---
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"
generated_at: "2026-05-23T08:32:47.431720+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CPF Q1 earnings rise to $17.8M ($0.65 EPS); NIM up 14 bps to 3.31%

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-25-000013
- JSON: https://secwatch.observer/filing/0000701347-25-000013.json
- Plain text: https://secwatch.observer/filing/0000701347-25-000013.txt

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