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CPF

Central Pacific FinancialC
NYSE / Banks
Last Price
At close
2026-07-21
View Chart
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 2026-07-23.
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
64
Value
55
Sentiment
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $39.00 · Bear $29.00
Earnings
2026-07-23
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $39.34
Why
Momentum64 · Δ7d -8.5
Value55 · Δ7d -0.4
Sentiment45 · Δ7d -2.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
64
26% active weight
Current posture
7d trendSoftening
Δ7d
-8.5
Δ21d
+9.3
Value
55
39% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-0.5
Sentiment
45
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.9
Δ21d
-5.6
Why this grade

Composite grade C. Momentum 64.0 / Value 55.1 / Sentiment 45.1

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$1.01B
Beta
0.95
Shares Out
26.1M
P/E (TTM)
12.9
P/S (TTM)
3.06
P/FCF (TTM)
12.19
Rev YoY
+0.4%
EPS YoY
+20.2%
Gross Margin
-
Op Margin
+30.4%
Net Debt
$13.9M
Current Ratio
0.13
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology