CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$36.97
0.69 (1.90%)
▲
5d:
+2.64%
30d:
+6.21%
90d:
+17.33%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 24, 2026
29d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CPF is fairly valued with market pricing in 2.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CPF is fairly valued with market pricing in 2.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$46.61
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$28.94
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $36.97, which is considered extended relative to its 30-day fair value range of $34.27 to $36.06. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (9.5). At these levels, the market is pricing in 2.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CPF is in a uptrend. The price is approaching resistance at $37.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CPF is in a uptrend. The price is approaching resistance at $37.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$34.27 -
$36.06
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($39.00)
- NEUTRAL: Market pricing in 2.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$34.27 -
$36.06
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$34.36
Resistance Level
$37.01
Current Trend
Uptrend
Technical data as of
Jun 17, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.37
Wall Street Target
$39.00
(+5.5%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
20.0%
Profit Margin
28.4%
Valuation Premium vs History
+2.9% premium
PE vs Historical
10.4 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.9%
(market-implied from PE analysis)
1-Year Target
$38.04
(+3%)
2-Year Target
$39.15
(+6%)
3-Year Target
$40.28
(+9%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$36.92
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 9.2%)
$101.11
(+174%)
Base:
(SPY PE: 10.4, Growth: 9.2%)
$48.12
(+30%)
Bear:
(PE: 8.8, Growth: 9.2%)
$40.90
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.13 | Current EPS (TTM): $2.99
Bull Case
$47.61
(+29%)
Analyst growth 19.3%, PE expands to 13.4
Base Case
$43.28
(+17%)
Market implied 19.3%, PE stable at 12.1
Bear Case
$24.67
(-33%)
Severe decline -20.0%, PE contracts to 10.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 11:01 PM ET
Data refreshes hourly during market hours. Next update: 12:01 AM
Data refreshes hourly during market hours. Next update: 12:01 AM
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Technical Signals Check
Is CPF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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