CENTRAL PACIFIC FINANCIAL CORP (CPF)
Financials · regional banking · NYSE
Central Pacific Financial is a Hawaii-based community bank providing tailored financial services to local businesses and families while leveraging strategic international partnerships.
What CENTRAL PACIFIC FINANCIAL CORP does
Central Pacific Financial Corp. is a bank holding company that operates through its principal subsidiary, Central Pacific Bank, providing full-service commercial and retail banking in Hawaii. The company offers a wide range of deposit and lending products, including commercial, industrial, construction, residential mortgage, and consumer loans, alongside cash management, digital banking, and investment management services. It serves its customer base through a network of 27 bank branches and 55 ATMs across Hawaii, with administrative operations centered in Honolulu.
Themes: community banking, Hawaii economy, commercial real estate lending, wealth management, international banking partnerships
Fundamentals
- Price$37.43 as of 2026-08-21 close
- Market cap$964M as of 2026-08-21
- 1-year return+27.3% 2025-08-21 close $29.41 → 2026-08-21 close $37.43
- P/E12.03 as of 2026-08-24
- Net margin+24.8% as of 2026-08-24
- ROE+14.0% as of 2026-08-24
- Debt / equity0.13 as of 2026-08-24
- Revenue growth (YoY)+22.9% as of 2026-08-24
- Revenue CAGR (3y)+2.6% SEC XBRL
- Beta0.86 as of 2026-08-24
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +6.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CPF compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CPF's dividend was covered by reported results (earnings payout 38%, free-cash-flow payout 32%). This describes past coverage, not a forecast.
- Earnings payout38% dividends / net income
- Free-cash-flow payout32% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How CENTRAL PACIFIC FINANCIAL CORP looks technically
CENTRAL PACIFIC FINANCIAL CORP (CPF) is trading 10.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 244 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 39, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 3 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 10.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $38.20 | $38.20 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $33.76 | $33.76 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a completed five-part upward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes above 40.9899. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave upward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 244 trading days ago — a "golden cross", a bullish long-term signal | 244 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 25, with sellers in control | 25.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 39, neither overbought (above 70) nor oversold (below 30) | 39.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($36.98 to $40.99) — its "stochastic" reading is 11 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 11.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 25 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $40.99 | $40.99 |
|---|---|---|
| From the 52-week high | it is 8.7% below its 52-week high (its highest price of the past year) | -8.7% |
| Above the 52-week low | it is 36.7% above its 52-week low (its lowest price of the past year) | +36.7% |
| Below the 52-week high | it is 8.7% below its highest point of the past year | 8.7% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $810.00 (set on 2007-02-22) | $810.00 |
| Given back of the 52-week move | over the past year its closes ranged ($27.59 to $39.99), and it has given back roughly a quarter of its rise from last year’s low — 21% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $31.93 to $32.33. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 20.6% |
| From the all-time high | it is 95.4% below its all-time high | -95.4% |
| Nearest price level | it is trading 5.1% below a resistance level at $39.35 — a price it turned at twice since 2026-07-02, most recently on 2026-08-14. Since 2024-08-21 it has 9 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +5.1% |
| All-time low | its lowest closing price on record is $9.37 (set on 2011-10-04) | $9.37 |
| Above the all-time low | it is 299.5% above its all-time low | +299.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 44th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8306 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8306 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $37.23 and $40.42 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $37.23 – $38.82 – $40.42 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 4.4 daily ranges above its 200-day average price (10.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.65× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|
Price gaps
1
| Gap filled | a 3.0% gap up opened on 2026-06-11 has been "filled" 45 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 45 sessions ago |
|---|
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.6 percentage points (the stock lost 4.2% while the market gained 2.3%) | -6.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.4 percentage points (the stock gained 7.5% while the market gained 3.1%) | +4.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.7 percentage points (the stock gained 9.3% while the market gained 11.1%) | -1.8% |
| vs market, 12 months | over the past 12 months this stock beat the market by 6.8 percentage points (the stock gained 27.3% while the market gained 20.5%) | +6.8% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.1% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $34.83 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +7.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-24 (its 8-K), so the typical buyer over that stretch is under water. That average is $38.74 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP. | -3.4% |
Price levels it has turned at before
CPF last closed at $37.43 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $39.35 | Resistance | 5.1% above the last close | turned there twice · 2026-07-02 to 2026-08-14 |
| $35.10 | Support | 6.2% below the last close | turned there six times · 2026-01-28 to 2026-05-22 |
| $33.34 | Support | 10.9% below the last close | turned there six times · 2024-11-25 to 2026-06-01 |
| $31.99 | Support | 14.5% below the last close | turned there three times · 2024-11-12 to 2025-09-05 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $40.99.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) · Trading inside the Ichimoku cloud · Completed Elliott five-wave sequences | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$43.00 range $42.00 – $44.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CPF
- Consensus EPS estimate$0.85 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Changes in interest rates affecting net interest margin and collateral values","Economic conditions in Hawaii impacting borrower creditworthiness and loan demand","Credit risk concentration in commercial real estate and construction lending"]
What changed in the latest 10-Q
AI-assisted comparison of CPF's 10-Q filed 2026-04-29 against the prior one filed 2025-10-29.
Management's Discussion & Analysis (MD&A)
- Added:
- Added to risk factors: 'geopolitical instability, trade tensions' in the context of U.S. administration's economic policies (2026-04-29)
- Added to risk factors: 'floods' as a type of natural disaster (2026-04-29)
- Added to risk factors: 'the costs and effects of legal and regulatory proceedings' with expanded language about governmental and regulatory exams and orders (2026-04-29)
- Removed:
- Removed reference to 'Forms 10-Q and 10-K for the current fiscal quarter and the last fiscal year' from forward-looking statements disclaimer; replaced with 'Form 10-K for the last fiscal year' (2026-04-29)
- Removed from risk factors: 'including the transition away from the London Interbank Offered Rate Index' from market volatility bullet point (2026-04-29)
- Removed section heading 'Overview' and replaced with 'General' (2026-04-29)
- Reworded:
- Changed 'and other cost-cutting initiatives' to 'geopolitical instability, trade tensions, and other cost-cutting or fiscal initiatives' in administration's economic policies risk factor (2026-04-29)
- Changed 'local, national, and international economic conditions' to 'local, national, and international economies' and added 'floods' to natural disasters list (2026-04-29)
- Changed 'the adverse effects of bank failures on customer confidence, deposit behavior, liquidity and regulatory responses' to 'the adverse effects of bank failures on customer confidence, deposit behavior, liquidity, and regulatory responses' (comma addition) (2026-04-29)
- Changed 'legal and regulatory proceedings' to 'the costs and effects of legal and regulatory proceedings' (2026-04-29)
- Changed 'disclosure controls' to 'disclosure controls and procedures' (2026-04-29)
- Changed 'changes in our personnel, organization, compensation and benefit plans' to 'changes in our personnel, organization, compensation, and benefit plans' (comma addition) (2026-04-29)
- Changed 'acts of war or terrorism' to 'acts of war or terrorism' wording variant in geopolitical conflicts bullet (2026-04-29)
- Changed date reference from 'September 30, 2025' to 'March 31, 2026' for branch and ATM count (2026-04-29)
- Changed section header from 'Overview' to 'General' (2026-04-29)
- Notes:
- The newer filing is a Q1 2026 10-Q (period ended March 31, 2026) while the older filing is a Q3 2025 10-Q (period ended September 30, 2025), so date references naturally differ
- Text in both filings appears truncated at the end, limiting full assessment of any additional changes
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for CPF — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CPF as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 6,121,044
- Reported value $195,628,574
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CPF had 576,110 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CPF had 2.24% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.48 days to cover at the same settlement.
- Reported short interest (shares) 576,110
- Short interest (% of shares outstanding) 2.24%
- Prior settlement (shares) 648,062
- Reported change -11.1%
- Days to cover (reported) 3.48
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CENTRAL PACIFIC FINANCIAL CORP (CPF) do?
Central Pacific Financial Corp. is a bank holding company that operates through its principal subsidiary, Central Pacific Bank, providing full-service commercial and retail banking in Hawaii. The company offers a wide range of deposit and lending products, including commercial, industrial, construction, residential mortgage, and consumer loans, alongside cash management, digital banking, and investment management services.
What sector is CENTRAL PACIFIC FINANCIAL CORP (CPF) in?
CENTRAL PACIFIC FINANCIAL CORP (CPF) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.
Does CPF pay a dividend?
Yes — CENTRAL PACIFIC FINANCIAL CORP (CPF) pays a dividend, with an indicated yield of about 5.95% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are CENTRAL PACIFIC FINANCIAL CORP's (CPF) competitors?
Notable peers of CENTRAL PACIFIC FINANCIAL CORP (CPF) include Bank of Hawaii and First Hawaiian Bank. This peer set is informational only — not financial advice.
Is CENTRAL PACIFIC FINANCIAL CORP (CPF) overbought or oversold right now?
CENTRAL PACIFIC FINANCIAL CORP (CPF) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 39, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CPF come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.