UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________________________

FORM 8-K

___________________________________

CURRENT REPORT

~~PURSUANT~~Pursuant TOto ~~SECTION~~ Section 13 ORor 15(d) ~~OF THE SECURITIES EXCHANGE ACT OF 1934~~

~~Date~~ of ~~report~~the ~~(Date~~Securities ofExchange ~~earliest~~Act ~~event~~of ~~reported): December 16, 2025~~ 1934

April 29, 2026

Date of Report (date of earliest event reported)

___________________________________

Central Pacific Financial Corp.

(Exact name of registrant as specified in its charter)

Hawaii

001-31567

99-0212597

(State or otherjurisdiction ofincorporation)

(CommissionFile Number)

(I.R.S. EmployerIdentification No.)

___________________________________

220 South King Street, Honolulu, Hawaii

Hawaii

001-31567

99-0212597

(State or other jurisdiction of
incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

~~(Address~~220 ofSouth ~~principal~~King ~~executive~~Street, ~~offices)~~Honolulu, Hawaii 96813

~~96813~~(Address of principal executive offices and zip code)

(Zip Code)

(808) 544-0500

(Registrant'’s telephone number, including area code)

~~(Former name or former address, if changed since last report.)~~___________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, No Par Value

CPF

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

~~ITEM~~ ~~7.01. REGULATION FD DISCLOSURE~~☐

~~Central~~Item ~~Pacific Financial Corp~~2. ~~(the "Company") is furnishing the slide presentation that it intends to present in various meetings during December 2025~~02. Results ~~The slides are furnished as Exhibit 99.1 to this report. The information in this report (including Exhibit 99.1) shall not be deemed to be "filed" for the purposes~~ of ~~Section 18~~Operations ~~of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section,~~ and ~~shall~~Financial not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.Condition

AsOn ~~discussed~~April 29, ~~therein~~2026, ~~the~~Central ~~slide~~Pacific ~~presentation~~Financial ~~furnished as Exhibit 99~~Corp.1 ~~to this Current Report on Form 8-K contains forward-looking statements within~~ (the ~~meaning~~"Company") ofissued ~~Section 27A~~a ofpress ~~the~~release ~~Securities~~regarding ~~Act~~its ~~and~~results ~~Section 21E~~ of ~~the~~operations ~~Exchange Act~~ and, asfinancial ~~such,~~condition ~~may~~for ~~involve~~the ~~known~~quarter ~~and~~ended ~~unknown risks~~March 31, ~~uncertainties and assumptions~~2026. ~~These~~A ~~forward-looking~~copy ~~statements~~of ~~relate to~~ the ~~Company's~~press ~~current~~release ~~expectations~~is ~~and~~furnished ~~are~~herewith ~~subject to the limitations and qualifications set forth in the presentation~~ as ~~well~~Exhibit as99.1 ~~in the Company's other documents filed with the Securities~~ and ~~Exchange~~incorporated ~~Commission,~~herein ~~including,~~by ~~without limitation, that actual events and/or results may differ materially from those projected in such forward-looking statements~~reference.

~~ITEM~~Item 97.01. Regulation ~~FINANCIAL~~FD ~~STATEMENTS AND EXHIBITS~~Disclosure

~~(d) The~~On ~~following~~April 29, ~~exhibit~~2026, isthe ~~being~~Company ~~furnished~~will ~~herewith:~~hold an investor conference call and webcast to discuss financial results for the quarter ended March 31, 2026, including the attached press release and other matters relating to the Company.

Exhibit No.						Description
99.1						Central Pacific Financial Corporation slide presentation, dated December 2025
104						Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

The Company has also made available on its website a slide presentation containing certain additional information about the Company's financial results for the quarter ended March 31, 2026 (the "Earnings Supplement"). The Earnings Supplement is furnished herewith as Exhibit 99.2 and is incorporated herein by reference. All information in Exhibit 99.2 is presented as of the particular date or dates referenced therein, and the Company does not undertake any obligation to, and disclaims any duty to, update any of the information provided except as required by law.

The Earnings Supplement contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act and, as such, may involve known and unknown risks, uncertainties and assumptions. These forward-looking statements relate to the Company’s current expectations and are subject to the limitations and qualifications set forth in the attached presentation as well as in the Company’s other documents filed with the Securities and Exchange Commission, including, without limitation, that actual events and/or results may differ materially from those projected in such forward-looking statements.

The information provided in Items 2.02 and 7.01 of this Current Report, including Exhibits 99.1 and 99.2, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall the information in Exhibits 99.1 and 99.2 be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits


						Exhibit No.

						99.1						Press release dated April 2 9, 2026
						99.2						Earnings Supplement

						104						Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	~~Central Pacific Financial Corp.~~	Central Pacific Financial Corp.
	~~(Registrant)~~	(Registrant)
Date: December 16, 2025	/s/ Dayna N. Matsumoto
Date:	April 29, 2026	/s/ Dayna N. Matsumoto
	~~Dayna N. Matsumoto~~	Dayna N. Matsumoto
	Executive Vice President, Chief Financial Officer
		Executive Vice President and Chief Financial Officer

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