CPF Earnings Prediction
The chart below shows how CPF performed 10 days before and after its earnings report, based on data from the past quarters. Typically, CPF sees a -1.92% change in stock price 10 days leading up to the earnings, and a +2.26% change 10 days following the report. On the earnings day itself, the stock moves by +0.33%. This data can give you a slight idea of what to expect for the next quarter's release.
CPF Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
55.12M
-6.30%
-13.06%
Gross Margin
--
--
--
Operating Margin
26.81%
-17.61%
-0.48%
Net Margin
20.58%
-18.56%
-1.95%
EPS
0.42
-23.64%
-14.29%
No Data Available
CPF Earnings Analysis
Central Pacific Financial Corp Corporation (CPF.N) Earnings Conference Call
Positive
Q4 2024 Net Income Analysis: Net income for Q4 2024 was $1,130,000, or $0.42 per diluted share, with adjusted net income of $19,000,000 or $0.70 per diluted share, reflecting strong financial performance despite an investment securities loss.
Deposit Portfolio Growth: Total deposit portfolio grew by $61,000,000, including core deposit growth of $74,200,000, indicating robust customer retention and acquisition efforts.
Net Interest Income Increase: Net interest income for Q4 2024 increased by $1,900,000 from the prior quarter, reaching $5,580,000, driven by a favorable shift in the deposit mix and reduced funding costs.
Net Interest Margin Expansion: The net interest margin expanded to 3.17%, up 10 basis points sequentially, showcasing effective pricing and spread management strategies.
Dividend Increase and Share Buyback: A quarterly cash dividend of $0.27 per share was declared, representing a 3.8% increase from the prior quarter, alongside a new share repurchase authorization of up to $30,000,000 for 2025, reflecting confidence in future earnings and capital strength.
Negative
Q4 2024 Net Income Analysis: Net income for Q4 2024 was $1,130,000, or $0.42 per diluted share, significantly impacted by a pretax loss of $990,000 from an investment portfolio repositioning.
Decline in Net Income: For the full year 2024, net income was $5,340,000, or $1.97 per diluted share, which is a decline compared to previous years, indicating a challenging financial environment.
Loan Portfolio Decline: The loan portfolio experienced a sequential decline of $9,800,000, or 0.2%, suggesting ongoing challenges in loan demand despite a healthy pipeline for future growth.
Operating Income Challenges: Other operating income for the quarter was only $260,000, significantly affected by the investment repositioning loss, highlighting struggles in generating additional revenue streams.
Intangible Asset Impairment: An impairment charge of $140,000 on intangible assets related to the Svelte fintech app indicates potential setbacks in product development and innovation efforts.
CPF FAQs
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CPF Earning Call Sentiment
Earnings call transcript: Central Pacific Financial beats Q4 2024 EPS forecast
CPF.N
0.04%Positive
The earnings call indicates strong financial performance with increased net interest income and margin, a growing deposit portfolio, and a healthy loan pipeline. Despite some challenges, such as credit risk and regulatory changes, the company’s strategic moves, including dividend increases and share repurchase authorizations, reflect confidence in future growth. The Q&A session supports this positive outlook, with management expressing optimism about loan growth and operating leverage. The overall sentiment is positive, suggesting a likely stock price increase in the short term.
