Central Pacific Financial Q3 profit misses estimates

Reuters
Oct 29, 2025
Central Pacific Financial Q3 profit misses estimates

Overview

  • Central Pacific Q3 net income rises to $18.6 mln, adjusted EPS misses analyst expectations

  • Company expands Japan presence through partnership with Kyoto Shinkin Bank

  • Central Pacific to redeem $55 mln subordinated notes in Q4

Outlook

  • Central Pacific to redeem $55 mln in subordinated notes in Q4

  • Company increases quarterly cash dividend to $0.28 per share

  • Partnership with Kyoto Shinkin Bank to expand Hawaii-Japan business ties

Result Drivers

  • NET INTEREST MARGIN - Increase to 3.49% driven by disciplined balance sheet management and improved asset yields

  • LOAN AND DEPOSIT GROWTH - Loans increased by $77.4 mln and deposits by $32.7 mln from the prior quarter

  • INTERNATIONAL EXPANSION - Partnership with Kyoto Shinkin Bank to expand presence in Japan

Key Details

Metric

Beat/Miss

Actual

Consensus Estimate

Q3 Adjusted EPS

Miss

$0.73

$0.74 (3 Analysts)

Q3 EPS

$0.69

Q3 Net Income

$18.57 mln

Q3 Net Interest Income

$61.30 mln

Q3 Provision For Credit losses

$4.15 mln

Q3 ROE

12.89%

Analyst Coverage

  • The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 1 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

  • The average consensus recommendation for the banks peer group is "buy."

  • Wall Street's median 12-month price target for Central Pacific Financial Corp is $34.50, about 12.3% above its October 28 closing price of $30.27

  • The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nBw5xNTcSa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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