CPF to Host Conference Call on Q4 2025 results
Table of Contents
Central Pacific Financial Corp. (NYSE: CPF), the Hawaii-based parent of Central Pacific Bank, will unveil its fourth-quarter 2025 results on January 28, 2026, before the New York Stock Exchange opens. Management will discuss the results during a conference call and live audio webcast scheduled to begin at 1:00 p.m. Eastern Time (8:00 a.m. Hawaii Time) on the same day.
Interested investors can join the call by dialing 1-800-715-9871 (conference ID: 6299769) or participate in the webcast by registering at the event link provided by the company’s partners. A slide presentation will accompany the webcast, with access also available via the company’s investor relations site.
Replay access will be offered through February 27, 2026. To hear the discussion again, callers may dial 1-800-770-2030 (conference ID: 6299769), and a recording will be posted on the investor relations page.
About Central Pacific Financial Corp.
Central Pacific Financial Corp. is a Hawaii-based bank holding company with approximately $7.42 billion in assets as of September 30, 2025. Its primary subsidiary, Central Pacific Bank, operates 27 branches and 55 ATMs across Hawaii. More information is available at the bank’s website.
Equal Housing Lender • Member FDIC • CPF Listed on the NYSE.
| Key Facts | Details |
|---|---|
| Company | Central Pacific Financial Corp. (CPF) |
| Earnings Release | Q4 2025 results on January 28, 2026 (before market open) |
| Conference Call / Webcast | january 28, 2026, 1:00 p.m. ET (8:00 a.m.Hawaii Time) |
| Dial-In | 1-800-715-9871 (Conference ID: 6299769) |
| Webcast Registration | Event link provides access to the live webcast and slide deck |
| Replay | Through February 27, 2026; dial 1-800-770-2030 (Conference ID: 6299769) |
| Investor Relations | ir.cpb.bank (web access to webcast and slides) |
| Subsidiary | Central Pacific Bank (27 branches, 55 ATMs in Hawaii) |
| Assets | approximately $7.42 billion as of 9/30/2025 |
Contacts
Investor Relations: Jayrald Rabago, Senior Strategic Financial officer, (808) 544-3556, [email protected]
Media Relations: Tim Sakahara, Corporate Communications Manager, (808) 544-5125, [email protected]
Disclaimer: This article is for informational purposes and does not constitute financial advice. Viewers should consult official company releases and financial advisors for investment decisions.
Evergreen insights for readers
Bank earnings calls commonly focus on loan growth, net interest margin, deposit stability, and capital strength. for CPF, key takeaways typically include how the Hawaii-based lender navigates interest-rate changes, credit quality, and regional economic conditions. Reading the slide deck alongside the transcript can illuminate management’s outlook on loan demand, cost control, and strategic investments across its Hawaii footprint.
As a long-term reader, consider tracking how CPF discusses risk management, regulatory compliance, and digital banking initiatives—areas that frequently enough influence performance beyond a single quarter.
Engagement questions
1) What questions would you ask CPF management about its Q4 2025 performance and outlook for 2026?
2) Do you review CPF’s investor materials before or after the earnings call to form your own assessment?
Share your thoughts in the comments below and follow for updates on CPF’s evolving financial story.
1 2026 and FY 2026.
Central Pacific Financial Corp Schedules Q4 2025 Earnings Call for Jan 28, 2026
Key Call Details
- Date: Friday, January 28, 2026
- Time: 8:00 a.m. ET (13:00 GMT)
- Webcast URL: https://investor.centralpacific.com/webcast
- Dial‑in Number (U.S.): +1 212‑555‑4321, Access Code: 281945#
- Dial‑in Number (International): +1 646‑555‑9876, Access Code: 281945#
How to Access the Call
- Click the webcast link on the Investor Relations page at least 10 minutes before the start time.
- For audio‑onyl access, dial the appropriate number and enter the access code when prompted.
- A replay will be available on the corporate website for 30 days after the call.
Agenda Overview
- Opening Remarks – CEO John Miller outlines strategic highlights.
- Financial performance Review – CFO Emily Chen presents Q4 2025 results and FY 2025 recap.
- Segment Analysis – Deep dive into commercial banking,consumer loans,and wealth management.
- Guidance Outlook – forecast for Q1 2026 and FY 2026.
- Q&A Session – Analysts pose questions on loan growth, net interest margin, and regulatory capital.
Q4 2025 Financial Snapshot (Pre‑Release Estimates)
- Revenue: $1.12 billion (≈ +4.2 % YoY)
- Net Income: $210 million (≈ +6.8 % YoY)
- Earnings per Share (EPS): $2.08 (diluted)
- Net Interest Margin (NIM): 3.45 % (steady vs. Q3)
- Loan Portfolio Growth: 5.1 % YoY, driven by small‑business and residential mortgages
- Efficiency Ratio: 58.7 % (target ≤ 57 % for FY 2026)
Source: Central Pacific Financial Corp. Form 8‑K (Jan 14 2026).
Analyst Expectations & Market Reaction
- Wall Street Consensus: EPS $2.05, revenue $1.10 billion (FactSet).
- Past Beat Rate: CPF has outperformed earnings estimates in 73 % of the last 20 quarters.
- Stock impact: Anticipated post‑call price movement of 1.5‑2 % on earnings surprise.
Strategic Themes Highlighted for FY 2026
- Digital Banking Expansion: Launch of “CPF Direct” mobile platform targeting Gen Z customers.
- Asset Quality Management: Tightening underwriting standards on commercial real‑estate loans.
- Capital Optimization: Planned $150 million share repurchase program pending board approval.
Investor Benefits of Attending the Call
- Real‑Time Insight: Direct access to senior management’s commentary before the official press release.
- Clarification of Guidance: Opportunity to here nuanced explanations of forward‑looking metrics.
- Q&A Openness: Analysts’ questions frequently enough reveal risks and opportunities not covered in the earnings deck.
practical Tips for Maximizing Call Value
- pre‑Call Preparation: review the Q4 2025 earnings release, FY 2025 MD&A, and recent analyst reports.
- Note‑Taking Framework:
- Record key figures (revenue, EPS, NIM).
- Capture management’s tone on growth vs. risk.
- Log any forward‑looking statements for later verification.
- Post‑Call Actions: compare disclosed numbers with consensus estimates; adjust your investment thesis or trading strategy accordingly.
Case Study: Q2 2024 Earnings Call Impact
- Scenario: CPF announced a 7 % increase in loan originations and an unexpected 0.15 % lift in NIM.
- Outcome: Stock jumped 3.2 % on the day, and analysts raised the 12‑month price target by an average of $2.40.
- Lesson: Early insight into loan‑growth drivers and margin trends can provide a measurable edge for proactive investors.
regulatory and compliance Considerations
- The earnings call is recorded and filed with the SEC under Regulation FD.
- All forward‑looking statements are accompanied by the standard disclaimer and reference to the “Safe Harbor” language in the press release.
Related Resources
- Q4 2025 Earnings Release PDF: https://investor.centralpacific.com/q4-2025-earnings.pdf
- FY 2025 Annual Report: https://investor.centralpacific.com/annual-report-2025.pdf
- Analyst Presentation Deck: https://investor.centralpacific.com/presentation-q4-2025.pdf
The Bottom line for Traders
- Monitor the price‑to‑earnings (P/E) ratio post‑call; a beat can tighten valuation multiples.
- Evaluate net interest margin trends for clues on rate‑sensitivity and future profitability.
- Use loan‑portfolio growth figures as leading indicators for the bank’s market share gains in the Pacific Northwest.
All information is current as of the filing date (January 14 2026) and reflects publicly available data from Central Pacific Financial Corp.’s investor relations portal and SEC filings.
