CPB (NYSE:CPF) Posts Earnings Results, Beats Expectations By $0.12 EPS

CPB (NYSE:CPF) issued its quarterly earnings data on Wednesday. The financial services provider reported $0.85 EPS for the quarter, topping 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 analyst estimates 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 Price Performance

Shares of NYSE CPF opened at $31.90 on Thursday. The company has a quick ratio of 0.86, a current ratio of 0.86 and a debt-to-equity ratio of 0.22. CPB has a twelve month low of $23.16 and a twelve month high of $34.67. The firm has a market capitalization of $855.74 million, a P/E ratio of 13.13 and a beta of 0.95. The stock’s 50-day simple moving average is $31.48 and its two-hundred day simple moving average is $30.04.

CPB Increases Dividend

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

Analyst Upgrades and Downgrades

CPF has been the topic of a number of analyst reports. Keefe, Bruyette & Woods initiated coverage on shares of CPB in a report on Wednesday, October 8th. They set a “market perform” rating and a $34.00 price objective on the stock. Weiss Ratings reaffirmed a “buy (b)” rating on shares of CPB in a report on Monday, December 29th. Two research analysts have rated the stock with a Buy rating and one has issued a Hold rating to the stock. According to MarketBeat.com, the company presently has an average rating of “Moderate Buy” and an average price target of $34.50.

Institutional Investors Weigh In On CPB

Institutional investors have recently made changes to their positions in the business. Quarry LP lifted its stake 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 valued at $46,000 after acquiring an additional 1,458 shares during the last quarter. iSAM Funds UK Ltd bought a new stake in shares of CPB during the 3rd quarter valued at $62,000. CIBC Private Wealth Group LLC bought a new stake in CPB during the third quarter worth about $62,000. Tower Research Capital LLC TRC boosted its position in shares of CPB by 369.4% in 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 in the last quarter. Finally, Virtus Advisers LLC bought a new stake in CPB in the third quarter worth $226,000. Hedge funds and other institutional investors own 88.42% of the company’s stock.

Key Headlines Impacting CPB

Here are the key news stories impacting CPB this week:

• Positive Sentiment: Q4 earnings and revenue beat consensus, showing meaningful YoY improvement (Q4 EPS $0.85 vs prior-year $0.42) and strong full-year results — supports profit momentum and investor confidence. Business Wire: Q4 & FY2025 Results
• Positive Sentiment: Board approved a higher quarterly dividend of $0.29 (3.6% increase vs prior quarter) — raises yield to ~3.6% and signals confidence in cash flow and capital position.
• Positive Sentiment: Management characterized the quarter/year as strong in company filings and analyst write-ups, reinforcing the beat and upward momentum. TipRanks: Strong Q4 & 2025 Results
• Neutral Sentiment: Earnings call transcript is available for details on credit trends, margins and capital; investors should review the call for guidance and management commentary. Seeking Alpha: Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Trading activity is elevated vs. average volume, and technicals show the stock sitting above its 200-day and near its 50-day moving averages — useful for short-term traders but not a fundamental driver.
• Negative Sentiment: Liquidity metrics (current ratio and quick ratio ~0.86) are below 1.0, which could concern some investors about short-term liquidity buffers despite profitability — monitor funding/deposit trends in the call transcript and filings.

About CPB

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.