---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-22-000038"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2022-07-27T23:59:59+00:00"
generated_at: "2026-06-24T08:22:41.990658+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Central Pacific Financial Q2 net income $17.6M, EPS $0.64; loan growth 10% annualized

## Summary
- Net income $17.6M ($0.64 diluted EPS) vs $18.7M ($0.66) in Q2 2021; ROA 0.96%, ROE 14.93%.
- Total loans $5.30B, up $126.8M (10.0% annualized) QoQ; net interest margin expanded 8bp to 3.05%.
- Includes $8.5M gain on sale of Visa Class B stock, partially offset by $4.9M non-cash pension settlement charge.
- Nonperforming assets $5.0M (0.07% of assets); allowance for credit losses 1.23% of loans.
- Board declares $0.26 quarterly dividend (payable Sept 15, record Aug 31); repurchased 174,429 shares in Q2.

## SEC filing metadata
- accession: 0000701347-22-000038
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2022-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/701347/000070134722000038/0000701347-22-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134722000038/cpf-20220727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-22-000038
- JSON: https://secwatch.observer/filing/0000701347-22-000038.json
- Plain text: https://secwatch.observer/filing/0000701347-22-000038.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.