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CPFCentral Pacific Financial Corp Sell5.8·$38.28-1.59%
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Central Pacific Financial Corp (CPF) Stock Analysis

Breakout setup · Inst Constrain edge

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $38.28 — A.R:R is negative (-1.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.3% away).

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and... Read more

$38.28+0.4% A.UpsideScore 5.8/10#127 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.03%(5y avg 4.39%)Payout37.12%sustainable
Stop $36.38Target $38.42(resistance)A.R:R -1.3:1
Analyst target$39.00+1.9%2 analysts
$38.42our TP
$38.28price
$39.00mean
$37
$41

Sell if holding. Analyst target reached at $38.28 — A.R:R is negative (-1.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 67, MACD bullish. Score 5.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Fri, Jul 24, 202620d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.3% away)
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)12.8
P/E (Fwd)10.7
Mkt Cap$999M
EV/EBITDA
Profit Mgn28.4%
ROE14.0%
Rev Growth9.2%
Beta0.83
Dividend3.03%
Rating analysts7

Quality Signals

Piotroski F8/9

Options Flow

IV75%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.3=NEGATIVEMomentum 5.2<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.2>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 20d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
67 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $34.36Resistance $39.20

Price Targets

$36
$38
A.Upside+0.4%
A.R:R-1.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-13.4% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-24 (20d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CPF stock a buy right now?

Sell if holding. Analyst target reached at $38.28 — A.R:R is negative (-1.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 67, MACD bullish. Prior stop was $36.38. Score 5.8/10, moderate confidence.

What is the CPF stock price target?

Take-profit target: $38.42 (+0.4% upside). Prior stop was $36.38. Stop-loss: $36.38.

What are the risks of investing in CPF?

Analyst target reached - limited upside remaining; Near 52-week high (2.3% away); Consecutive earnings misses (2).

Is CPF overvalued or undervalued?

Central Pacific Financial Corp trades at a P/E of 12.8 (forward 10.7). TrendMatrix value score: 9.0/10. Verdict: Sell.

What do analysts say about CPF?

7 analysts cover CPF with a consensus score of 3.7/5. Average price target: $39.

What does Central Pacific Financial Corp do?Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of...

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. The company offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. It also provides various lending activities, such as commercial, industrial, commercial real estate, and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, the company offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, financial advisory, and estate planning services. Central Pacific Financial Corp. was founded in 1954 and is headquartered in Honolulu, Hawaii.

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