Central Pacific Financial (CPF) reported $68.8 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 12%. EPS of $0.65 for the same period compares to $0.48 a year ago.
The reported revenue represents a surprise of +0.09% over the Zacks Consensus Estimate of $68.74 million. With the consensus EPS estimate being $0.63, the EPS surprise was +3.17%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 61.2% versus 62.6% estimated by two analysts on average.
- Net Interest Margin: 3.3% versus 3.3% estimated by two analysts on average.
- Average Balance - Total interest earning assets: $7.05 billion compared to the $7.07 billion average estimate based on two analysts.
- Total nonaccrual loans: $11.09 million versus $11.23 million estimated by two analysts on average.
- Total nonperforming assets: $11.09 million versus the two-analyst average estimate of $11.63 million.
- Net charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on two analysts.
- Net Interest Income: $57.70 million versus the two-analyst average estimate of $57.12 million.
- Net Interest Income (FTE): $57.89 million compared to the $57.31 million average estimate based on two analysts.
- Total noninterest Income/ Total other operating income: $11.10 million versus the two-analyst average estimate of $11.62 million.
View all Key Company Metrics for Central Pacific Financial here>>>
Shares of Central Pacific Financial have returned -4.3% over the past month versus the Zacks S&P 500 composite's -6.6% 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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CPB Inc. (CPF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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