CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$33.65
-0.53 (-1.55%)
▼
5d:
-3.28%
30d:
-1.49%
90d:
-1.29%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 24, 2026
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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 slightly low pricing.
✅ BUY SIGNAL: CPF shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$46.12
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$28.63
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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $33.65, which is considered slightly low relative to its 30-day fair value range of $33.56 to $34.59. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (9.4). At these levels, the market is pricing in -0.0% 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 uptrend. The price is currently testing key support at $33.30. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $39.00 (+15.9%). 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 currently testing key support at $33.30. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $39.00 (+15.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$33.56 -
$34.59
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($39.00)
- NEUTRAL: Market pricing in -0.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$33.56 -
$34.59
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$33.31
Resistance Level
$35.03
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.43
Wall Street Target
$39.00
(+15.9%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
20.0%
Profit Margin
28.4%
PE vs Historical
9.4 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
0%
(market-implied from PE analysis)
1-Year Target
$33.65
(0%)
2-Year Target
$33.65
(0%)
3-Year Target
$33.65
(0%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$33.53
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 9.2%)
$102.46
(+205%)
Base:
(SPY PE: 9.4, Growth: 9.2%)
$43.80
(+30%)
Bear:
(PE: 8.0, Growth: 9.2%)
$37.23
(+11%)
📈
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: 11.43 | Current EPS (TTM): $2.99
Bull Case
$44.85
(+33%)
Analyst growth 19.3%, PE expands to 12.6
Base Case
$40.77
(+21%)
Market implied 19.3%, PE stable at 11.4
Bear Case
$23.24
(-31%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 16, 2026 3:34 AM ET
Data refreshes hourly during market hours. Next update: 4:34 AM
Data refreshes hourly during market hours. Next update: 4:34 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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