Stock·NYSE·Financial Services
Central Pacific Financial Corp. (CPF)
- Market cap
- $937.72M
- P/E
- 11.57
- Dividend yield
- 3.19%
- Street target
- $42.50median of 5 analysts
- 52-week range
- $28.10 $40.99
The short version
Where CPF stands today, in four lines, and what CleaRank Financial AI makes of it.
CPF at a glance
Central Pacific Financial Corp. (CPF): Buy, 67/100 on CleaRank's AI score.
- Trend Mixed: the price is above its 200-day but below its 50-day moving average ($35.12 and $37.21).
- Earnings CPF beat estimates in 4 of its last 7 quarters, yet fell the next day after 2 of those beats.
- Insiders Insiders sold $724K and made no open-market purchases over the last 18 months.
- Valuation P/E of 11.6 against 16.5 for the Financial Services sector: a discount to peers (-30%).
Figures as of October 16, 2026.
CleaRank Financial AI
CleaRank rates Central Pacific Financial Corp. (CPF) Buy, with a model score of 67/100.
The trend lifts the score most: the price is 3.71% above its 200-day average, and the 50-day average is 5.95% above the 200-day. Momentum holds it back most: the MACD line is negative. The 50-day average stands at $37.21 and the 200-day at $35.12. Over the past year the price rose 32.00%.
Only on CleaRank
Figures we compute ourselves from CPF's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
3/4Price above its 50-day average ›
The price of $36.42 is 2.1% below the 50-day simple moving average of $37.21.Price above its 200-day average ›
The price is 3.7% above the 200-day simple moving average of $35.12.50-day average above the 200-day ›
The 50-day average ($37.21) is 5.9% above the 200-day average ($35.12), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 65% of its 52-week range, between $28.10 and $40.99.
CPF share price
Pick a period: each tab shows how far CPF has moved over it, to the last close.
Today's trading
Where CPF sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 11.57 is 29.9% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 3.23 is 15.1% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $83.0M on revenue of $288.2M, a net margin of 28.8%.Beat estimates in most recent reports ›
CPF beat the EPS estimate in 4 of its last 7 reports.Pays a dividend ›
The trailing dividend yield is 3.19%, or $1.16 a share a year.
Key statistics
The headline figures for CPF.
As of October 16, 2026, CPF trades at $36.42, with a market value of $937.72M, a P/E ratio of 11.57 and a dividend yield of 3.19%.
What the numbers say
CleaRank Financial AI's reading of CPF's valuation, growth and risks.
Central Pacific Financial Corp. (CPF)'s trailing P/E of 11.57 compares with a Financial Services median of 16.5, 29.9% below it, which the Peer Benchmarking card reads as a discount to peers. On sales, the P/S of 3.23 compares with a sector median of 3.8, 15.0% below it.
In the latest year revenue grew 7.70%, 4.0 percentage points slower than the sector median of 11.7%. CPF turns sales into profit at a net margin of 28.80% and an operating margin of 36.80%, alongside a return on equity of 14.25%, above the sector median of 13.8%. Debt-to-equity of 0.00 and a trailing dividend yield of 3.19% ($1.16 a share a year) round out the fundamentals.
Earnings for the July 24, 2026 report came in ahead of forecasts, with EPS of $0.8 against an analyst estimate of $0.78, a beat of 2.56%. The share price moved up 1.06% in the following session.
CPF has beaten the EPS estimate in 4 of its last 7 reports, but the share price still dropped in the next session after 2 of those 4 beats. Analysts forecast EPS of $3.27 for this fiscal year, a rise of 12.5%, and $3.58 for the year after, a rise of 9.3%.
On a typical day the price of CPF shifts by 0.97%, the 30-day standard deviation of its daily returns.
CPF against the Financial Services sector
How CPF compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: CPF trades at a notable discount to sector peers (-30%), which may indicate undervaluation or specific company headwinds.
Return vs XLF: Since May 6, 2025, CPF has gained 36.8% against a gain of 12.5% for XLF.
Performance against XLF
CPF and the Financial Services sector fund over the same days.
Revenue and earnings
How much CPF sells, and how much of it becomes profit.
Revenue growth: Revenue grew 17.2% in FY2025 to $289M, from $246M a year earlier.
Profit margin: The net margin was 26.9% in FY2025, up from 21.7% the year before.
Profitable: CPF earned $77.5M in FY2025.
Earnings reality check
Did CPF beat what analysts expected, and how did the stock react?
Earnings record: CPF beat the analyst estimate in 4 of the last 7 quarters.
Market reaction: The stock fell in the first session after 2 of those 4 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Jul 24, 2026after close | $0.78 | $0.80 | +2.56% | +1.06% | +1.94% |
| Jan 28, 2026after close | $0.73 | $0.85 | +16.44% | -0.06% | +6.12% |
| Oct 29, 2025after close | $0.74 | $0.73 | -1.35% | +2.61% | +3.11% |
| Jul 25, 2025after close | $0.70 | $0.67 | -4.29% | -1.01% | -5.36% |
| Apr 23, 2025after close | $0.63 | $0.65 | +3.17% | -2.27% | -2.65% |
| Jan 29, 2025after close | $0.62 | $0.70 | +12.90% | +5.14% | +9.32% |
| Oct 30, 2024after close | $0.56 | $0.49 | -12.50% | +0.67% | +16.70% |
As of October 16, 2026, CPF has beaten the analyst EPS estimate in 4 of its last 7 reported quarters and fell in the first trading session after 2 of those beats; its latest report, on July 24, 2026, came in 2.56% above the estimate and the stock moved +1.06% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 49.2, in neutral territory.RSI above 50 ›
An RSI of 49.2 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of CPF
The score, the reasoning behind it, and what could move the price next.
CPF is trading in the middle of its moving averages. At $36.42, the stock sits 3.71% above its 200-day average of $35.12 but 2.11% below its 50-day average of $37.21. That 50-day average is 5.95% higher than the 200-day. Within the 52-week range, which runs from $27.75 up to $40.99, today's price is at 65%.
The recent dip sits inside a longer record that still looks stronger. Over the past month the price slipped 3.01%, and over the past three months it fell 6.83%, yet across the past year it climbed 32.00%. Momentum is quiet for now: the 14-day RSI stands at 49.2, in the neutral zone, and the MACD line is negative.
Earnings beat ›
The July 24, 2026 report beat the EPS estimate by 2.56%, and the share price rose 1.06% in the first session after it.
Source: Earnings report, July 24, 2026New analyst coverage ›
Benchmark started coverage at Buy on July 9, 2026.
Source: Analyst action, Benchmark, July 9, 2026
New analyst coverage ›
Hovde Group started coverage at Market Perform on October 2, 2026.
Source: Analyst action, Hovde Group, October 2, 2026
- The two closest levels matter most: the 50-day SMA at $37.21 sits above the price, and the 20-day EMA at $36.29 sits below it.
- The 14-day RSI is 49.2, which is neutral, and the MACD line is negative. Readings above 70 or below 30 would point to stretched momentum.
- CPF's share price rose 1.06% in the first session after the July 24, 2026 report. Across the last 7 reports, CPF has beaten estimates in 4.
The trend is mixed: CPF is above its 200-day average at $35.12 but below its 50-day average at $37.21. A close above the 50-day would turn both signals up, and a close below the 200-day would turn both down. In the meantime the price sits between the 20-day EMA ($36.29) underneath and the 50-day SMA ($37.21) overhead.
Technical indicators
Momentum and trend for CPF, from its daily closes.
As of October 16, 2026, with CPF at $36.42, its 14-day RSI is 49.2 (neutral territory), its 50-day simple moving average is $37.21 and its 200-day is $35.12.
Calculated by CleaRank on daily closes as of October 16, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What CPF moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 16, 2026, CPF's 1-year correlation of daily returns is +0.41 with S&P 500 (SPY), +0.30 with Nasdaq 100 (QQQ), +0.05 with Bitcoin (BTC) and -0.06 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
1/2Most analysts rate it a buy ›
2 of 5 analysts rate it a buy or strong buy, 3 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $42.50 is 16.7% above the price.
CPF Wall Street View
12-month price targets
The price, $36.42, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 2, 2026 | Hovde Group | Initiates | Market Perform |
| Jul 27, 2026 | Evercore ISI Group | Maintains | Market Perform |
| Jul 9, 2026 | Benchmark | Initiates | Buy |
As of October 16, 2026, 5 Wall Street analysts cover CPF: 2 rate it a buy or strong buy, 3 a hold and 0 a sell or strong sell. Their 12-month price targets range from $38.00 to $44.00, with a median of $42.50, 16.7% above the price of $36.42.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
CPF trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Long entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from CPF's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much CPF tends to move, against the market and on its own.
The long record
CPF's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
2/4Average daily move under 2% ›
The price has moved 0.97% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 56.5%, from October 2017 to September 2020, regained by November 2021.Most 1-year holds ended higher ›
55% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $21,463, against $42,525 in the S&P 500 (SPY).
CPF Drawdowns & Recovery
As of October 16, 2026, CPF's worst peak-to-trough fall over the last 10 years with dividends reinvested was -56.5% (October 2017 to September 2020); it regained that peak by November 2021, 14 months after the low, and 55% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into CPF in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: CPF trailed the S&P 500 over this period: $21,463 against $42,525.
A $10,000 investment in CPF in October 2016 would be worth about $21,463 today with dividends reinvested, compared with about $42,525 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to CPF, and which have not.
Strongest month, November: an average of +8.76%, up in 9 of 10 years.
Weakest month, March: an average of -6.28%, up in 2 of 10 years.
This month, October: has averaged -0.53%, up in 3 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, CPF's strongest calendar month has been November (average +8.76%, up in 9 of 10 years) and its weakest March (average -6.28%, up in 2 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in CPF, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in CPF today could grow to about $16,586 by 2036 in the base case, with a 90th-percentile outcome near $67,448 and a 10th-percentile outcome around $4,078. The simulation models price only; at today's 3.19% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
CPF Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $44.59 for CPF by 2030 in the base case, from $36.42 today (1.2x over 4 years). The 10th-percentile path ends near $18.36. 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 | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $24.58 | $38.31 | $59.70 | |
| 2028 | $21.52 | $40.30 | $75.47 | |
| 2029 | $19.66 | $42.39 | $91.40 | |
| 2030 | $18.36 | $44.59 | $108 | |
| 2031 | $17.39 | $46.90 | $126 |
Method: a lognormal simulation of CPF's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
CPF insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: No insider bought CPF shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.
As of October 16, 2026, CPF insiders reported 9 open-market sales worth $724K and no open-market purchases over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 7, 2026 | Arnold D. Martines
Chief Executive Officer
|
Grant | 2.8K | - |
| May 15, 2026 | Jason Fujimoto
Director
|
Grant | 1.9K | $62.5K |
| May 15, 2026 | Jonathan B. Kindred
Director
|
Grant | 2.2K | $75.0K |
| May 15, 2026 | Paul J Kosasa
Director
|
Grant | 1.9K | $62.5K |
| May 15, 2026 | Christopher T Lutes
Director
|
Grant | 2.1K | $70.0K |
| May 15, 2026 | Robert K. W. H. Nobriga
Director
|
Grant | 2.3K | $77.5K |
| May 15, 2026 | Diane S.l. Paloma
Director
|
Grant | 2.1K | $70.0K |
| Feb 17, 2026 | Arnold D. Martines
Chief Executive Officer
|
Grant | 13.4K | - |
| Feb 17, 2026 | Arnold D. Martines
Chief Executive Officer
|
Grant | 11.6K | - |
| Feb 17, 2026 | Dayna N Matsumoto
Chief Financial Officer
|
Grant | 3.0K | - |
| Feb 17, 2026 | Dayna N Matsumoto
Chief Financial Officer
|
Grant | 1.1K | - |
| Feb 17, 2026 | Ralph M Mesick
Officer
|
Grant | 4.5K | - |
| Feb 17, 2026 | David S Morimoto
Chief Operating Officer
|
Grant | 5.9K | - |
| Feb 17, 2026 | David S Morimoto
Chief Operating Officer
|
Grant | 7.7K | - |
| Sep 12, 2025 | Agnes Catherine Ngo
Director
|
Sell | 3.3K | $102.2K |
| Sep 3, 2025 | Agnes Catherine Ngo
Director
|
Grant | 1.6K | - |
| Aug 14, 2025 | Paul J Kosasa
Director
|
Sell | 923 | $26.4K |
| Aug 12, 2025 | Agnes Catherine Ngo
Director
|
Sell | 3.3K | $92.9K |
| Aug 1, 2025 | Paul K Yonamine
Director
|
Sell | 2.8K | $72.6K |
| Jul 31, 2025 | Arnold D. Martines
Chief Executive Officer
|
Grant | 4.0K | - |
| Jul 14, 2025 | Agnes Catherine Ngo
Director
|
Sell | 3.3K | $97.3K |
| Jul 1, 2025 | Paul K Yonamine
Director
|
Sell | 2.8K | $77.4K |
| Jun 12, 2025 | Agnes Catherine Ngo
Director
|
Sell | 3.3K | $90.0K |
| Jun 5, 2025 | Paul K Yonamine
Director
|
Sell | 2.8K | $72.7K |
| May 15, 2025 | Jason Fujimoto
Director
|
Grant | 2.3K | $62.5K |
| May 15, 2025 | Jonathan B. Kindred
Director
|
Grant | 2.7K | $75.0K |
| May 15, 2025 | Paul J Kosasa
Director
|
Grant | 2.5K | $70.0K |
| May 15, 2025 | Christopher T Lutes
Director
|
Grant | 2.3K | $62.5K |
| May 15, 2025 | Agnes Catherine Ngo
Director
|
Grant | 2.5K | $70.0K |
| May 15, 2025 | Robert K. W. H. Nobriga
Director
|
Grant | 2.3K | $62.5K |
| May 15, 2025 | Diane S.l. Paloma
Director
|
Grant | 2.3K | $62.5K |
| May 15, 2025 | Paul K Yonamine
Director
|
Grant | 2.3K | $62.5K |
| May 12, 2025 | Agnes Catherine Ngo
Director
|
Sell | 3.3K | $92.3K |
| Apr 29, 2025 | Agnes Catherine Ngo
Director
|
Grant | 898 | $23.3K |
| Apr 29, 2025 | Paul K Yonamine
Director
|
Grant | 826 | $21.5K |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 16, 2026.