Central Pacific Financial Corp. (CPF)

In the past six months, Central Pacific Financial Corp. reported first-quarter 2026 earnings with a net income of $20.7 million, or $0.78 per diluted share. The net interest income for Q1 2026 was $61.4 million, and the net interest margin was 3.53%. Total loans reached $5.32 billion and total deposits were $6.70 billion as of March 31, 2026. The board approved a quarterly cash dividend of $0.29 per share, payable on June 15, 2026, and the company repurchased 321,396 shares for $10.5 million during the first quarter of 2026. The stock's 52-week range has seen a low of $25.62 and a high of $35.41. Recent news includes conference calls to discuss fourth-quarter 2025 and first-quarter 2026 financial results.

While specific demand seasonality details are not explicitly stated, regional banks can experience cyclical patterns in their stock performance throughout the year. September and October are often considered opportune times for marketing banking products, while December is generally the least effective. Central Pacific Bank has leveraged these seasonal trends, for instance, offering cash bonuses for opening or upgrading business accounts during September and October.

Central Pacific Financial Corp. operates in the Financials sector, specifically in the Regional Banks industry, offering commercial banking, deposit products, and lending activities. They also provide wealth management products and services, digital banking, cash management, and trust services. Founded in 1954, the bank aimed to serve all of Hawaii's people, especially underserved communities.

Central Pacific Financial Corp. is headquartered in Honolulu, Hawaii, with operations concentrated within the state. Central Pacific Bank operates 27 branches and 55 ATMs across Hawaii as of March 31, 2026.

Central Pacific Financial Corp. maintains a solid brand reputation, rooted in its founding mission of inclusivity and serving underserved communities in Hawaii. The bank is recognized for its strong support of small businesses and technological advancements. Fitch Ratings affirmed Central Pacific Financial Corp. at 'BBB-' with a Stable Outlook in July 2024. Central Pacific Bank has also been recognized by Forbes as the best "in-state" bank in Hawaii multiple times, including in 2025.

Central Pacific Financial Corp.'s ownership is predominantly institutional, with institutional investors holding 95.91% of the company's shares as of July 11, 2025. Major institutional owners include BlackRock, Inc., HoldCo Asset Management, L.P., and Vanguard Group Inc. Insider ownership accounts for 3.03% of the shares, with notable individuals such as John C. Dean and Arnold Martines holding significant stakes. Directors also hold stock directly, indirectly through family trusts, 401(k) plans, and the Central Pacific Bank Foundation.