---
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"
generated_at: "2026-05-17T01:46:50.047987+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-25-000047
- JSON: https://secwatch.observer/filing/0000701347-25-000047.json
- Plain text: https://secwatch.observer/filing/0000701347-25-000047.txt

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