Central Pacific Financial Corp. (CPF)

CPF reported strong Q4 and full-year 2025 results, with net income for Q4 2025 at $22.9 million, or $0.85 per diluted share, and the net interest margin increased to 3.56%. The Board authorized a new $55 million share repurchase program for 2026 and increased the quarterly cash dividend by 3.6% to $0.29 per share. The company redeemed its $55.0 million of subordinated notes due 2030. CPF reported net income of $18.6 million, or $0.69 per diluted share for Q3 2025. Between March 27, 2025, and March 25, 2026, the share price increased by 16.08%.

While specific demand seasonality is not detailed, the company's performance is influenced by Hawaii's economic conditions. A strong labor market, construction activity, and military presence contribute to its strength. Visitor arrivals were up 2.8% year-to-date through May 2025 compared to the prior year. These factors suggest a generally stable demand environment for banking services.

Central Pacific Financial Corp. (CPF) is a Hawaii-based bank holding company operating through Central Pacific Bank, providing commercial banking products and services to businesses, professionals, and individuals in Hawaii. Its offerings include deposit accounts, cash management, digital banking, trust, retail brokerage services, and various loan types such as commercial, real estate, and consumer loans. Additional services encompass debit cards, ATMs, international banking, and wealth management products. The company operates primarily through its Banking Operations segment.

Central Pacific Financial Corp.'s geographic footprint is concentrated within Hawaii, with Central Pacific Bank operating 27 branches and 55 ATMs across the state as of December 31, 2024, and August 1, 2023.

Central Pacific Bank was founded in 1954 by Japanese American veterans with a mission to serve all of Hawaii's people, emphasizing inclusivity and social equity. The company is recognized as a market leader in residential mortgage and SBA loan originations in Hawaii. No specific events have negatively affected Central Pacific Financial Corp.'s brand reputation in the past year.

Central Pacific Financial Corp.'s ownership is predominantly institutional, with 223 institutional owners holding 93.97% of the company's shares as of April 2, 2026. Major institutional owners include BlackRock, Inc., HoldCo Asset Management, L.P., and Vanguard Group Inc. Insider ownership accounts for 3.03% of the shares as of July 11, 2025, with key individual owners including John C. Dean, Arnold Martines and Paul K. Yonamine.