---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-23-000002"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2023-01-25T23:59:59+00:00"
generated_at: "2026-06-20T09:57:02.538999+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Central Pacific Financial Q4 net income $20.2M ($0.74 EPS); loans up 2.5%, new $25M buyback

## Summary
- Net income $20.2M ($0.74 diluted EPS) for Q4 2022, up from $16.7M in Q3; full-year $73.9M ($2.68 EPS).
- Total loans $5.56B, up $133.3M (2.5%) in Q4; deposits $6.74B, up $179.8M (2.7%) sequentially.
- Net interest margin 3.17% unchanged QoQ; net interest income $56.3M up 1.7%.
- Provision for credit losses $0.6M vs release of $7.7M year ago; NPA ratio 0.07%.
- Board declared $0.26/sh quarterly dividend and authorized new $25M share repurchase program.

## SEC filing metadata
- accession: 0000701347-23-000002
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2023-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/701347/000070134723000002/0000701347-23-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134723000002/cpf-20230125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-23-000002
- JSON: https://secwatch.observer/filing/0000701347-23-000002.json
- Plain text: https://secwatch.observer/filing/0000701347-23-000002.txt

## Key facts
- Earnings Releases
  CENTRAL PACIFIC FINANCIAL CORP reported the fourth quarter of 2022 results: net income $20.2 million, EPS $0.74 per diluted share.
  - Period: the fourth quarter of 2022
  - Net income: $20.2 million
  - EPS: $0.74 per diluted share
  - Result: reported results
  source text: Net income of $20.2 million, or $0.74 per diluted share for the fourth quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/701347/000070134723000002/0000701347-23-000002-index.htm
- Earnings Releases
  CENTRAL PACIFIC FINANCIAL CORP reported the 2022 year results: net income $73.9 million, EPS $2.68 per diluted share.
  - Period: the 2022 year
  - Net income: $73.9 million
  - EPS: $2.68 per diluted share
  - Result: reported results
  source text: Net income of $73.9 million, or $2.68 per diluted share for the 2022 year.
  evidence_url: https://www.sec.gov/Archives/edgar/data/701347/000070134723000002/0000701347-23-000002-index.htm

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