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As of September 9, 2026, Central Pacific Financial Corp. (CPF) trades at $37.40. CleaRank Financial AI rates it Hold with a fair value of $43.18, 15.5% above the current price. Wall Street's consensus target is $43.00 across 4 analysts. RSI at 53 is in neutral territory, and the price is below its 50-day average of $38.45.
Central Pacific Financial Corp (CPF)
Central Pacific Financial Corp NYSE
$37.40
-0.2900 (-0.77%)
At close: Sep 9, 4:00 PM EDT
AI Analyst Consensus
59 / 100
Central Pacific Financial Corp (CPF) is currently trading at $37.40, below its 50-day moving average of $38.45, indicating near-term weakness. The company's consensus rating is 'Hold' with a consensus score of 69, reflecting a balanced view among analysts. Insider transactions show a net seller position, with $723,857 in total sales versus no reported purchases, suggesting a degree of caution from management. The fair value estimate stands at $43.18, offering a potential upside of 15.5% from the current price.
CPF Price Analysis
Market Metrics
Open
$37.46
Day Range
$37.18 to $37.80
Prev Close
$37.69
Volume
4.4K
52-Week Range
$27.38 to $40.99
Market Cap
$970.42M
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (-0.00849% difference), suggesting fair market pricing relative to industry standards.
CPF Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, CPF beat estimates 5 times. The stock rose 3 times the next day. Price tends to react positively to beats.
CPF Analysis
Company's Health
3/5
12-Month Analyst Target
+14.97% Upside
Median of 4 analysts (12-month)
$43.00
AI Technical Analysis
Volume behavior for Central Pacific Financial Corp has been notably subdued, with the latest volume of 4434 significantly below the average of 114153, representing a 96.1% decrease. The stock is currently trading below its 50-day SMA and 20-day EMA, suggesting downward momentum. The RSI is neutral at 53.35, indicating neither overbought nor oversold conditions. Key support is seen around the 200-day SMA at $34.41, while resistance lies near the 50-day SMA at $38.45.
ProTips
- Monitor insider activity closely; the current moderate sell signal warrants attention, especially if it continues without offsetting purchases.
- The stock's position below its 50-day and 20-day moving averages suggests caution for short-term traders, with the 200-day SMA at $34.41 serving as a key support level.
- Given the moderate revenue growth projections, focus on the company's efficiency and cost management to sustain profitability.
Key Catalysts
Bullish
Positive Earnings Surprises
Central Pacific Financial Corp has demonstrated a pattern of beating EPS estimates, as seen in the latest quarter's 2.56% beat, which can positively influence investor sentiment and stock price.
Source: Earnings ReportsBearish
Moderate Insider Selling Signal
Insiders have sold $723,857 worth of stock with no reported purchases, indicating a 'Moderate Sell Signal' which may suggest a lack of strong conviction from management.
Source: Insider TransactionsNeutral
Trading Below Key Moving Averages
The stock is currently trading below its 50-day SMA ($38.45) and 20-day EMA ($37.87), indicating potential near-term weakness and a need for a catalyst to regain upward momentum.
Source: Technical AnalysisBullish
Analyst Price Target Upside
The median analyst price target of $43.00 offers a potential upside of 15.0% from the current stock price of $37.40.
Source: Wall Street AnalystsMarket Outlook
The base case outlook for Central Pacific Financial Corp suggests a potential move towards its fair value of $43.18 over the next 6-12 months, representing a 15.5% upside from the current price. This is supported by a median analyst price target of $43.00. The company's ability to consistently meet or exceed earnings estimates provides a foundation for potential growth, although the pace of revenue expansion remains moderate.
Key Statistics
| Market Cap | 970.42M |
|---|---|
| P/E Ratio | 12.12 |
| EPS (TTM) | 3.11 |
| Dividend Yield | 3.10% |
| 52 Week High | 40.99 |
| 52 Week Low | 27.38 |
Central Pacific Financial Corp exhibits a P/E ratio of 12.12, which aligns with the sector average of 12.12, suggesting fair valuation relative to peers. Earnings per share (EPS) for the trailing twelve months stand at $3.11. Revenue growth has been reported at 7.7%, indicating moderate expansion. The company's balance sheet strength is not detailed, but the P/E ratio suggests that investors are not paying a significant premium for its earnings.
Earnings & Growth Analysis
Central Pacific Financial Corp's recent earnings reports show mixed performance. The latest quarter ending July 24, 2026, reported an EPS of $0.80, beating the estimate of $0.78 by 2.56% and resulting in a 1.06% price increase. However, the prior quarter ending May 27, 2026, saw a larger EPS beat of 14.84% ($1.47 actual vs $1.28 estimate), yet the stock price declined by 0.29%. The company has demonstrated an ability to meet or exceed earnings expectations in most recent quarters.
Key Risks
A primary risk for Central Pacific Financial Corp is the moderate sell signal from insider transactions, with significant sales occurring without corresponding purchases. The stock's current trading position below its 50-day moving average also signals potential near-term downside. Also, the limited revenue growth of 3.00% for the current quarter suggests a need for stronger expansion to drive future stock performance.
Technical Indicators
| RSI (14) | 53.35 |
|---|---|
| MACD | -0.23 |
| SMA 50 | 38.45 |
| SMA 200 | 34.41 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($38.45) above the 200-day SMA ($34.41), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.41
Moderate correlation
Nasdaq 100 (QQQ)
+0.30
Weak correlation
Bitcoin (BTC)
+0.06
Weak correlation
Gold (XAU)
-0.07
Weak correlation
Check Custom Correlation
Calculating correlation...
CPF Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies (click to switch)
CONSERVATIVE
$37.03
Slight discount to current
Wait for small dip
AGGRESSIVE
$37.40
At current price
Enter now if confident
Risk Management
STOP LOSS
$35.92
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (53.4) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$38.14
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$38.88
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$39.99
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for CPF is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 9, 2026.Growth of $10,000
A $10,000 investment in CPF in September 2016 would be worth about $14,821 today, compared with about $35,913 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in CPF today could grow to about $17,037 by 2036 in the base case, with a bull case near $69,390 and a bear case around $4,183. Projections are statistical simulations, not guarantees.
CPF Stock Price Prediction: 2030
CleaRank's simulation projects a price near $46.28 for CPF by 2030 in the base case, from $37.40 today (1.2x over 4 years). The downside path ends near $19.04. These are outcomes of a Monte Carlo simulation run on CPF's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $25.30 | $39.45 | $61.50 |
| 2028 | $22.20 | $41.61 | $77.97 |
| 2029 | $20.33 | $43.88 | $94.70 |
| 2030 | $19.04 | $46.28 | $113 |
| 2031 | $18.08 | $48.82 | $132 |
| 2032 | $17.35 | $51.49 | $153 |
| 2033 | $16.77 | $54.31 | $176 |
| 2034 | $16.31 | $57.28 | $201 |
| 2035 | $15.94 | $60.41 | $229 |
| 2036 | $15.64 | $63.72 | $260 |
Method: 10,000 simulated price paths using CPF's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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CPF Insider Trading Analysis
Bought
None
No open-market buys
Sold
$723.9K
9 Transactions
Insiders
12
Active Traders
Avg Transaction
$80.4K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Apr 24, 2019 | DEAN JOHN C
Director
|
Sell | 19.8K | $602.4K |
| Feb 28, 2022 | NGO AGNES CATHERINE
President
|
Sell | 11.5K | $333.7K |
| Apr 24, 2019 | DEAN JOHN C
Director
|
Sell | 10.0K | $304.3K |
| Apr 12, 2019 | DEAN JOHN C
Director
|
Sell | 10.0K | $300.4K |
| Feb 15, 2019 | DEAN JOHN C
Director
|
Sell | 7.5K | $224.7K |
| Nov 11, 2019 | DEAN JOHN C
Director
|
Sell | 6.7K | $200.7K |
| Dec 6, 2019 | DEAN JOHN C
Director
|
Sell | 6.7K | $197.3K |
| Dec 11, 2019 | DEAN JOHN C
Director
|
Sell | 6.6K | $192.4K |
| Feb 28, 2022 | NGO AGNES CATHERINE
President
|
Sell | 6.1K | $179.1K |
| Apr 24, 2019 | DEAN JOHN C
Director
|
Sell | 5.4K | $166.1K |
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Frequently Asked Questions
What is Central Pacific Financial Corp's stock forecast for 2030?
Central Pacific Financial Corp's stock is projected to reach a base case price of $46.28 by 2030, according to Monte Carlo simulations. The downside scenario suggests a price of $19.04, while the upside scenario indicates a potential of $112.50.
Is Central Pacific Financial Corp stock a buy right now?
Central Pacific Financial Corp is currently rated a 'Hold' by Wall Street analysts, with a consensus score of 69. While the fair value is estimated at $43.18, offering a 15.5% upside, insider selling and trading below the 50-day SMA suggest caution.
What is the consensus rating for Central Pacific Financial Corp?
The consensus rating for Central Pacific Financial Corp is 'Hold', supported by a consensus score of 69 out of 100. This reflects a balanced view among the four Wall Street analysts covering the stock.
What are the key risks facing Central Pacific Financial Corp?
Key risks include moderate insider selling, with $723,857 in sales and no reported purchases, and the stock trading below its 50-day moving average. Additionally, current quarter revenue growth is projected at only 3.00%.
How does Central Pacific Financial Corp's valuation compare to its sector?
Central Pacific Financial Corp's P/E ratio of 12.12 is in line with the sector average of 12.12, indicating a fair valuation relative to its peers in the Financial Services industry.
What was Central Pacific Financial Corp's most recent earnings performance?
In the most recent quarter ending July 24, 2026, Central Pacific Financial Corp reported EPS of $0.80, beating estimates by 2.56% and leading to a 1.06% stock price increase.
What is the outlook for Central Pacific Financial Corp's revenue growth?
Revenue growth is projected at 3.00% for the current quarter and 2.00% for the next quarter. For the current year, revenue growth is estimated at 4.00%, with similar growth anticipated for the next year.