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Central Pacific Financial CPF Q3 2025 earnings

Reported October 29, 2025 · Before market open

Revenue$73.5MMiss by $1.8M
EPS$0.73Beat by $0.01
Revenue estimate$75.3M
EPS estimate$0.72

Next report

Date not yet announced

Financials

Q3 2025

Income statement

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Revenue$74.8M+12.3%
Net income$18.6M+39.6%
EPS (diluted)$0.69+40.8%

Balance sheet

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Total debt$157.8M-17.0%
Total equity$588.1M+8.2%
Total assets$7.4B+0.1%

Cash flow

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Operating cash flow$22.2M+4.6%
CapEx$873.0K-84.5%
Free cash flow$21.4M+36.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$818.62M+2.5%
Enterprise value$976.43M-1.2%
P/E12.4×-1.6×
P/S3×-0.1×

Profitability

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Net margin24%+2.0pp
FCF margin35.7%+8.3pp

Returns & leverage

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Return on equity11.7%+0.4pp
Debt / equity0.3×-0.1×

Segments

By product

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Other service charges and fees$5.9M+13.0%
Service charges on deposit accounts$2.3M+7.5%
Income from fiduciary activities$1.5M+6.9%
Mortgage banking income$297.0K-15.6%
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 $854.7K
Q3 2025$73.5MMiss by $1.8M
Q2 2025$71.6MMiss by $3.0MQ1 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 $0.12
Q3 2025$0.73Beat by $0.01
Q2 2025$0.67Beat by $0.03Q1 2025$0.65Beat by $0.02

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Questions, answered.

When did Central Pacific Financial report Q3 2025 earnings?
Central Pacific Financial (CPF) reported Q3 2025 earnings on October 29, 2025 before market open.
What were Central Pacific Financial's Q3 2025 revenue and EPS?
Central Pacific Financial reported revenue of $73.5M and eps of $0.73 for Q3 2025.
Did Central Pacific Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $75.3M by $1.8M. EPS beat the consensus estimate of $0.72 by $0.01.
How did Central Pacific Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.5% from $65.3M a year earlier and eps grew 49.0% from $0.49.
Where can I find Central Pacific Financial's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000701347-25-000049) directly on SEC EDGAR. The filing index links above go to sec.gov.