CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$31.96
0.47 (1.49%)
▲
5d:
+0.5%
30d:
-0.96%
90d:
-0.16%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 22, 2026
20d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CPF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: CPF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.40
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$31.29
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $31.96, which is considered fair relative to its 30-day fair value range of $30.74 to $32.69. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (9.5). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This pessimistic expectation contrasts with the company's recent 103.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CPF is in a uptrend. The price is approaching resistance at $32.29. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $37.50 (+17.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CPF is in a uptrend. The price is approaching resistance at $32.29. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CPF has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $37.50 (+17.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$30.74 -
$32.69
Company Quality Score
58/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
78.8%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($37.50)
Fair Price Analysis
30-Day Fair Range
$30.74 -
$32.69
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$1.13
(3.6%)
Support & Resistance Levels
Support Level
$30.03
Resistance Level
$32.29
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.80
Wall Street Target
$37.50
(+17.3%)
Revenue Growth (YoY)
28.3%
Earnings Growth (YoY)
103.1%
Profit Margin
28.0%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
8.8 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$31.19
(-2%)
2-Year Target
$30.44
(-5%)
3-Year Target
$29.71
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$32.09
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 11.8%)
$113.46
(+255%)
Base:
(SPY PE: 8.8, Growth: 11.8%)
$44.65
(+40%)
Bear:
(PE: 7.5, Growth: 11.8%)
$37.96
(+19%)
📈
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: 10.67 | Current EPS (TTM): $2.86
Bull Case
$42.64
(+35%)
Analyst growth 27.0%, PE expands to 11.7
Base Case
$38.76
(+23%)
Market implied 27.0%, PE stable at 10.7
Bear Case
$20.75
(-34%)
Severe decline -20.0%, PE contracts to 9.1
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 8.8 to 9.5
Stabilization Target:
$34.52
(+8.0%)
PE Expansion Potential:
+8.0%
Share & Embed Analysis
Last updated: March 31, 2026 11:41 PM ET
Data refreshes hourly during market hours. Next update: 12:41 AM
Data refreshes hourly during market hours. Next update: 12:41 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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