Central Pacific Financial screens attractively valued with strong margins and a technical breakout, but the analyst target has already been reached near a 52-week high, a negative news-driven modifier has downgraded the stance to sell-if-holding, and the bear case's consecutive-miss flag sits in tension with two recent earnings beats, keeping conviction and position sizing at essentially zero.
Thesis pillars
- Strong Margin Quality Profile→Stable
- Attractive Valuation→Stable
- Target Reached Negative Asymmetry↓Deteriorating
- +2 more pillars — see the Why tab for full reasoning
Central Pacific Financial Corp (CPF) Stock Analysis
Range Bound setup · Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $38.65, 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 $38.65, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii. Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-07-25Recent Developments — Central Pacific Financial Corp
Latest news
- NEWS Fitch Affirms Central Pacific Financial at 'BBB-?'?; Outlook Stable - marketscreener.com — marketscreener.com neutral
- NEWS Central Pacific Financial (NYSE:CPF) Faces A Valuation Puzzle - Kalkine Media — Kalkine Media neutral
- NEWS Earnings Preview: CPF to Report Financial Results Pre-market on July 24 - 富途牛牛 — 富途牛牛 neutral
- NEWS Central Pacific Financial earnings up next: Can margins hold? By Investing.com - Investing.com Canada — Investing.com Canada neutral
- NEWS Central Pacific Financial earnings up next: Can margins hold? By Investing.com - Investing.com Australia — Investing.com Australia neutral
Generated 2026-07-25T14:12:24Z.
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.
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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 $38.65, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate-related loans (80.0%); Concentration risk — Geographic: Hawaii. Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $39.26 (+1.6%), stop $36.75 (−5.2%), A.R:R -1.7:1. Score 6.0/10, moderate confidence.
Take-profit target: $39.26 (-8.4% upside). Target $39.26 (+1.6%), stop $36.75 (−5.2%), A.R:R -1.7:1. Stop-loss: $36.75.
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 12.9 (forward 10.8). TrendMatrix value score: 7.8/10. Verdict: Hold.
7 analysts cover CPF with a consensus score of 3.7/5. Average price target: $42.
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.