Central Pacific Financial is a Hawaii bank with a perfect 4-for-4 earnings-beat streak and strong margins at a low multiple, but the price is 4.3% above the analyst target and the loan book is concentrated in Hawaii real estate.
Thesis pillars
- Hawaii Real Estate Concentration↓Deteriorating
- Strong Margins No Moat→Stable
- Perfect Earnings Beat Streak↑Improving
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Nov 1, 2026, based on the 10-K filed Feb 27, 2026
Central Pacific Financial Corp (CPF) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $37.98, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii.
Central Pacific Financial Corp. is the Hawaii-based holding company for Central Pacific Bank, the state's fourth-largest depository institution by deposit market share, operating 27 branches and 55 ATMs across Oahu, Maui, Hawaii Island, and Kauai. The bank's loan book is... Read more
Hold if already holding. Not a fresh buy at $37.98, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 85d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-11-02Recent Developments — Central Pacific Financial Corp
Latest news
- NEWS Central Pacific Financial (CPF) is a Top Dividend Stock Right Now: Should You Buy? - Yahoo Finance — Yahoo Finance positive
- NEWS Central Pacific Financial (CPF) is a Top Dividend Stock Right Now: Should You Buy? - finance.yahoo.com — finance.yahoo.com positive
- NEWS Is Central Pacific Financial (CPF) Cheap Following Results, A Dividend Rise And Buybacks? - Yahoo Finance — Yahoo Finance positive
- NEWS Is Central Pacific Financial (CPF) Cheap Following Results, A Dividend Rise And Buybacks? - finance.yahoo.com — finance.yahoo.com positive
- NEWS Central Pacific Financial Corp (CPF) Technical Analysis: Support, Resistance, Indicators & Moving Averages - TradingKey — TradingKey neutral
Generated 2026-11-02T11:38:32Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioreal estate-related loans80%10-K Item 1: 'Approximately 80% of our loan portfolio at December 31, 2025 consisted of real estate-related loans, including residential mortgage loans, home equity loans, commercial mortgage loans, and construction loans.'
- HIGHGeographicHawaii10-K Item 1: 'Our business activities are concentrated primarily in Hawaii.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $37.98, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $36.34 reached (−4.3%), stop $36.36 (−4.5%), A.R:R -0.5:1. Score 6.2/10, moderate confidence.
Analyst target $36.34 reached (−4.3% from $37.98); no take-profit level is published. Analyst target $36.34 reached (−4.3%), stop $36.36 (−4.5%), A.R:R -0.5:1. Stop-loss: $36.36.
Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii; Analyst target reached - limited upside remaining.
Central Pacific Financial Corp trades at a P/E of 11.5 (forward 10.3). TrendMatrix value score: 8.0/10. Verdict: Hold.
9 analysts cover CPF with a consensus score of 3.7/5. Average price target: $43.
What does Central Pacific Financial Corp do?Central Pacific Financial Corp. is the Hawaii-based holding company for Central Pacific Bank, the state's...
Central Pacific Financial Corp. is the Hawaii-based holding company for Central Pacific Bank, the state's fourth-largest depository institution by deposit market share, operating 27 branches and 55 ATMs across Oahu, Maui, Hawaii Island, and Kauai. The bank's loan book is concentrated in real estate, with approximately 80% of the portfolio in residential mortgage, home equity, commercial mortgage, and construction loans, and its business activities are concentrated primarily in Hawaii, tying results closely to the state's real estate and tourism-driven economy.