---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-25-000005"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2025-01-29T23:59:59+00:00"
generated_at: "2026-05-27T07:33:02.078563+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CPF reports Q4 GAAP EPS $0.42, adj. $0.70; dividend +3.8% to $0.27; $30M buyback

## Summary
- Q4 GAAP net income $11.3M ($0.42/diluted); full year $53.4M ($1.97). Adjusted net income $19.0M ($0.70) and $63.4M ($2.34).
- Completed investment portfolio repositioning; $9.9M pre-tax loss, expected to boost annual NII by $2.7M from 2025.
- Net interest margin expanded 10 bps to 3.17%; net interest income $55.8M (+3.6% linked quarter).
- Board declared $0.27 quarterly dividend (+3.8% vs $0.26) payable Mar 17, 2025; authorized $30M share repurchase program.
- Central Pacific Bank became a Federal Reserve System member effective Jan 24, 2025; single federal supervisor for company and bank.

## SEC filing metadata
- accession: 0000701347-25-000005
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2025-01-29T23:59:59+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/701347/000070134725000005/0000701347-25-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134725000005/cpf-20250129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-25-000005
- JSON: https://secwatch.observer/filing/0000701347-25-000005.json
- Plain text: https://secwatch.observer/filing/0000701347-25-000005.txt

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