Central Pacific Financial Reports Q4 Revenue of $76.29M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
0mins
Reports Q4 revenue $76.29M, consensus $75.43M. Reports Q4 book value per share $22.47. Reports Q4 CET1 capital ratio 12.7%. Reports Q4 net charge-offs .18%. "Central Pacific Financial achieved strong fourth-quarter and 2025 year-end results thanks to strong balance sheet management and meaningful progress on our strategic and business priorities," said Arnold Martines, chairman, president and CEO. "In the fourth-quarter, our profitability strengthened further, underscoring the success of our disciplined approach. Looking ahead, we remain focused on supporting our customers and the communities we serve, while continuing to create long-term value for our shareholders."
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Analyst Views on CPF
Wall Street analysts forecast CPF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CPF is 35.50 USD with a low forecast of 34.00 USD and a high forecast of 37.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 31.860
Low
34.00
Averages
35.50
High
37.00
Current: 31.860
Low
34.00
Averages
35.50
High
37.00
About CPF
Central Pacific Financial Corp. is the bank holding company of Central Pacific Bank (the Bank). The Bank is engaged in offering traditional deposit and lending products and services to consumer and business customers, such as accepting demand, money market, savings and time deposits, originating loans, including commercial loans, construction loans, commercial real estate loans, residential mortgage loans, and consumer loans and fiduciary and investment management services. Its investment securities portfolio includes mortgage-backed securities (MBS), other debt securities and equity securities. Its MBS portfolio comprises residential MBS issued by United States government entities and agencies. It offers wealth management products and services, such as non-deposit investment products, annuities, investment management, asset custody and general consultation and planning services. It has approximately 27 bank branches and 55 ATMs located throughout the State of Hawaii.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Central Pacific Financial Corp. Reports Strong Q4 and Full Year 2025 Results
- Net Income Growth: Central Pacific Financial Corp. reported a net income of $22.9 million for Q4 2025, translating to $0.85 per diluted share, a significant increase from $18.6 million and $0.69 in the previous quarter, indicating sustained improvement in profitability.
- Return on Assets Improvement: The return on average assets (ROA) rose to 1.25% in Q4, up from 1.01% in the prior quarter, reflecting effective asset management and profitability strategies.
- Shareholder Return Initiatives: The Board of Directors authorized a new $55 million share repurchase program for 2026 and increased the quarterly cash dividend by 3.6% to $0.29 per share, demonstrating a commitment to shareholder returns and confidence in future growth.
- Efficiency Ratio Enhancement: The efficiency ratio improved to 59.88% in Q4 2025, down from 62.84% in the previous quarter, indicating positive progress in cost control and operational efficiency enhancements.
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Central Pacific Financial Announces Dividend Increase
- Quarterly Dividend Increase: Central Pacific Financial declares a quarterly dividend of $0.29 per share, reflecting a 3.6% increase from the previous $0.28, indicating sustained profitability and enhancing investor confidence.
- Forward Yield: The forward yield of 3.66% not only provides shareholders with a stable cash return but also has the potential to attract more income-seeking investors, thereby strengthening market competitiveness.
- Earnings Beat Expectations: The company reports a non-GAAP EPS of $0.85, beating expectations by $0.12, with revenue of $76.29 million exceeding forecasts by $0.86 million, showcasing strong market performance and promising growth potential.
- Shareholder Return Plan: The dividend will be payable on March 16, with a record date of February 27 and an ex-dividend date also on February 27, ensuring timely returns for shareholders and further solidifying the relationship between the company and its investors.
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