CPB (NYSE:CPF) Announces Quarterly Earnings Results, Beats Estimates By $0.12 EPS

CPB (NYSE:CPF) released its quarterly earnings data on Wednesday. The financial services provider reported $0.85 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.73 by $0.12, Zacks reports. CPB had a return on equity of 13.28% and a net margin of 18.66%.The firm had revenue of $76.29 million during the quarter, compared to analysts’ expectations of $75.43 million.

Here are the key takeaways from CPB’s conference call:

• The company reported improved profitability with Q4 net income of $22.9 million ($0.85 per share) and FY2025 net income of $77.5 million ($2.86), core EPS up 24% year-over-year, a NIM of 3.56%, and guidance for ~4–6% growth in net interest income for 2026.
• Core deposits grew by $78 million in Q4, the average deposit cost fell to 0.94% (spot rate 0.89% at 12/31), non‑interest deposits remain a sizable 29% of total deposits, and management expects deposit beta around 25–30%.
• Total loans declined $78 million in Q4 (down $44 million for the year) with ~$250 million of Q4 runoff driven by large construction/commercial payoffs and delayed fundings; the bank guides conservatively to low‑single‑digit net loan growth in 2026, with early‑year growth likely slower and weighted to the back half.
• Shareholder returns were prioritized as management repurchased ~530,000 shares ($16.3 million) in Q4 (788,000 shares / $23.3M in 2025) and received a board authorization of up to $55 million for 2026 buybacks while raising the quarterly dividend to $0.29 per share.
• Asset quality and capital remain healthy with NPAs of $14.4 million (19 bps of assets), annualized net charge-offs of $2.5 million (18 bps), a modest provision of $2.4 million, and total risk‑based capital at 14.8%, supporting cautious portfolio growth.

CPB Stock Performance

CPB stock opened at $32.61 on Thursday. The firm has a market cap of $874.93 million, a P/E ratio of 13.42 and a beta of 0.95. CPB has a 1-year low of $23.16 and a 1-year high of $34.67. The company has a current ratio of 0.86, a quick ratio of 0.86 and a debt-to-equity ratio of 0.22. The firm has a 50-day moving average of $31.48 and a 200-day moving average of $30.04.

CPB Increases Dividend

The company also recently disclosed a quarterly dividend, which will be paid on Monday, March 16th. Shareholders of record on Friday, February 27th will be given a $0.29 dividend. The ex-dividend date is Friday, February 27th. This is a positive change from CPB’s previous quarterly dividend of $0.28. This represents a $1.16 dividend on an annualized basis and a dividend yield of 3.6%. CPB’s dividend payout ratio is presently 46.09%.

Analyst Upgrades and Downgrades

A number of equities analysts have weighed in on CPF shares. Weiss Ratings reaffirmed a “buy (b)” rating on shares of CPB in a research report on Monday, December 29th. Keefe, Bruyette & Woods started coverage on CPB in a report on Wednesday, October 8th. They set a “market perform” rating and a $34.00 target price on the stock. Two analysts have rated the stock with a Buy rating and one has given a Hold rating to the company’s stock. According to data from MarketBeat.com, CPB currently has a consensus rating of “Moderate Buy” and a consensus price target of $34.50.

Institutional Investors Weigh In On CPB

Institutional investors have recently added to or reduced their stakes in the stock. Quarry LP grew its position in shares of CPB by 3,169.6% in the 3rd quarter. Quarry LP now owns 1,504 shares of the financial services provider’s stock worth $46,000 after buying an additional 1,458 shares during the last quarter. iSAM Funds UK Ltd acquired a new position in CPB in the third quarter valued at approximately $62,000. CIBC Private Wealth Group LLC purchased a new stake in CPB in the 3rd quarter worth approximately $62,000. Tower Research Capital LLC TRC grew its stake in shares of CPB by 369.4% during the 2nd quarter. Tower Research Capital LLC TRC now owns 4,065 shares of the financial services provider’s stock worth $114,000 after purchasing an additional 3,199 shares during the period. Finally, Virtus Advisers LLC purchased a new position in shares of CPB during the 3rd quarter valued at approximately $226,000. Institutional investors own 88.42% of the company’s stock.

Key Stories Impacting CPB

Here are the key news stories impacting CPB this week:

• Positive Sentiment: Q4 earnings and revenue beat — CPF reported $0.85 EPS vs. consensus $0.73 and revenue of $76.29M vs. $75.43M, showing margin expansion and stronger profitability. This is the main positive catalyst supporting the share move. Business Wire: Q4 and Full-Year 2025 Earnings
• Positive Sentiment: Improving profit trend — quarterly net income rose to $22.9M (versus $18.6M prior quarter and $11.3M year‑ago), and full‑year EPS was $2.86, underscoring ongoing recovery and operating leverage. MarketBeat: Earnings Summary
• Positive Sentiment: Dividend raised — board increased the quarterly dividend to $0.29 (annualized yield ~3.6%), a ~3.6% bump from $0.28, which supports income investors and signals confidence in cash flow. (Ex‑dividend: Feb 27; record: Feb 27; pay: Mar 16.)
• Neutral Sentiment: Earnings call commentary and analyst writeups — management discussed drivers behind profit growth on the Q4 call; transcripts and highlights are available for detail but did not contain major forward guidance changes. Investors should review the call for specifics on loans, NIM and credit trends. Seeking Alpha: Q4 2025 Earnings Call Transcript TipRanks: Call Highlights
• Neutral Sentiment: Key metrics and outlook context — analysts and Zacks note CPF beat consensus and reported solid ROE (13.3%) and net margin (~18.7%); consensus still expects ~2.75 EPS for the fiscal year, so market reaction will depend on forward guidance and macro banking trends. Zacks: How Key Metrics Compare
• Negative Sentiment: Ex‑dividend timing and liquidity metrics — the upcoming ex‑dividend date (Feb 27) often puts short‑term pressure on the share price; also monitor liquidity ratios (current and quick ~0.86) which investors may view as less robust for near‑term funding flexibility. Comparative Article

CPB Company Profile

Charoen Pokphand Foods Public Company Limited (NYSE: CPF) is a Thailand‐based integrated agro‐industrial and food conglomerate. Headquartered in Bangkok, the company is a subsidiary of the Charoen Pokphand Group and has grown into one of the world’s leading producers of livestock feed, meat and seafood products. CPF’s businesses span animal feed milling, animal breeding and hatchery operations, meat and seafood processing, and the distribution of fresh, frozen and value‐added food products.

CPF’s product portfolio includes poultry, swine and aquaculture feed; fresh and frozen chicken and pork; shrimp and other seafood; as well as ready‐to‐eat and ready‐to‐cook food items.