CPF · Central Pacific Financial Corp
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 24, 2026TL;DR. Central Pacific Financial reported Q2 net income of $20.8 million ($0.80 diluted EPS, up 19% YoY), a 4 bps NIM expansion to 3.57%, and maintained full-year NII guidance of 4-6% growth while raising the quarterly dividend 3.4% to $0.30 and repurchasing $11.3 million of stock.
- + Net income rose 19% YoY to $20.8 million with diluted EPS of $0.80 and ROE of 13.94%
- + Net interest margin expanded 4 bps sequentially to 3.57% on higher loan and securities yields with stable funding costs
- + Board raised the quarterly dividend 3.4% to $0.30 per share and repurchased $11.3 million of stock with $33.2 million remaining
- + Capital position remains robust with 12.7% CET1 and 14.8% total risk-based capital ratios
- + Full-year NII guidance of 4-6% growth reiterated with NIM expected relatively steady to slightly higher in 2H
- − Total loans were flat at $5.3 billion in Q2 as several loan closings slipped to Q3 and CRE payoffs pressured balances
- − Provision for credit losses rose to $4.4 million from $2.4 million in Q1 on more conservative economic assumptions
- − Other operating expense rose $2.5 million sequentially to $46.2 million on higher deferred compensation from market gains
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Efficiency ratio (non-GAAP) non-GAAP | 59.62% | the three months ended June 30, 2026 filing | — |
| Net interest margin (taxable-equivalent) non-GAAP | 3.57% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CPF
this stock
Central Pacific Financial Corp
|
$923.69M | +16.9% | +33.8% | 11.5 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CPF | -1.2% | -3.7% | +7.5% | +1.5% | +16.9% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -1.0% | -3.2% | -4.7% | +0.6% | +4.0% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.