Central Pacific Financial (US:CPF) ZACKS·2026-01-28 15:31Core Insights - Central Pacific Financial (CPF) reported a revenue of $76.29 million for the quarter ended December 2025, marking a 30.6% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.85, up from $0.70 in the same quarter last year, exceeding the consensus estimate of $0.73 by 16.44% [1] Financial Performance Metrics - Efficiency Ratio stood at 59.9%, better than the average estimate of 60.4% from two analysts [4] - Net Interest Margin was reported at 3.6%, matching the average estimate [4] - Average Balance of Total Interest Earning Assets was $6.96 billion, slightly below the estimated $7.03 billion [4] - Total Nonaccrual Loans were reported at $14.39 million, aligning with the average estimate [4] - Total Nonperforming Assets were $14.39 million, better than the average estimate of $15.39 million [4] - Net Charge-offs to Average Loans were 0.2%, lower than the estimated 0.3% [4] - Net Interest Income was $62.09 million, slightly below the average estimate of $62.8 million [4] - Total Noninterest Income was $14.2 million, exceeding the average estimate of $12.58 million [4] Stock Performance - Shares of Central Pacific Financial have returned -0.2% over the past month, while the Zacks S&P 500 composite increased by 0.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]