Lumida
/CPF
⌘K
Central Pacific Financial Corp

Central Pacific Financial Corp

CPF
$39.09USD↓-2.20%-0.88 today

MARKET CAP

1.0B

P/E (TTM)

12.9x

FWD P/E

11.4x

DAY RANGE

$39 – $40

52W RANGE

$26
$40

AI Summary

Stalk
Buy NowMedium

CPF remains in a high-confidence Stage 2 uptrend with persistent higher highs and higher lows and a rising EMA regime. An active Lockout Rally signals institutional urgency and supports further upside despite extreme overbought conditions. The recent pullback into the rising 9-day and 20-day EMA zone offers a structurally favorable entry. We recommend Buy Now to participate in continued upside momentum under forced-participation dynamics.

  • ↑Q1 net income up 20% YoY to $20.7M, EPS $0.78.
  • ↑Declared $0.29 dividend and executed $10.5M share buybacks.
  • ↓Negative growth and earnings revision trends suggest revenue headwinds.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Central Pacific Financial Corp (NASDAQ: CPF) operates primarily in the Hawaiian banking sector, providing a comprehensive range of financial products and services, including commercial and consumer banking, loans, and investment services. The company is known for its relationship-oriented banking model, emphasizing support for local businesses and a commitment to economic resilience in Hawaii. Central Pacific is strategically placed in a recovering market, leveraging opportunities in the tourism and construction sectors while expanding its footprint through strategic alliances.

Bull says

  • ↑Q1 net income up 20% YoY to $20.7M, EPS $0.78.
  • ↑Declared $0.29 dividend and executed $10.5M share buybacks.
  • ↑Non-performing assets at 0.19% of loans, underscoring credit strength.
  • ↑Q1 net interest income $61.4M, NIM 3.53%; guiding NII +4–6% in 2026.
  • ↑High earnings yield, book-to-price ~1.0; positive momentum; low leverage and volatility.
  • ↑Positioned to benefit from Hawaii tourism and construction rebound.

Bear says

  • ↓Negative growth and earnings revision trends suggest revenue headwinds.
  • ↓Competitive market compresses spreads, threatening net interest margins.
  • ↓Tourism softness risk could curb loan demand and impair asset quality.
  • ↓Smaller size versus peers limits scale and pressure profitability.
  • ↓Analyst target of $11.59 implies ~68% downside potential.
  • ↓Moderate returns and low institutional ownership reflect tepid sentiment.

Investment themes with CPF

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-04-2026bullish

Transcript signals

Bull points

  • We continue to operate within risk appetite, and the credit profile of the bank is unchanged at quarter end.
  • Our credit metrics stayed near cycle lows during the first quarter.
  • Provision expense for the quarter was $2.4 million, and we added $2.7 million to the allowance, while the reserve for unfunded commitments declined by $300,000.

Bear points

  • So that's some of the factors we're considering.
  • Average loan portfolio yield in the first quarter was 4.93% compared to 4.99% in the prior quarter. The yield decline was primarily due to the impact of the fourth quarter Fed rate cuts on repricing and new loan yields.
  • Total other operating income was $11.6 million and declined from the prior quarter by $2.6 million. The decline was primarily driven by higher incentive accruals in the prior quarter and lower deferred compensation expense this quarter.
Read full transcript analysis ›