQ4 2025$76.3MBeat by $854.7KQ3 2025$73.5MMiss by $1.8M
Q2 2025$71.6MMiss by $3.0M
Q1 2025$67.6MMiss by $4.2M

Diluted EPS

Q2 2026$0.80Beat by $0.02Q1 2026$0.78Beat by $0.04Q4 2025$0.85Beat by $0.12Q3 2025$0.73Beat by $0.01
Q2 2025$0.67Beat by $0.03
Q1 2025$0.65Beat by $0.02

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Questions, answered.

When did Central Pacific Financial report Q2 2025 earnings?
Central Pacific Financial (CPF) reported Q2 2025 earnings on July 25, 2025 before market open.
What were Central Pacific Financial's Q2 2025 revenue and EPS?
Central Pacific Financial reported revenue of $71.6M and eps of $0.67 for Q2 2025.
Did Central Pacific Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $74.6M by $3.0M. EPS beat the consensus estimate of $0.64 by $0.03.
How did Central Pacific Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.3% from $62.7M a year earlier and eps grew 15.5% from $0.58.
Where can I find Central Pacific Financial's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000701347-25-000027) directly on SEC EDGAR. The filing index links above go to sec.gov.