---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-23-000039"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2023-10-25T23:59:59+00:00"
generated_at: "2026-06-09T12:05:02.298948+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Central Pacific Financial Q3 net income $13.1M ($0.49 EPS); NIM 2.88%, down 29 bps YoY

## Summary
- Net income of $13.1M ($0.49 diluted EPS) vs $14.5M ($0.53) in Q2 and $16.7M ($0.61) in Q3 2022.
- Net interest margin 2.88%, down 8 bps QoQ and 29 bps YoY; net interest income $51.9M (-1.5% QoQ).
- Total deposits grew $69M to $6.87B; core deposits up $8.6M; deposit cost 1.08% vs 0.84% prior quarter.
- Nonperforming assets to total assets improved to 0.09% from 0.15% QoQ; net charge-offs $3.9M (0.28% annualized).
- Board declared $0.26 per share quarterly dividend, payable Dec 15, 2023 to holders of record Nov 30, 2023.

## SEC filing metadata
- accession: 0000701347-23-000039
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2023-10-25T23:59:59+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/701347/000070134723000039/0000701347-23-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134723000039/cpf-20231025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-23-000039
- JSON: https://secwatch.observer/filing/0000701347-23-000039.json
- Plain text: https://secwatch.observer/filing/0000701347-23-000039.txt

## Key facts
- Earnings Releases
  CENTRAL PACIFIC FINANCIAL CORP reported third quarter of 2023 results: net income $13.1 million, EPS $0.49 per diluted share.
  - Period: third quarter of 2023
  - Net income: $13.1 million
  - EPS: $0.49 per diluted share
  - Result: reported results
  source text: Central Pacific Financial Corp. (the "Company") issued a press release regarding its results of operations and financial condition for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/701347/000070134723000039/0000701347-23-000039-index.htm

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