Flash FinanceUS
Market closed S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026
AI brief of an SEC Form 8-K · Central Pacific Financial (CPF)

Central Pacific Financial Q3 net income $18.6 million, $0.69 per diluted share

Positive Impact 3 of 5 earnings Written later

Central Pacific Financial reported third-quarter 2025 net income of $18.6 million, or $0.69 per diluted share, up from $0.67 in the prior quarter and $0.49 a year earlier. Results included $1.5 million in pre-tax expenses tied to consolidating its operations center; excluding that item, adjusted EPS was $0.73 (non-GAAP). The board raised the quarterly dividend to $0.28 per share from $0.27, and the company plans to redeem $55.0 million of subordinated notes on November 1, 2025.

Key points

  • Net income $18.6 million, or $0.69 per diluted share, versus $18.3 million, or $0.67, in Q2 2025 and $13.3 million, or $0.49, in Q3 2024
  • Net interest margin 3.49%, up 5 basis points from the prior quarter; net interest income $61.3 million
  • Quarterly cash dividend raised to $0.28 per share from $0.27, payable December 15, 2025, to holders of record as of November 28, 2025
  • Redemption of $55.0 million in 4.75% subordinated notes at par on the November 1, 2025 call date

The filing

CompanyCentral Pacific Financial (CPF)
Form8-K, current report
Filed with the SECOct 29, 2025, 7:32 AM ET
Accession number0000701347-25-000047

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing 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 October 29, 2025.

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