Compared to Estimates, Central Pacific Financial (CPF) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, Central Pacific Financial (CPF) reported revenue of $74.81 million, up 12.4% over the same period last year. EPS came in at $0.73, compared to $0.58 in the year-ago quarter.

The reported revenue represents a surprise of +0.41% over the Zacks Consensus Estimate of $74.5 million. With the consensus EPS estimate being $0.74, the EPS surprise was -1.35%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Central Pacific Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 62.8% compared to the 58.8% average estimate based on two analysts.
• Net Interest Margin: 3.5% versus the two-analyst average estimate of 3.5%.
• Average Balance - Total interest earning assets: $7.01 billion versus the two-analyst average estimate of $7.02 billion.
• Total nonaccrual loans: $14.32 million compared to the $18.15 million average estimate based on two analysts.
• Total nonperforming assets: $14.32 million compared to the $19.4 million average estimate based on two analysts.
• Net charge-offs to average loans: 0.2% versus 0.8% estimated by two analysts on average.
• Net Interest Income: $61.3 million compared to the $61.73 million average estimate based on two analysts.
• Net Interest Income (FTE): $61.49 million versus $61.92 million estimated by two analysts on average.
• Total noninterest Income/ Total other operating income: $13.51 million compared to the $12.66 million average estimate based on two analysts.

View all Key Company Metrics for Central Pacific Financial here>>>

Shares of Central Pacific Financial have returned -0.2% over the past month versus the Zacks S&P 500 composite's +3.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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