Central Pacific Financial Corp (CPF) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.88
- Estimate
- $0.85
- Surprise
- +3.8%
- Revenue (period 2026-09-30)
- $12.4M
- Score today
- 6.1/10
Revenue source: xbrl.
How the report landed
Central Pacific Financial Corp (CPF) beat the $0.85 estimate with adjusted EPS of $0.88 — a clear 3.8% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates CPF Hold at 6.1/10; no pre/post engine snapshot brackets this report.
4 of the last 4 quarters beat the estimate; this quarter's +3.8% surprise compares with a +7.1% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Concentration risk — Loan Portfolio: real estate-related loans (80.0%)
- Concentration risk — Geographic: Hawaii
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $37.89
- Stop
- $36.39
At 11.5× trailing and 10.6× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
CPF at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $975.6M
- P/E (fwd)
- 10.6
- P/E (ttm)
- 11.5
- 52-week range
- $28.10–$40.99
- Off 52-week high
- 7.6%
- RSI (14)
- 69
- Volume vs avg
- 1.48×
- Score today
- 6.1/10