secwatch.observer — SEC 8-K summary
======================================

Issuer:     CENTRAL PACIFIC FINANCIAL CORP (CPF)
CIK:        0000701347
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0000701347-26-000003
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 Q4 net income $22.9M ($0.85 EPS); NIM 3.56%; dividend raised 3.6% to $0.29
--------------------------------------------------------------------------------

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/701347/000070134726000003/0000701347-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/701347/000070134726000003/cpf-20260128.htm
  HTML page:      https://secwatch.observer/filing/0000701347-26-000003

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