secwatch.observer — SEC 8-K summary
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Issuer:     CENTRAL PACIFIC FINANCIAL CORP (CPF)
CIK:        0000701347
Form:       8-K
Filed at:   2025-10-29T23:59:59+00:00
Accession:  0000701347-25-000047
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/0000701347-25-000047-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf-20251029.htm
  HTML page:      https://secwatch.observer/filing/0000701347-25-000047

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer