Central Pacific Financial Q3 net income $18.6M ($0.69 EPS); adjusted EPS $0.73; dividend raised to $0.28

CENTRAL PACIFIC FINANCIAL CORP

2025-Q3 EPS reported $2.01 revenue$37,616,000

Net income $18.6M, diluted EPS $0.69; adjusted net income $19.7M, adjusted EPS $0.73 (excl. $1.5M ops-center consolidation costs).
Net interest margin 3.49% (+5 bps QoQ, +42 bps YoY); total loans $5.37B (+$77.4M QoQ), deposits $6.58B (+$32.7M QoQ).
Provision for credit losses $4.2M (down from $5.0M prior); net charge-offs annualized 0.20% vs 0.35% prior quarter.
Announced redemption of $55M subordinated notes at par in Q4; quarterly dividend increased 3.7% to $0.28/share payable Dec. 15.
Capital ratios strong: leverage 9.7%, CET1 12.6%; repurchased 78,255 shares for $2.3M during quarter.

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