Central Pacific Financial (CPF) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended December 2025, Central Pacific Financial (CPF) reported revenue of $76.29 million, up 30.6% over the same period last year. EPS came in at $0.85, compared to $0.70 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $75.4 million, representing a surprise of +1.18%. The company delivered an EPS surprise of +16.44%, with the consensus EPS estimate being $0.73.

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: 59.9% compared to the 60.4% average estimate based on two analysts.
• Net Interest Margin: 3.6% versus the two-analyst average estimate of 3.6%.
• Average Balance - Total interest earning assets: $6.96 billion versus $7.03 billion estimated by two analysts on average.
• Total nonaccrual loans: $14.39 million versus $14.39 million estimated by two analysts on average.
• Total nonperforming assets: $14.39 million compared to the $15.39 million average estimate based on two analysts.
• Net charge-offs to average loans: 0.2% versus 0.3% estimated by two analysts on average.
• Net Interest Income: $62.09 million versus the two-analyst average estimate of $62.8 million.
• Net Interest Income (FTE): $62.27 million versus $63 million estimated by two analysts on average.
• Total noninterest Income/ Total other operating income: $14.2 million versus $12.58 million estimated by two analysts on average.

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 +0.8% 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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