Equity Profile

CPF

Central Pacific Financial Corp.

FinancialsRegional Banks$1.0B

Oct29Thu

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Central Pacific Financial Corp. (CPF) is a regional bank focused on providing financial services primarily in Hawaii....

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 expenses relative to its income.

N/A

Loan Growth

Loan growth reflects demand for credit and can indicate the health of the local economy, which is vital for a regional bank.

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 focused on providing financial services primarily in Hawaii. With a market cap of $1 billion, it plays a crucial role in supporting local businesses and consumers, especially in a recovering economy.

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, exceeding expectations by about 5.8%. However, the stock experienced a slight decline the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic ahead of CPF's earnings report, especially after a recent EPS beat. However, the lack of analyst estimates adds uncertainty.

Bull Case

If CPF continues its trend of beating EPS estimates, it could signal strong operational efficiency and growth, leading to a positive market reaction.

Bear Case

On the other hand, if the bank fails to meet expectations or shows signs of declining loan demand, it could lead to a significant drop in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the current loan growth rate compared to last quarter?

Loan growth is crucial for CPF's revenue and profitability, and any slowdown could raise concerns about the bank's future performance.

How has the net interest margin changed this quarter?

A change in net interest margin can significantly impact CPF's profitability, and investors will be keen to understand the bank's ability to manage its interest income and expenses.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth driven by economic recovery in Hawaii, which could lead to better-than-expected performance.

Supporting Evidence

Recent trends in local economic indicators suggest increasing consumer confidence, which could boost loan demand.

The options market is pricing in a larger move than historical averages, indicating that traders expect significant volatility.

CPF's historical EPS beat rate of 75% suggests a strong track record of exceeding expectations.

Key Risk

If loan growth comes in above 5%, it could challenge the current cautious outlook and lead to a positive reassessment of CPF's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on CPF's ability to maintain loan growth and manage its interest margins effectively.

Bull Confirmed If

If loan growth exceeds 5% quarter-over-quarter, it would indicate strong demand and confidence in the local economy.

Bear Confirmed If

If net interest margin falls below 3%, it could signal challenges in profitability and raise concerns among investors.

Pre-Earnings Positioning

Options Market

Implied Move

±22.41%

Historical Avg

±2.6%

Pricing rich

The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.

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 a potential stock increase of around 2.57%, confirming operational strength.

In-Line / Cautious

If results are in line with expectations but management is cautious, the stock may remain flat or see minimal movement.

Miss

If CPF misses expectations, history indicates a potential decline of around 3.60%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand trends in Hawaii.
2Management's commentary on net interest margin and its outlook for the coming quarters.
3Insights into any changes in the competitive landscape within the regional banking sector.
4Details on cost management strategies and their impact on profitability.
5Any guidance on future earnings expectations or economic outlook.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

PTC Inc.

Company Snapshot

Central Pacific Financial Corp. (CPF) is a regional bank focused on providing financial services primarily in Hawaii....

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 expenses relative to its income.

N/A

Loan Growth

Loan growth reflects demand for credit and can indicate the health of the local economy, which is vital for a regional bank.

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, exceeding expectations by about 5.8%. However, the stock experienced a slight decline the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic ahead of CPF's earnings report, especially after a recent EPS beat. However, the lack of analyst estimates adds uncertainty.

Bull Case

If CPF continues its trend of beating EPS estimates, it could signal strong operational efficiency and growth, leading to a positive market reaction.

Bear Case

On the other hand, if the bank fails to meet expectations or shows signs of declining loan demand, it could lead to a significant drop in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the current loan growth rate compared to last quarter?

Loan growth is crucial for CPF's revenue and profitability, and any slowdown could raise concerns about the bank's future performance.

How has the net interest margin changed this quarter?

A change in net interest margin can significantly impact CPF's profitability, and investors will be keen to understand the bank's ability to manage its interest income and expenses.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth driven by economic recovery in Hawaii, which could lead to better-than-expected performance.

Supporting Evidence

Recent trends in local economic indicators suggest increasing consumer confidence, which could boost loan demand.

The options market is pricing in a larger move than historical averages, indicating that traders expect significant volatility.

CPF's historical EPS beat rate of 75% suggests a strong track record of exceeding expectations.

Key Risk

If loan growth comes in above 5%, it could challenge the current cautious outlook and lead to a positive reassessment of CPF's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on CPF's ability to maintain loan growth and manage its interest margins effectively.

Bull Confirmed If

If loan growth exceeds 5% quarter-over-quarter, it would indicate strong demand and confidence in the local economy.

Bear Confirmed If

If net interest margin falls below 3%, it could signal challenges in profitability and raise concerns among investors.

Pre-Earnings Positioning

Options Market

Implied Move

±22.41%

Historical Avg

±2.6%

Pricing rich

The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.

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 a potential stock increase of around 2.57%, confirming operational strength.

In-Line / Cautious

If results are in line with expectations but management is cautious, the stock may remain flat or see minimal movement.

Miss

If CPF misses expectations, history indicates a potential decline of around 3.60%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand trends in Hawaii.
2Management's commentary on net interest margin and its outlook for the coming quarters.
3Insights into any changes in the competitive landscape within the regional banking sector.
4Details on cost management strategies and their impact on profitability.
5Any guidance on future earnings expectations or economic outlook.