CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$32.57
0.73 (2.29%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CPF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CPF shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.30
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$31.23
Trading above fair value
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 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $32.57, which is considered extended relative to its 30-day fair value range of $31.28 to $32.32. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (10.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.1% over the next few years. This pessimistic expectation contrasts with the company's recent 40.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CPF is in a uptrend. Immediate support is located at $31.05, while resistance sits at $34.67.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $35.50 (+11.5%). 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 in a uptrend. Immediate support is located at $31.05, while resistance sits at $34.67.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $35.50 (+11.5%). 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
Fair Price Range
$31.28 -
$32.32
Company Quality Score
59/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
52.7%
Protect Your Profits
Holding CPF? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($35.50)
Fair Price Analysis
30-Day Fair Range
$31.28 -
$32.32
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$1.37
(4.2%)
Support & Resistance Levels
Support Level
$31.05
Resistance Level
$34.67
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.10
Wall Street Target
$35.50
(+11.5%)
Revenue Growth (YoY)
10.9%
Earnings Growth (YoY)
40.6%
Profit Margin
25.3%
Valuation Discount vs History
-3.1% cheaper
PE vs Historical
9.1 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.1%
(market-implied from PE analysis)
1-Year Target
$30.85
(-3%)
2-Year Target
$29.90
(-6%)
3-Year Target
$28.97
(-9%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$31.84
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 11.1%)
$107.06
(+236%)
Base:
(SPY PE: 9.1, Growth: 11.1%)
$43.68
(+37%)
Bear:
(PE: 7.7, Growth: 11.1%)
$37.12
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.14 | Current EPS (TTM): $2.86
Bull Case
$42.89
(+32%)
Analyst growth 22.4%, PE expands to 12.3
Base Case
$38.99
(+20%)
Market implied 22.4%, PE stable at 11.1
Bear Case
$21.66
(-34%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 10.0
Stabilization Target:
$35.00
(+9.9%)
PE Expansion Potential:
+9.9%
Last updated: January 31, 2026 3:46 AM ET
Data refreshes hourly during market hours. Next update: 4:46 AM
Data refreshes hourly during market hours. Next update: 4:46 AM
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Technical Signals Check
Is CPF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Agnes Catherine Ngo
SELL
3333 shares
2025-09-12
Paul Kosasa
SELL
923 shares
2025-08-14
Agnes Catherine Ngo
SELL
3333 shares
2025-08-12
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Advanced CPF Option Strategies
Professional options setups generated by AI based on today's CPF price and gamma walls.
