CPF
CENTRAL PACIFIC FINANCIAL CORP
Overview
Central Pacific Financial Corp. operates as a bank holding company providing full-service commercial banking through Central Pacific Bank, with 27 branches and 55 ATMs across Hawaii.
CENTRAL PACIFIC FINANCIAL CORP is a Financial Services company operating in Banks - Regional with a $935.7M market cap.
Most recent reported earnings: Q2 FY2026 (Jul 23, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2913 Q&A exchanges
- Q4 FY2025Earnings2026-01-2814 Q&A exchanges
- Q3 FY2025Earnings2025-10-2912 Q&A exchanges
- Q2 FY2025Earnings2025-07-2513 Q&A exchanges
- Q1 FY2025Earnings2025-04-2313 Q&A exchanges
- Q4 FY2024Earnings2025-01-2910 Q&A exchanges
- Q3 FY2024Earnings2024-10-3010 Q&A exchanges
- Q2 FY2024Earnings2024-07-3120 Q&A exchanges
- Q1 FY2024Earnings2024-04-2410 Q&A exchanges
- Q4 FY2023Earnings2024-01-319 Q&A exchanges
- Q3 FY2023Earnings2023-10-257 Q&A exchanges
- Q2 FY2023Earnings2023-07-2917 Q&A exchanges
- Q1 FY2023Earnings2023-04-2611 Q&A exchanges
- Q4 FY2022Earnings2023-01-2520 Q&A exchanges
- Q3 FY2022Earnings2022-10-2114 Q&A exchanges
- Q2 FY2022Earnings2022-07-2729 Q&A exchanges
- Q1 FY2022Earnings2022-04-2027 Q&A exchanges
- Q4 FY2021Earnings2022-01-2621 Q&A exchanges
- Q3 FY2021Earnings2021-10-2815 Q&A exchanges
- Q2 FY2021Earnings2021-07-2815 Q&A exchanges
- Q1 FY2021Earnings2021-04-2820 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-23EPS— vs $0.78—Rev— vs ——EODHD
- Q1 FY20262026-04-28EPS$0.78 vs $0.74+5.4%Rev$87.5M vs ——EODHD
- Q4 FY20252026-01-27EPS$0.85 vs $0.73+16.4%Rev$93.1M vs ——EODHD
- Q3 FY20252025-10-28EPS$0.73 vs $0.74-1.4%Rev$92.2M vs ——EODHD
- Q2 FY20252025-07-24EPS$0.67 vs $0.70-4.3%Rev$89.9M vs ——EODHD
- Q1 FY20252025-04-22EPS$0.65 vs $0.63+3.2%Rev$87.1M vs ——EODHD
- Q4 FY20242025-01-28EPS$0.70 vs $0.62+12.9%Rev$80.0M vs ——EODHD
- Q3 FY20242024-10-29EPS$0.49 vs $0.56-12.5%Rev$89.4M vs ——EODHD
- Q2 FY20242024-07-30EPS$0.58 vs $0.48+20.8%Rev$86.6M vs ——EODHD
- Q1 FY20242024-04-23EPS$0.48 vs $0.45+6.7%Rev$84.5M vs ——EODHD
- Q4 FY20232024-01-30EPS$0.55 vs $0.48+14.6%Rev$83.6M vs ——EODHD
- Q3 FY20232023-10-24EPS$0.49 vs $0.52-5.8%Rev$81.0M vs ——EODHD
- Q2 FY20232023-07-25EPS$0.53 vs $0.54-1.8%Rev$78.6M vs ——EODHD
- Q1 FY20232023-04-25EPS$0.60 vs $0.55+9.1%Rev$76.4M vs ——EODHD
- Q4 FY20222023-01-24EPS$0.74 vs $0.60+23.3%Rev$80.4M vs ——EODHD
- Q3 FY20222022-10-20EPS$0.61 vs $0.60+1.7%Rev$68.1M vs ——EODHD
- Q2 FY20222022-07-26EPS$0.64 vs $0.54+18.5%Rev$70.8M vs ——EODHD
- Q1 FY20222022-04-19EPS$0.70 vs $0.56+25.0%Rev$61.3M vs ——EODHD
- Q4 FY20212022-01-25EPS$0.80 vs $0.65+23.1%Rev$70.7M vs ——EODHD
- Q3 FY20212021-10-26EPS$0.74 vs $0.58+27.6%Rev$66.9M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-23 | — | $0.78 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-28 | $0.78 | $0.74 | +5.4% | $87.5M | — | — | EODHD |
| Q4 FY2025 | 2026-01-27 | $0.85 | $0.73 | +16.4% | $93.1M | — | — | EODHD |
| Q3 FY2025 | 2025-10-28 | $0.73 | $0.74 | -1.4% | $92.2M | — | — | EODHD |
| Q2 FY2025 | 2025-07-24 | $0.67 | $0.70 | -4.3% | $89.9M | — | — | EODHD |
| Q1 FY2025 | 2025-04-22 | $0.65 | $0.63 | +3.2% | $87.1M | — | — | EODHD |
| Q4 FY2024 | 2025-01-28 | $0.70 | $0.62 | +12.9% | $80.0M | — | — | EODHD |
| Q3 FY2024 | 2024-10-29 | $0.49 | $0.56 | -12.5% | $89.4M | — | — | EODHD |
| Q2 FY2024 | 2024-07-30 | $0.58 | $0.48 | +20.8% | $86.6M | — | — | EODHD |
| Q1 FY2024 | 2024-04-23 | $0.48 | $0.45 | +6.7% | $84.5M | — | — | EODHD |
| Q4 FY2023 | 2024-01-30 | $0.55 | $0.48 | +14.6% | $83.6M | — | — | EODHD |
| Q3 FY2023 | 2023-10-24 | $0.49 | $0.52 | -5.8% | $81.0M | — | — | EODHD |
| Q2 FY2023 | 2023-07-25 | $0.53 | $0.54 | -1.8% | $78.6M | — | — | EODHD |
| Q1 FY2023 | 2023-04-25 | $0.60 | $0.55 | +9.1% | $76.4M | — | — | EODHD |
| Q4 FY2022 | 2023-01-24 | $0.74 | $0.60 | +23.3% | $80.4M | — | — | EODHD |
| Q3 FY2022 | 2022-10-20 | $0.61 | $0.60 | +1.7% | $68.1M | — | — | EODHD |
| Q2 FY2022 | 2022-07-26 | $0.64 | $0.54 | +18.5% | $70.8M | — | — | EODHD |
| Q1 FY2022 | 2022-04-19 | $0.70 | $0.56 | +25.0% | $61.3M | — | — | EODHD |
| Q4 FY2021 | 2022-01-25 | $0.80 | $0.65 | +23.1% | $70.7M | — | — | EODHD |
| Q3 FY2021 | 2021-10-26 | $0.74 | $0.58 | +27.6% | $66.9M | — | — | EODHD |
Source: EODHD. CPF reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks CPF's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 80% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $5.16 | $3.91 | +32.0% | -2.1% | -0.5% |
| Q4 FY2026 | $5.83 | $4.17 | +39.9% | 0.0% | +2.1% |
| Q3 FY2026 | $5.26 | $4.08 | +28.9% | -6.5% | -3.6% |
| Q2 FY2026 | $5.26 | $3.93 | +33.8% | -0.5% | -0.3% |
| Q1 FY2025 | $5.95 | $4.19 | +42.1% | +5.1% | +3.8% |
| Q4 FY2025 | $5.68 | $4.17 | +36.3% | -0.1% | +1.3% |
| Q3 FY2025 | $5.68 | $3.99 | +42.3% | -6.0% | -4.8% |
| Q2 FY2025 | $5.64 | $4.02 | +40.2% | +4.6% | +5.9% |
| Q1 FY2024 | $5.40 | $4.03 | +34.0% | -1.9% | -2.8% |
| Q4 FY2024 | $5.51 | $4.20 | +31.3% | -4.4% | -2.9% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Arnold D MartinesCEO4 mo21 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Dayna N MatsumotoCFO1 yr 3 mo12 callsCurrentSample
CFO since 2025 • 1/4 beats (25%) • last guidance raise Q3 FY2026
- David MorimotoCOO4 mo21 callsCurrentSample
COO since 2026 • 1/2 beats (50%) • last guidance raise Q3 FY2026
- Ralph MesickSenior EVP, CRO4 mo7 callsCurrentSample
DIVISION_HEAD since 2026 • 2/2 beats (100%) • last guidance raise Q1 FY2026
- Diane MurakamiEVP1 yr 4 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 2/4 beats (50%) • last guidance cut Q3 FY2026
- Hu AnnaCCO0 mono recorded callsFormerSample
OTHER_C_SUITE since 2025 • 1/4 beats (25%) • last call held guidance Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CPF.
$ curl https://api.spokenalpha.com/v1/companies/CPFFAQ
Frequently asked about CPF
Where can I find CENTRAL PACIFIC FINANCIAL CORP's (CPF) earnings call transcripts?
Spoken Alpha indexes CPF's earnings call transcripts at https://spokenalpha.com/companies/CPF. Each call links to attributed speakers and parsed analyst Q&A. CENTRAL PACIFIC FINANCIAL CORP's own investor relations page is at https://ir.cpb.bank/corporate-home-page/default.aspx.
When was CENTRAL PACIFIC FINANCIAL CORP's most recent earnings call?
CENTRAL PACIFIC FINANCIAL CORP (CPF) held its most recent earnings call on 2026-04-29, covering fiscal Q1 2026.
What sector is CPF in?
CENTRAL PACIFIC FINANCIAL CORP (CPF) operates in the Financial Services sector (Banks - Regional industry).