---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-25-000024"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T01:42:32.125142+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Central Pacific Financial Q2 net income $18.3M, EPS $0.67; NIM expands to 3.44%

## Summary
- Net income $18.3M ($0.67 EPS) vs $15.8M ($0.58) year ago; ROAA 1.00%, ROAE 13.04%.
- Net interest margin 3.44%, +47bps YoY; net interest income $59.8M (+15.2% YoY).
- Efficiency ratio improved to 60.36% from 64.26% a year ago.
- Quarterly cash dividend $0.27 per share, payable Sept 15 to holders of record Aug 29.
- Repurchased 103,077 shares at $25.00; $25.3M remaining in buyback program.

## SEC filing metadata
- accession: 0000701347-25-000024
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 5.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/701347/000070134725000024/0000701347-25-000024-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134725000024/cpf-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-25-000024
- JSON: https://secwatch.observer/filing/0000701347-25-000024.json
- Plain text: https://secwatch.observer/filing/0000701347-25-000024.txt

## Key facts
- Governance Changes
  CENTRAL PACIFIC FINANCIAL CORP: Amended and restated bylaws enhancing shareholder nomination procedures, meeting conduct, voting standards, and making non-substantive changes (effective 2025-07-24).
  - Change: bylaw amendment
  - Effective: 2025-07-24
  source text: On July 24, 2025, the Company’s board of directors (the "Board") approved and adopted the Company’s amended and restated bylaws (the "Amended and Restated Bylaws"), which became immediately effective.
  evidence_url: https://www.sec.gov/Archives/edgar/data/701347/000070134725000024/0000701347-25-000024-index.htm

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