Central Pacific Financial (CPF Quick QuoteCPF - Free Report) reported $72.93 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 6%. EPS of $0.78 for the same period compares to $0.65 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $74.12 million, representing a surprise of -1.61%. The company delivered an EPS surprise of +5.88%, with the consensus EPS estimate being $0.74.

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.

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:

• Total nonperforming assets: $14.52 million versus $14.77 million estimated by three analysts on average.
• Efficiency Ratio: 59.9% versus 60.8% estimated by three analysts on average.
• Net Interest Margin: 3.5% versus 3.6% estimated by three analysts on average.
• Net charge-offs to average loans: 0.2% versus 0.3% estimated by three analysts on average.
• Average Balance - Total interest earning assets: $7.02 billion versus the three-analyst average estimate of $7.01 billion.
• Total nonaccrual loans: $14.52 million compared to the $14.36 million average estimate based on two analysts.
• Net Interest Income (FTE): $61.54 million versus $61.72 million estimated by three analysts on average.
• Total noninterest Income/ Total other operating income: $11.57 million versus $12.47 million estimated by three analysts on average.
• Other service charges and fees: $5.79 million versus the two-analyst average estimate of $5.78 million.
• Service charges on deposit accounts: $2.3 million versus the two-analyst average estimate of $2.29 million.
• Mortgage Banking Income: $0.65 million versus $0.93 million estimated by two analysts on average.
• Net Interest Income: $61.36 million versus the two-analyst average estimate of $61.35 million.

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

Shares of Central Pacific Financial have returned +8.3% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.