Equity Profile

CPF

Central Pacific Financial Corp.

FinancialsRegional Banks$918.5M

Oct29Thu

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Central Pacific Financial Corp. (CPF) is a regional bank that provides a range of financial services, including loans, deposits, and investment products....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

N/A

Loan Growth

Loan growth reflects the bank's ability to attract new customers and expand its lending portfolio, which is crucial for revenue generation.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

CPF Q2-2026 Earnings Preview

Context

Company Snapshot

Central Pacific Financial Corp. (CPF) is a regional bank that provides a range of financial services, including loans, deposits, and investment products. As a player in the financial sector, its performance can be influenced by interest rates, economic conditions, and consumer spending trends.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

75%

Avg EPS Surprise

+7.41%

Avg Stock Reaction

-2.09%

Last Quarter Recap

In Q1-2026, CPF reported an EPS of $0.78, surpassing expectations by 5.83%. However, the stock experienced a slight decline of 1.24% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about CPF's upcoming earnings, especially given its recent EPS beat. However, uncertainty remains due to the lack of analyst estimates.

Bull Case

If CPF continues its trend of beating EPS estimates, it could signal strong operational performance and attract more investors.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of weakening loan growth, it could lead to a significant drop in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure will be crucial in determining whether CPF can maintain its trend of beating estimates and instill confidence in investors.

How is loan growth trending in the current economic environment?

Understanding loan growth will help gauge the bank's ability to expand its business and manage risks in a potentially challenging economic landscape.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate CPF's ability to maintain loan growth despite economic headwinds, given its strong customer base and regional focus.

Supporting Evidence

CPF has a history of beating EPS estimates, which could continue this quarter.

The options market is pricing a larger move than historical averages, indicating potential for volatility.

Recent economic indicators suggest stability in the regional banking sector, which could benefit CPF.

Key Risk

If loan growth exceeds expectations, it could significantly alter market perceptions and lead to upward revisions in forecasts.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The upcoming earnings report will be pivotal in assessing CPF's financial health and market position, particularly in light of recent economic conditions.

Bull Confirmed If

An EPS of $0.80 or higher would confirm strong operational performance and growth.

Bear Confirmed If

An EPS below $0.70 would raise concerns about profitability and growth prospects.

Pre-Earnings Positioning

Options Market

Implied Move

±22.41%

Historical Avg

±2.6%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±22.4% while CPF has averaged ±2.6% over the last 8 prints — setup is pricing rich.

Detail

30d HV

21.7%

Calls (19K)P/C Ratio: 0.20Puts (0)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If CPF beats expectations, history suggests the stock could see a modest increase, confirming the bank's strong performance.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting cautious sentiment among investors.

Miss

A miss could lead to a significant decline, with historical data indicating an average drop of around 3.60% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth trends and how they are impacting revenue.
2Insights into net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions and their impact on future performance.
4Details on any new initiatives or products that could drive growth.
5Responses to questions about risk management and credit quality in the current environment.

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More Earnings This Week

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Company Snapshot

Central Pacific Financial Corp. (CPF) is a regional bank that provides a range of financial services, including loans, deposits, and investment products....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

N/A

Loan Growth

Loan growth reflects the bank's ability to attract new customers and expand its lending portfolio, which is crucial for revenue generation.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

CPF Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

75%

Avg EPS Surprise

+7.41%

Avg Stock Reaction

-2.09%

Last Quarter Recap

In Q1-2026, CPF reported an EPS of $0.78, surpassing expectations by 5.83%. However, the stock experienced a slight decline of 1.24% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about CPF's upcoming earnings, especially given its recent EPS beat. However, uncertainty remains due to the lack of analyst estimates.

Bull Case

If CPF continues its trend of beating EPS estimates, it could signal strong operational performance and attract more investors.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of weakening loan growth, it could lead to a significant drop in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure will be crucial in determining whether CPF can maintain its trend of beating estimates and instill confidence in investors.

How is loan growth trending in the current economic environment?

Understanding loan growth will help gauge the bank's ability to expand its business and manage risks in a potentially challenging economic landscape.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate CPF's ability to maintain loan growth despite economic headwinds, given its strong customer base and regional focus.

Supporting Evidence

CPF has a history of beating EPS estimates, which could continue this quarter.

The options market is pricing a larger move than historical averages, indicating potential for volatility.

Recent economic indicators suggest stability in the regional banking sector, which could benefit CPF.

Key Risk

If loan growth exceeds expectations, it could significantly alter market perceptions and lead to upward revisions in forecasts.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The upcoming earnings report will be pivotal in assessing CPF's financial health and market position, particularly in light of recent economic conditions.

Bull Confirmed If

An EPS of $0.80 or higher would confirm strong operational performance and growth.

Bear Confirmed If

An EPS below $0.70 would raise concerns about profitability and growth prospects.

Pre-Earnings Positioning

Options Market

Implied Move

±22.41%

Historical Avg

±2.6%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±22.4% while CPF has averaged ±2.6% over the last 8 prints — setup is pricing rich.

Detail

30d HV

21.7%

Calls (19K)P/C Ratio: 0.20Puts (0)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If CPF beats expectations, history suggests the stock could see a modest increase, confirming the bank's strong performance.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting cautious sentiment among investors.

Miss

A miss could lead to a significant decline, with historical data indicating an average drop of around 3.60% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth trends and how they are impacting revenue.
2Insights into net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions and their impact on future performance.
4Details on any new initiatives or products that could drive growth.
5Responses to questions about risk management and credit quality in the current environment.