CPF Stock Analysis: Buy, Sell, or Hold?
CPF - Central Pacific Financial Corporation
$38.28
-0.62 (-1.59%)
▼
5d:
+1.38%
30d:
+10.67%
90d:
+18.59%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 24, 2026
19d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CPF is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CPF is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$47.10
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$29.24
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 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CPF is currently trading at $38.28, which is considered extended relative to its 30-day fair value range of $34.68 to $37.44. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.7) compared to its historical average (9.6). At these levels, the market is pricing in 3.9% 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 approaching resistance at $37.01. 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 (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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. The price is approaching resistance at $37.01. 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 (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
Historical Trading Range
$34.68 -
$37.44
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($39.00)
- NEUTRAL: Market pricing in 3.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$34.68 -
$37.44
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$34.36
Resistance Level
$37.01
Current Trend
Uptrend
Technical data as of
Jun 17, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.73
Wall Street Target
$39.00
(+1.9%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
20.0%
Profit Margin
28.4%
Valuation Premium vs History
+3.9% premium
PE vs Historical
10.7 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.9%
(market-implied from PE analysis)
1-Year Target
$39.77
(+4%)
2-Year Target
$41.32
(+8%)
3-Year Target
$42.94
(+12%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$38.40
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 9.2%)
$101.11
(+164%)
Base:
(SPY PE: 10.7, Growth: 9.2%)
$49.82
(+30%)
Bear:
(PE: 9.1, Growth: 9.2%)
$42.35
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.01 | Current EPS (TTM): $2.99
Bull Case
$51.04
(+33%)
Analyst growth 19.3%, PE expands to 14.3
Base Case
$46.40
(+21%)
Market implied 19.3%, PE stable at 13.0
Bear Case
$26.45
(-31%)
Severe decline -20.0%, PE contracts to 11.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 11:20 PM ET
Data refreshes hourly during market hours. Next update: 12:20 AM
Data refreshes hourly during market hours. Next update: 12:20 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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