---
schema_version: "secwatch.filing_event.v1"
accession: "0000701347-26-000003"
form_type: "8-K"
ticker: "CPF"
cik: "0000701347"
company_name: "CENTRAL PACIFIC FINANCIAL CORP"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:12:17.987656+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000701347-26-000003
- form_type: 8-K
- ticker: CPF
- cik: 0000701347
- company_name: CENTRAL PACIFIC FINANCIAL CORP
- filed_at: 2026-01-28T23:59:59+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/701347/000070134726000003/0000701347-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/701347/000070134726000003/cpf-20260128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000701347-26-000003
- JSON: https://secwatch.observer/filing/0000701347-26-000003.json
- Plain text: https://secwatch.observer/filing/0000701347-26-000003.txt

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