---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-24-000037"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:41:04.516008+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Central Pacific Financial Q3 net income $13.3M ($0.49 EPS); adjusted EPS $0.58 excludes $3.1M strategic expense

## Summary
- GAAP EPS $0.49 vs $0.58 prior quarter; adjusted non-GAAP EPS $0.58.
- Net interest margin 3.07%, up 10 bps sequentially; net interest income $53.9M (+3.7% QoQ).
- Total loans $5.34B (-$41M QoQ); core deposits $5.97B (+$53.9M QoQ).
- Provision for credit losses $2.8M; nonperforming assets $11.6M (0.16% of assets).
- Board declared $0.26/share dividend payable Dec 16; CET1 ratio 12.1%, total risk-based 15.3%.

## SEC filing metadata
- accession: 0000701347-24-000037
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/701347/000070134724000037/0000701347-24-000037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134724000037/cpf-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-24-000037
- JSON: https://secwatch.observer/filing/0000701347-24-000037.json
- Plain text: https://secwatch.observer/filing/0000701347-24-000037.txt

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