Q4 2025 Central Pacific Financial Corp Earnings Call Transcript

Jan 28, 2026 / 06:00PM GMT

Release Date Price: $31.86 (+0.54%)

Transcript 8-K

Key Points

Positve

Central Pacific Financial Corp (CPF) was named one of America's best regional banks for 2026, highlighting its strong franchise and customer trust.
The company reported a 24% increase in core earnings per share from the prior year, demonstrating strong operating momentum.
CPF successfully grew core deposits by $78 million in the fourth quarter, with a decline in the average rate paid on total deposits.
The company expanded its international strategy through a strategic partnership with Korea Investment & Securities, enhancing its international reach.
CPF's net interest income rose by 1.3% in the fourth quarter, with a net interest margin expansion of 7 basis points to 3.56%.

Negative

Total loan portfolio declined by $78 million in the fourth quarter due to large construction and commercial mortgage loan payoffs.
The company experienced a $44 million decline in total loans for the full year 2025, driven by decreases in residential mortgage, home equity, and consumer portfolios.
Provision expense for the quarter was $2.4 million, reflecting a need to add to the allowance and reserve for unfunded commitments.
The company's guidance for 2026 indicates only low single-digit percentage growth in net loans and deposits.
There is a cautious outlook on loan growth due to delayed closings and a seasonally slower first quarter expected in 2026.

Operator

Good afternoon, ladies and gentlemen. Thank you for standing by, and welcome to the Central Pacific Financial Corp. Fourth Quarter 2025 Conference Call. (Operator Instructions) As a reminder, this call is being recorded and will be available for replay shortly after its completion on the company's website at www.cpb.bank.

I would like to turn the call over to Mr. Jayrald Rabago, Senior Strategic Financial Officer. Please go ahead.

Jayrald Rabago

Central Pacific Financial Corp - Senior Strategic Financial Officer

Thank you, John, and thank you all for joining us as we review the financial results of the fourth quarter of 2025 for Central Pacific Financial Corp. With me this morning are Arnold Martines, Chairman, President and Chief Executive Officer; David Morimoto, Vice Chairman and Chief Operating Officer; Ralph Mesick, Senior Executive Vice President and Chief Risk Officer; Dayna Matsumoto, Executive Vice President and Chief Financial Officer; and Anna Hu, Executive Vice President and

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