Central Pacific Financial (NYSE: CPF) shares December 2025 investor slide deck

Rhea-AI Filing Summary

Central Pacific Financial Corp. has furnished a slide presentation as Exhibit 99.1 to a current report. The company plans to use these slides in various meetings during December 2025.

The material is provided under Regulation FD and is treated as furnished rather than filed, so it is not subject to certain Exchange Act liabilities or automatically incorporated into other SEC documents. The company also notes that the presentation includes forward-looking statements that involve risks and uncertainties described in its SEC reports.

0000701347false00007013472025-12-162025-12-16

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): December 16, 2025

Central Pacific Financial Corp.

(Exact name of registrant as specified in its charter)

Hawaii

001-31567

99-0212597

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

220 South King Street, Honolulu, Hawaii

(Address of principal executive offices)

96813

(Zip Code)

(808) 544-0500

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, No Par Value

CPF

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 7.01. REGULATION FD DISCLOSURE

Central Pacific Financial Corp. (the "Company") is furnishing the slide presentation that it intends to present in various meetings during December 2025. The slides are furnished as Exhibit 99.1 to this report. The information in this report (including Exhibit 99.1) shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

As discussed therein, the slide presentation furnished as Exhibit 99.1 to this Current Report on Form 8-K contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act and, as such, may involve known and unknown risks, uncertainties and assumptions. These forward-looking statements relate to the Company's current expectations and are subject to the limitations and qualifications set forth in the presentation as well as in the Company's other documents filed with the Securities and Exchange Commission, including, without limitation, that actual events and/or results may differ materially from those projected in such forward-looking statements.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

(d)                   The following exhibit is being furnished herewith:

Exhibit No.						Description
99.1						Central Pacific Financial Corporation slide presentation, dated December 2025
104						Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Central Pacific Financial Corp.
			(Registrant)
Date: December 16, 2025			/s/ Dayna N. Matsumoto
			Dayna N. Matsumoto
			Executive Vice President, Chief Financial Officer

FAQ

What did Central Pacific Financial Corp. (CPF) disclose in this report?

Central Pacific Financial Corp. disclosed that it is furnishing a slide presentation that it intends to use in various meetings during December 2025, included as Exhibit 99.1.

What is Exhibit 99.1 in Central Pacific Financial (CPF)'s December 2025 filing?

Exhibit 99.1 is a Central Pacific Financial Corporation slide presentation dated December 2025 that will be used in meetings and is furnished with the report.

Are the CPF December 2025 slides considered filed with the SEC?

The company states that the information in the report, including Exhibit 99.1, is being furnished and shall not be deemed to be filed or subject to Section 18 liability.

Do Central Pacific Financial's December 2025 slides contain forward-looking statements?

Yes. The company explains that the Exhibit 99.1 slide presentation contains forward-looking statements that involve risks, uncertainties, and assumptions.

Under which SEC rule is Central Pacific Financial (CPF) providing this presentation?

The presentation is provided under Regulation FD, as indicated by the Item 7.01 Regulation FD Disclosure section of the report.

Will the December 2025 investor slides be automatically incorporated into other Central Pacific Financial filings?

No. The company notes that the information, including Exhibit 99.1, will not be incorporated by reference into other Securities Act or Exchange Act documents unless specifically referenced.