{"schema_version":"secwatch.filing_event.v1","accession":"0000701347-25-000047","form_type":"8-K","ticker":"CPF","cik":"0000701347","company_name":"CENTRAL PACIFIC FINANCIAL CORP","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.934246+00:00","generated_at":"2026-05-17T01:46:50.047987+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Central Pacific Financial Q3 net income $18.6M ($0.69 EPS); adjusted EPS $0.73; dividend raised to $0.28","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000701347-25-000047","json":"https://secwatch.observer/filing/0000701347-25-000047.json","markdown":"https://secwatch.observer/filing/0000701347-25-000047.md","text":"https://secwatch.observer/filing/0000701347-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/0000701347-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:46:50.047987+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"}