CENTRAL PACIFIC FINANCIAL CORP (CPF) Form 8-K — Oct 28, 2026
Central Pacific Financial Corp. (NYSE: CPF) reported Q3 2026 net income of $22.8 million, or $0.88 per diluted share, up from $20.8 million ($0.80) in the prior quarter and $18.6 million ($0.69) a year ago. Net interest margin expanded 5 basis points to 3.62%, the efficiency ratio improved to 58.27%, and ROE reached 15.28%. Capital return accelerated: the company repurchased 294,110 shares for $11.2 million (average $38.18), leaving $22.0 million authorized, and the board raised the quarterly dividend 3.3% to $0.31 per share payable December 15, 2026.
Key figures
- Eps
- 0.88
- Revenue
- 76830000
- Net Income
- 22800000
- Total Debt
- 76547000
- Revenue Yoy
- +2.7% (total revenue $76.8M vs $74.8M in 3Q25)
- Total Assets
- 7450000000
- Shares Outstanding
- 25513202
- Roa
- 1.22%
- Roe
- 15.28%
- Cet1 ratio
- 12.7%
- Total loans
- $5.31B
- Acl to loans
- 1.13%
- Deposit cost
- 0.90%
- Total deposits
- $6.66B
- Efficiency ratio
- 58.27% (vs 59.62% prior quarter, 62.84% year-ago)
- Dividend per share
- $0.31 for 4Q26 (+3.3%)
- Shares repurchased
- 294,110 shares for $11.2M (avg $38.18/share)
- Net interest income
- $64.5M (+2.6% QoQ, +5.2% YoY)
- Net interest margin
- 3.62% (+5 bps QoQ, +13 bps YoY)
- Shareholders equity
- $581.4M
- Nonperforming assets
- $14.0M, 0.19% of total assets
- Dividend payout ratio
- 34.09%
- Provision for credit losses
- $1.9M (vs $4.4M prior quarter)
- Buyback authorization remaining
- $22.0M
AI analysis
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