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Central Pacific Financial (CPF) Reports Q3 Earnings: What Key Metrics Have to Say
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Central Pacific Financial (CPF - Free Report) reported $76.83 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 2.7%. EPS of $0.88 for the same period compares to $0.73 a year ago.
The reported revenue represents a surprise of -0.32% over the Zacks Consensus Estimate of $77.08 million. With the consensus EPS estimate being $0.87, the EPS surprise was +1.15%.
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.
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:
Total nonperforming assets: $14.01 million versus the two-analyst average estimate of $15.97 million.
Efficiency Ratio: 58.3% versus the two-analyst average estimate of 58.6%.
Net Interest Margin: 3.6% versus 3.6% estimated by two analysts on average.
Net charge-offs to average loans: 0.2% versus the two-analyst average estimate of 0.2%.
Total nonaccrual loans: $13.04 million versus the two-analyst average estimate of $15.38 million.
Average Balance - Total interest earning assets: $7.11 billion versus $7.13 billion estimated by two analysts on average.
Net Interest Income (FTE): $64.66 million compared to the $64.46 million average estimate based on two analysts.
Total noninterest Income/ Total other operating income: $12.36 million versus $12.82 million estimated by two analysts on average.
Net Interest Income: $64.47 million compared to the $64.27 million average estimate based on two analysts.
Shares of Central Pacific Financial have returned +5.2% over the past month versus the Zacks S&P 500 composite's -0.2% 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.
View the Zacks #1 Rank List
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Central Pacific Financial (CPF) Reports Q3 Earnings: What Key Metrics Have to Say
Central Pacific Financial (CPF - Free Report) reported $76.83 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 2.7%. EPS of $0.88 for the same period compares to $0.73 a year ago.
The reported revenue represents a surprise of -0.32% over the Zacks Consensus Estimate of $77.08 million. With the consensus EPS estimate being $0.87, the EPS surprise was +1.15%.
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.
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:View all Key Company Metrics for Central Pacific Financial here>>>
Shares of Central Pacific Financial have returned +5.2% over the past month versus the Zacks S&P 500 composite's -0.2% 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.