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↑Improving
- +2 more pillars — see the Why tab for full reasoning
Central Pacific Financial Corp (CPF) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $37.50, 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 $37.50, 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 5.8/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 67d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-08-21Recent 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 2026-08-23T00:51:55Z.
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.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
1 floor-breaker·1 ceiling hit
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $37.50, 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. Target $40.17 (+7.1%), stop $35.84 (−4.6%), A.R:R -0.5:1. Score 5.8/10, moderate confidence.
Take-profit target: $40.17 (-2.5% upside). Target $40.17 (+7.1%), stop $35.84 (−4.6%), A.R:R -0.5:1. Stop-loss: $35.84.
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 11.9 (forward 10.5). TrendMatrix value score: 7.9/10. Verdict: Hold.
8 analysts cover CPF with a consensus score of 3.8/5. 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.