Central Pacific Financial (CPF) Stock: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$37.70
-0.07 (-0.19%)
▼
5d:
+3.34%
30d:
+2.33%
90d:
-3.48%
HOLD
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 28, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CPF is fairly valued with market pricing in 2.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CPF is fairly valued with market pricing in 2.0% 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
$49.31
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$30.62
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 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $37.70, which is considered extended relative to its 30-day fair value range of $35.89 to $37.28. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (9.9). At these levels, the market is pricing in 2.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CPF is showing sideways momentum. The price is approaching resistance at $37.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $41.75 (+10.5%). 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 showing sideways momentum. The price is approaching resistance at $37.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $41.75 (+10.5%). 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
$35.89 -
$37.28
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
27.1%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($41.75)
- NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$35.89 -
$37.28
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$34.80
Resistance Level
$37.95
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.53
Wall Street Target
$41.75
(+10.5%)
Revenue Growth (YoY)
7.7%
Earnings Growth (YoY)
19.4%
Profit Margin
28.8%
Valuation Premium vs History
+2.0% premium
PE vs Historical
10.5 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$38.53
(+2%)
2-Year Target
$39.30
(+4%)
3-Year Target
$40.08
(+6%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$37.70
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 9.6%)
$93.79
(+148%)
Base:
(SPY PE: 10.5, Growth: 9.6%)
$49.71
(+32%)
Bear:
(PE: 8.9, Growth: 9.6%)
$42.26
(+12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.81 | Current EPS (TTM): $3.12
Bull Case
$46.63
(+24%)
Analyst growth 15.0%, PE expands to 13.0
Base Case
$42.39
(+12%)
Market implied 15.0%, PE stable at 11.8
Bear Case
$25.06
(-34%)
Severe decline -20.0%, PE contracts to 10.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 11:45 AM ET
Data refreshes hourly during market hours. Next update: 12:45 PM
Data refreshes hourly during market hours. Next update: 12:45 PM
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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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