CPF

Central Pacific FinancialB

NYSE / Banks

At close

2026-06-03

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

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +8.0.

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

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $34.00 · Bull $39.00 · Bear $29.00

Data freshness

Prices

As of 2026-06-03

Fundamentals

As of 2026-06-02 • Vendor: Data Vendor v1

Scores

As of 2026-06-03 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-03

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $37.50

Why

Momentum55 · Δ7d -3.5

Value65 · Δ7d +8.0

Sentiment52 · Δ7d +2.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

34% active weight

Current posture

7d trendSoftening

Δ7d

-3.5

Δ21d

-1.7

Value

32% active weight

Current posture

7d trendImproving

Δ7d

+8.0

Δ21d

+7.9

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+2.3

Δ21d

+5.4

Why this grade

Composite grade B. Momentum 54.5 / Value 65.0 / Sentiment 51.9

Fundamentals (TTM)

As of 2026-06-02

Market Cap

$902.84M

Beta

0.95

Shares Out

26.83M

P/E (TTM)

12.9

P/S (TTM)

3.06

P/FCF (TTM)

12.19

Rev YoY

+2.6%

EPS YoY

+40.2%

Gross Margin

Op Margin

+30.4%

Net Debt

$28.57M

Current Ratio

As of 2026-06-03 • Updated nightlySource: Internal modelMethodology