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Central Pacific Financial CPF Q4 2025 Annual earnings

Reported January 28, 2026 · Before market open

Revenue$76.3MBeat by $854.7K
EPS$0.85Beat by $0.12
Revenue estimate$75.4M
EPS estimate$0.73

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$76.3M+30.6%
Net income$22.9M+102%
EPS (diluted)$0.85+102%

Balance sheet

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Total debt$102.1M-45.8%
Total equity$592.6M+10.1%
Total assets$7.4B-0.8%

Cash flow

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Operating cash flow$20.5M-22.0%
CapEx$1.4M-7.4%
Free cash flow$19.1M-22.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$835.3M+6.2%
Enterprise value$937.4M-3.8%
P/E10.8×-3.9×
P/S2.9×-0.3×

Profitability

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Net margin26.5%+5.1pp
FCF margin31.5%+1.4pp

Returns & leverage

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Return on equity13.7%+3.5pp
Debt / equity0.2×-0.2×

Segments

By product

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Other service charges and fees$5.0M+2.1%
Service charges on deposit accounts$2.4M+7.6%
Income from fiduciary activities$1.5M+6.9%
Mortgage banking income$296.0K+1.7%
Income from bank-owned life insurance-—

Versus estimates

Revenue

Q2 2026$77.5MBeat by $1.8MQ1 2026$72.9MMiss by $1.4M
Q4 2025$76.3MBeat by $854.7K
Q3 2025$73.5MMiss by $1.8MQ2 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 $0.04
Q4 2025$0.85Beat by $0.12
Q3 2025$0.73Beat by $0.01Q2 2025$0.67Beat by $0.03Q1 2025$0.65Beat by $0.02

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Questions, answered.

When did Central Pacific Financial report Q4 2025 earnings?
Central Pacific Financial (CPF) reported Q4 2025 earnings on January 28, 2026 before market open.
What were Central Pacific Financial's Q4 2025 revenue and EPS?
Central Pacific Financial reported revenue of $76.3M and eps of $0.85 for Q4 2025.
Did Central Pacific Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $75.4M by $854.7K. EPS beat the consensus estimate of $0.73 by $0.12.
How did Central Pacific Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 31.9% from $57.9M a year earlier and eps grew 21.4% from $0.70.
Where can I find Central Pacific Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000701347-26-000003) and the 10-K periodic report (0000701347-26-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.