<span item_type="fundamental" item_id="5a911ee67e96741c507374113d9f7352" counter_id="ST/US/CPF" env="prod"></span><span item_type="announcement" item_id="576854363656357249" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 74.81 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.69, missing the estimate of USD 0.72.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -37.66 M.</p><p></p><h3>Net Interest Income</h3><ul><li>Net interest income grew by 2.5% quarter-over-quarter and 13.8% year-over-year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Net Interest Margin (NIM)</h3><ul><li>NIM expanded by 5 basis points quarter-over-quarter and 42 basis points year-over-year to 3.49%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Efficiency Ratio</h3><ul><li>The efficiency ratio was 62.84% for the third quarter of 2025, compared to 60.36% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Return on Assets (ROA)</h3><ul><li>ROA was 1.01% for the third quarter of 2025, compared to 1.00% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Return on Equity (ROE)</h3><ul><li>ROE was 12.89% for the third quarter of 2025, compared to 13.04% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Tangible Common Equity (TCE)</h3><ul><li>TCE was 7.92% for the third quarter of 2025, compared to 7.72% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Noninterest Income and Expense</h3><ul><li>Noninterest income increased to $13.5 million in the third quarter of 2025 from $13.0 million in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Noninterest expense increased to $45.5 million in the third quarter of 2025 from $43.9 million in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Capital Optimization</h3><ul><li>Repurchased 78,255 shares of CPF common stock for $2.3 million in the third quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Increased quarterly cash dividend to $0.28 per share.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Provided notice to redeem $55 million in subordinated debt at par in the fourth quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Loan Portfolio</h3><ul><li>Improved loan portfolio mix with a $119 million year-to-date reduction in low yielding, long duration residential mortgage and home equity loans, offset by growth in commercial mortgage and construction loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Total loan portfolio cashflows of approximately $200 million per quarter, running off at an average portfolio yield of 5.0%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>New loan yield weighted average rate of 6.9% in the third quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Deposit Portfolio</h3><ul><li>Deposit costs managed down successfully over the last 5 quarters.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Deposit cost remained steady at 1.02% from the prior quarter and down 30 basis points year-over-year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>Delinquencies 90+ days/total loans remained low at 0.03% in the third quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Criticized loans/total loans were 1.77% in the third quarter of 2025, down from 1.80% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li><li>Non-performing assets (NPAs)/total loans were 0.27% in the third quarter of 2025, down from 0.28% in the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>Central Pacific Financial Corp. plans to redeem $55.0 million in subordinated notes at par during the fourth quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/exhibit99-1erxq32025.htm"></span></li><li>The CPF Board of Directors approved an increase in the quarterly cash dividend to $0.28 per share.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/exhibit99-1erxq32025.htm"></span></li><li>The company entered into a strategic partnership with The Kyoto Shinkin Bank to expand its presence in Japan.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/exhibit99-1erxq32025.htm"></span></li><li>Central Pacific Financial Corp. expects to continue optimizing its balance sheet and managing deposit costs effectively. The company aims to maintain its strong capital position and enhance shareholder value through strategic capital allocation and risk management.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/701347/000070134725000047/cpf_irdeck3q25final.htm"></span></li></ul>

Central Pacific Financial | 8-K: FY2025 Q3 Revenue: USD 74.81 M