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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

Oct 28, 2026 (In 3 weeks)
Revenue estimate$77.3M
EPS estimate$0.85

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$21.4M+0.8%
CapEx$873.0K-84.5%
Free cash flow$20.6M+31.7%

Valuation & ratios

Valuation

as of 09/30/25
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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-—

FAQ

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 8-K earnings release (0000701347-25-000047) and the 10-Q periodic report (0000701347-25-000049) directly on SEC EDGAR. The filing index links above go to sec.gov.