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AI brief of an SEC Form 8-K · Central Pacific Financial (CPF)

Central Pacific Financial reports Q2 2025 net income of $18.3 million, up from Q1

Positive Impact 3 of 5 earnings Written later

Central Pacific Financial Corp. reported second-quarter 2025 net income of $18.3 million, or $0.67 per diluted share, up from $17.8 million, or $0.65, in the first quarter and $15.8 million, or $0.58, a year earlier. The board also declared a $0.27 quarterly dividend and adopted amended bylaws effective July 24, 2025, which change shareholder meeting and nomination procedures.

Key points

  • Net income $18.3 million, or $0.67 diluted EPS, versus $17.8 million, or $0.65, in Q1 2025 and $15.8 million, or $0.58, in Q2 2024
  • Net interest margin rose 13 basis points to 3.44% from 3.31% in the prior quarter; efficiency ratio improved to 60.36% from 61.16%
  • Provision for credit losses was $5.0 million; net charge-offs were $4.7 million, including a $2.0 million full charge-off of a commercial and industrial loan
  • Quarterly dividend of $0.27 per share payable September 15, 2025 to holders of record on August 29, 2025

The filing

CompanyCentral Pacific Financial (CPF)
Form8-K, current report
Filed with the SECJul 25, 2025, 6:50 AM ET
Accession number0000701347-25-000024

Items reported: 2.02 Results of Operations5.03 Bylaw / Charter Amendment7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 6:59 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 25, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.