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CPF

Central Pacific FinancialC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The bull case is that CPF exits 2025 with visibly stronger profitability: fourth-quarter EPS was $0.85, NIM improved to 3.56%, efficiency improved, deposit costs fell, capital ratios remained strong, and the board added a fresh $55 million buyback plus a higher dividend [#8-K-2026-01-28]. If first-quarter 2026 confirms those trends, the stock can grind toward the mid-to-high $30s.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-27.
What can break
Credit quality remains controlled, but a small-bank earnings profile can change quickly if Hawaii commercial real estate or local business conditions weaken.
Momentum
57
Value
56
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $39.00 · Bear $29.00Analysis 2026-04-21; returns require an exact persisted reference.
Earnings
2026-10-27
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $41.75
Why
Momentum57 · Δ7d +2.8
Value56 · Δ7d -0.6
Sentiment49 · Δ7d -2.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-27.
  • • Value remains the lead driver in the composite, 7D delta -0.6.

Contradictions & invalidation

  • • Credit quality remains controlled, but a small-bank earnings profile can change quickly if Hawaii commercial real estate or local business conditions weaken.
  • • Loan balances were down sequentially in fourth-quarter 2025, so revenue growth still needs confirmation.
  • • The bear case is that this remains mostly a monitoring story rather than a clear growth story.

Catalyst clock

2026-10-27

April 29, 2026 first-quarter earnings check on NIM and funding durability

Lead driver: Value · See fundamentals
Momentum
57
8% active weight
Current posture
7d trendImproving
Δ7d
+2.8
Δ21d
+3.5
Value
56
47% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.0
Sentiment
49
45% active weight
Current posture
7d trendSoftening
Δ7d
-2.1
Δ21d
-11.3
Why this grade

Composite grade C. Momentum 56.5 / Value 55.8 / Sentiment 49.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-21. Scenario method

B+
Bull case
25%
Probability
Target price
$39.00
Analysis reference price unavailable
Analysis 2026-04-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-04-21 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$29.00
Analysis reference price unavailable
Analysis 2026-04-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$970.42M
Beta
0.95
Shares Out
25.75M
P/E (TTM)
12.9
P/S (TTM)
3.06
P/FCF (TTM)
12.19
Rev YoY
+2.4%
EPS YoY
+18.1%
Gross Margin
-
Op Margin
+27.9%
Net Debt
$13.9M
Current Ratio
0.12
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data