Research · Sep 3, 2026
CPF: FY25 Deep Dive
Central Pacific Financial FY25 at $362M. NI $77M; EPS $2.87.
CPF
Central Pacific Financial Corp.
NYSE · Financial Services · Banks - Regional · US
$38.19
+1.01%Research · Apr 30, 2026
CPF Q1: NIM Holds, Loan Yield Compression Signals Peak
CPF's Q1 2026 NIM of 3.53% appeared stable, but the filing reveals loan portfolio yield compression of 6 basis points to 4.93%, while new loans originate at 6.0%—a 107 bp gap signaling older, higher-yielding loans are rolling off. With deposit costs declining at the same pace as loan yields, the interest rate spread is flat, suggesting NIM has peaked rather than positioned for expansion.