Central Pacific Q4 net income $22.9M ($0.85 EPS); NIM 3.56%; dividend raised 3.6% to $0.29

CENTRAL PACIFIC FINANCIAL CORP

2025-FY EPS reported $2.86 revenue$51,817,000

Net income $22.9M ($0.85 EPS) vs $11.3M ($0.42) a year ago; full year $77.5M ($2.86 EPS) vs $53.4M ($1.97).
NIM expanded to 3.56% (+7 bps QoQ, +39 bps YoY); efficiency ratio improved to 59.88% from 75.65% a year ago.
Board increased quarterly dividend 3.6% to $0.29/share (payable March 16, record Feb 27); authorized $55M share repurchase program.
Repurchased 529,613 shares for $16.3M in Q4; total shareholder returns of $52.7M in 2025.
Redeemed $55M subordinated notes due 2030; total assets $7.41B, NPAs 0.19% of assets.

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