Central Pacific Stock Price, News & Analysis

Central Pacific Financial Corporation (NYSE: CPF) is a Hawaii-based bank holding company in the commercial banking industry. According to company disclosures, its primary subsidiary is Central Pacific Bank, which operates 27 branches and 55 ATMs in the State of Hawaii. Central Pacific Financial Corporation is listed on the New York Stock Exchange under the ticker symbol CPF and reports that it has several billion dollars in total assets.

The company operates in the finance and insurance sector as a full-service commercial bank. Based on the Polygon description, Central Pacific Financial Corp. offers banking products and services that include accepting time and demand deposits and originating loans. The company’s loans include commercial loans, construction loans, commercial and residential mortgage loans, and consumer loans. The firm states that its deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits.

Central Pacific Financial Corporation generates income primarily from interest and fees on loans, interest on investment securities, and fees received in connection with deposits and other services, as described in the Polygon profile. Its SEC filings and earnings releases emphasize net interest income and net interest margin as key performance measures, reflecting the importance of loan yields, investment securities yields, and funding costs on deposits.

Business model and operations

Central Pacific Financial Corporation functions as a bank holding company, with Central Pacific Bank as its main operating subsidiary. The bank focuses on traditional commercial banking activities, including gathering deposits and making a variety of loans. The company’s earnings releases describe net interest income from loans and investment securities and other operating income from service charges, fees, bank-owned life insurance, and related items.

The firm reports that it manages credit risk through provisions for credit losses on loans and off-balance sheet exposures, and it maintains an allowance for credit losses as a percentage of total loans. Asset quality metrics disclosed in earnings releases include nonperforming assets and net charge-offs as a percentage of average loans.

Geographic focus and market

Central Pacific Financial Corporation describes itself as a Hawaii-based bank holding company. Its primary banking subsidiary, Central Pacific Bank, operates its branch and ATM network within the State of Hawaii. Company news releases frequently reference the impact of Hawaii’s tourism and construction sectors, as well as local economic conditions and natural disasters, in the discussion of risk factors and forward-looking statements.

The company has also highlighted a strategic partnership with The Kyoto Shinkin Bank, described in an earnings release as intended to create a stronger economic bridge between Hawaii and Japan. This partnership aims to expand business opportunities and connect customers of both institutions across the Pacific.

Regulation, supervision, and deposit insurance

Central Pacific Financial Corporation and Central Pacific Bank operate within a regulated banking framework. The company’s news releases state that Central Pacific Bank is a Member FDIC and an Equal Housing Lender. A 2025 earnings release notes that Central Pacific Bank became a member of the Federal Reserve System, with the Board of Governors of the Federal Reserve System, acting through the Federal Reserve Bank of San Francisco, serving as the bank’s primary federal supervisor. Both the holding company and the bank continue to be regulated by the Hawaii Division of Financial Institutions.

Earlier Polygon information notes that the bank was not a member of the Federal Reserve System; however, more recent company disclosures explicitly state that Central Pacific Bank became a member of the Federal Reserve System, so the more recent information supersedes the earlier description.

Capital, governance, and corporate actions

Central Pacific Financial Corporation’s earnings releases and Form 8-K filings describe a capital structure that includes common equity and previously issued subordinated notes. The company has disclosed share repurchase programs, periodic repurchases of common stock, and regular quarterly cash dividends approved by its Board of Directors. Regulatory capital ratios such as leverage ratio, Common Equity Tier 1 ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratio are reported in earnings releases.

Corporate governance developments disclosed in recent Form 8-K filings include amendments to the company’s bylaws to update procedural mechanics for shareholder meetings, director nominations, and other governance matters. Another Form 8-K filing describes the filing of a Statement of Cancellation of Acquired Shares in Hawaii to cancel previously designated but unissued preferred stock shares, which were restored to the status of authorized but unissued preferred stock under the company’s Restated Articles of Incorporation.

The company also reports changes in board composition and executive roles. Form 8-K filings note resignations of certain directors for personal reasons, and news releases describe appointments and promotions of executives and new directors to the boards of Central Pacific Financial Corp. and Central Pacific Bank.

Risk considerations and operating environment

Central Pacific Financial Corporation’s earnings releases include detailed forward-looking statement disclaimers that outline factors that may affect its performance. These factors include inflation and interest rate fluctuations, economic conditions in Hawaii and other markets where the company does business, bank failures and their effects on customer confidence and liquidity, real estate and construction industry trends, natural disasters such as wildfires, volcanic eruptions, hurricanes, tsunamis, storms, and earthquakes, as well as regulatory, legal, accounting, and technological developments.

The company directs investors to its Forms 10-Q and 10-K filed with the U.S. Securities and Exchange Commission for further discussion of risk factors. These filings are cited in multiple news releases as the primary source for detailed risk disclosures.

Stock information and investor communications

Central Pacific Financial Corporation trades on the New York Stock Exchange under the symbol CPF. The company regularly issues press releases regarding its quarterly and annual financial results and files corresponding Form 8-K reports that furnish earnings releases and earnings supplement slide presentations. It also hosts investor conference calls and webcasts to discuss results for each quarter and provides slide presentations with additional financial information.

Investors following CPF can review earnings metrics such as net income, earnings per share, return on average assets, return on average equity, net interest margin, efficiency ratio, asset quality indicators, and capital ratios as disclosed in the company’s earnings releases and SEC filings.

How Central Pacific Financial Corporation generates revenue

According to the Polygon description, Central Pacific Financial Corp. derives income from interest and fees on loans, interest on investment securities, and fees received in connection with deposits and other services. The company’s earnings releases further emphasize net interest income as a primary revenue component, driven by yields on loans and investment securities and the cost of deposits and other funding sources.

Other operating income reported in earnings releases includes items such as service charges and fees and income from bank-owned life insurance. The company also notes the impact of investment portfolio repositioning transactions on interest income and other operating income.

Summary

Central Pacific Financial Corporation is a Hawaii-based bank holding company in the commercial banking industry, with Central Pacific Bank as its primary subsidiary. The bank operates a branch and ATM network in Hawaii, offers deposit and loan products, and reports that its deposits are insured by the FDIC up to applicable limits. CPF is listed on the NYSE and provides regular financial disclosures through earnings releases and SEC filings, which detail its performance, capital position, governance changes, and risk factors.