{"schema_version":"secwatch.filing_event.v1","accession":"0000701347-25-000013","form_type":"8-K","ticker":"CPF","cik":"0000701347","company_name":"CENTRAL PACIFIC FINANCIAL CORP","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.052451+00:00","generated_at":"2026-05-23T08:32:47.431720+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"CPF Q1 earnings rise to $17.8M ($0.65 EPS); NIM up 14 bps to 3.31%","bullets":["Net income $17.8M ($0.65 EPS), up from $11.3M ($0.42) prior Q and $12.9M ($0.48) year-ago.","Net interest margin 3.31% (+14 bps QoQ, +48 bps YoY); net interest income $57.7M (+3.5% QoQ).","Efficiency ratio improved to 61.16% from 75.65% (adjusted 64.65% excluding repositioning loss).","Provision for credit losses $4.2M (vs $0.8M prior Q); net charge-offs $2.6M or 0.20% annualized.","Declared $0.27 quarterly dividend; repurchased 77,316 shares at $27.09; strong capital ratios (CET1 12.4%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000701347-25-000013","json":"https://secwatch.observer/filing/0000701347-25-000013.json","markdown":"https://secwatch.observer/filing/0000701347-25-000013.md","text":"https://secwatch.observer/filing/0000701347-25-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/701347/000070134725000013/0000701347-25-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/701347/000070134725000013/cpf-20250423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:32:47.431720+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}