CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$39.68
0.28 (0.71%)
▲
5d:
+1.59%
30d:
+3.66%
90d:
+17.74%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CPF is fairly valued with market pricing in 4.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CPF is fairly valued with market pricing in 4.5% 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
$47.70
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$29.62
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 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $39.68, which is considered extended relative to its 30-day fair value range of $38.09 to $39.33. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.1) compared to its historical average (9.7). At these levels, the market is pricing in 4.5% 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 strong uptrend. The price is approaching resistance at $40.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. 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 strong uptrend. The price is approaching resistance at $40.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. 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
$38.09 -
$39.33
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($43.00)
- NEUTRAL: Market pricing in 4.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$38.09 -
$39.33
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$37.96
Resistance Level
$40.33
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.10
Wall Street Target
$43.00
(+8.4%)
Revenue Growth (YoY)
7.7%
Earnings Growth (YoY)
19.4%
Profit Margin
28.8%
Valuation Premium vs History
+4.5% premium
PE vs Historical
11.1 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.5%
(market-implied from PE analysis)
1-Year Target
$41.47
(+5%)
2-Year Target
$43.33
(+9%)
3-Year Target
$45.28
(+14%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$39.57
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 9.2%)
$96.62
(+144%)
Base:
(SPY PE: 11.1, Growth: 9.2%)
$51.73
(+30%)
Bear:
(PE: 9.4, Growth: 9.2%)
$43.97
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.67 | Current EPS (TTM): $3.11
Bull Case
$49.82
(+26%)
Analyst growth 15.0%, PE expands to 13.9
Base Case
$45.29
(+14%)
Market implied 15.0%, PE stable at 12.7
Bear Case
$26.79
(-33%)
Severe decline -20.0%, PE contracts to 10.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 04, 2026 5:56 AM ET
Data refreshes hourly during market hours. Next update: 6:56 AM
Data refreshes hourly during market hours. Next update: 6:56 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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