CENTRAL PACIFIC FINANCIAL CORP (CPF)
Financials · regional banks · NYSE
A Hawaii-based bank holding company providing commercial and consumer banking services to individuals and businesses across the islands.
What CENTRAL PACIFIC FINANCIAL CORP does
Central Pacific Financial Corp. is a bank holding company that provides a broad range of commercial and consumer banking products and services, primarily in Hawaii. Its principal subsidiary, Central Pacific Bank, offers deposit accounts, residential and commercial real estate loans, commercial and industrial loans, and fiduciary/trust services.
Themes: regional banking, commercial lending, residential mortgage lending
Fundamentals
- Price$36.24 as of 2026-10-08 close
- Market cap$933M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+22.2% 2025-10-08 close $29.65 → 2026-10-08 close $36.24
- P/E11.61 as of 2026-10-08
- Net margin+149.5% FY2025, SEC XBRL
- ROE+13.1% FY2025, SEC XBRL
- Debt / equity0.13 as of 2026-09-03
- Revenue growth (YoY)+22.9% as of 2026-09-03
- Revenue CAGR (3y)+2.6% SEC XBRL
- Beta0.76 as of 2026-09-03
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.2%; 10-year non-decreasing per-share dividend streak (SEC XBRL).
How CPF compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 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 3.7% 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 277 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 29, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 3.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $37.65 | $37.65 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $34.95 | $34.95 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 277 trading days ago — a "golden cross", a bullish long-term signal | 277 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control | 29.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30) | 42.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($35.10 to $37.87) — its "stochastic" reading is 41 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. | 41.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 14 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 11.6% below its 52-week high (its highest price of the past year) | -11.6% |
| Above the 52-week low | it is 32.4% above its 52-week low (its lowest price of the past year) | +32.4% |
| Below the 52-week high | it is 11.6% below its highest point of the past year | 11.6% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 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 third of its rise from last year’s low — 30% 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. | 30.2% |
| From the all-time high | it is 95.5% below its all-time high | -95.5% |
| Nearest price level | it is trading 2.1% below a resistance level at $36.99 — a price it turned at three times since 2026-07-08, most recently on 2026-09-02. Since 2024-10-08 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.1% |
| 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 286.8% above its all-time low | +286.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 55th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7766 between its high and its low — about 2.1% 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 | $0.7766 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $35.43 and $38.06 — 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 | $35.43 – $36.75 – $38.06 |
| Typical daily range (% of price) | its price moves about 2.1% 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 | 2.1% |
| Stretch from the 200-day average | it is trading 1.7 daily ranges above its 200-day average price (3.7% 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 | 1.7 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 | 0.96× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 2.9% since the prior reading | -2.9% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 3 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 | 3 sessions ago |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.1% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.9 percentage points (the stock lost 3.8% while the market gained 1.0%) | -4.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 7.4 percentage points (the stock lost 3.6% while the market gained 3.8%) | -7.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 6.5 percentage points (the stock gained 10.9% while the market gained 17.5%) | -6.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 7.2 percentage points (the stock gained 22.2% while the market gained 15.0%) | +7.3% |
Signal agreement
2
| Bullish technical signals | 2 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 — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.0% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.0% of the share price, which is taken to mean a barrier that gives way easily. | -5.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $35.36 — a volume-weighted average of daily closes over 189 sessions, not a true tick-by-tick VWAP. | +2.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% 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 $37.70 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -3.9% |
Price levels it has turned at before
CPF last closed at $36.24 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $36.99 | Resistance | 2.1% above the last close | turned there three times · 2026-07-08 to 2026-09-02 |
| $35.10 | Support | 3.1% below the last close | turned there 7 times · 2026-01-28 to 2026-10-01 |
| $38.15 | Resistance | 5.3% above the last close | turned there twice · 2026-07-23 to 2026-09-15 |
| $33.34 | Support | 8.0% below the last close | turned there six times · 2024-11-25 to 2026-06-01 |
| $39.35 | Resistance | 8.6% above the last close | turned there twice · 2026-07-02 to 2026-08-14 |
| $31.99 | Support | 11.7% 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
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
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 · Analyst price target recently CUT · lagging the market · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.40 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$41.75 range $38.00 – $44.00; median $42.50
Analyst estimates, as of 2026-10-08. 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 2026-10-08
- Estimate change, 30 days$0.00 (0.0%) from $0.85, on 2026-09-03, 35-day window
- Readings revised upward0% of 8 comparable readings
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)
["Concentration of business activities and credit risk within the state of Hawaii.","Sensitivity to interest rate fluctuations affecting net interest margin.","Potential for loan losses and the adequacy of the allowance for credit losses."]
What changed in the latest 10-Q
AI-assisted comparison of CPF's 10-Q filed 2026-08-06 against the prior one filed 2026-04-29.
Management's Discussion & Analysis (MD&A)
- Added:
- In the newer filing (2026-08-06), the ATMs figure is stated as 56 ATMs.
- Removed:
- In the older filing (2026-04-29), the ATMs figure is stated as 55 ATMs.
- Reworded:
- In the older filing (2026-04-29), a risk factor bullet refers to "the impact of legislative and regulatory developments, including the Dodd-Frank Act, changing capital and consumer protection rules..."; in the newer filing (2026-08-06), the reference to "the Dodd-Frank Act" is removed.
- In the older filing (2026-04-29), a risk factor bullet refers to "the results of governmental and regulatory exams and orders"; in the newer filing (2026-08-06), the wording is changed to "the results of governmental and regulatory exams and orders" preceded by "including actual or threatened litigation and", and the older phrase "the efforts of governmental and regulatory exams and orders" has been replaced by "the results of governmental and regulatory exams and orders".
- Notes:
- The newer filing text is truncated at the end ("faced li..."), so only the changes visible in the extract could be compared.
- The older filing text is also truncated at the end ("faced li..."), so any differences after that point could not be assessed.
Risk Factors
- Added:
- Newer filing adds Exhibits 10.1 and 10.2 (Change in Control Agreement with Arnold D. Martines and Form of Executive Officer Change in Control Agreement), incorporated by reference to Form 8-K filed July 2, 2026.
- Reworded:
- Newer filing (filed 2026-08-06) references repurchases under the '2026 Repurchase Plan'; older filing (filed 2026-04-29) references repurchases under the '2025 Repurchase Plan'.
- Newer filing (filed 2026-08-06) states repurchases during the three months ended June 30, 2026 totaled 321,858 shares at $35.01 per share; older filing (filed 2026-04-29) states repurchases during the three months ended March 31, 2026 totaled 321,396 shares at $32.75 per share.
- Newer filing (filed 2026-08-06) states $33.2 million in repurchase authorization remained as of June 30, 2026; older filing (filed 2026-04-29) states $44.5 million remained as of March 31, 2026.
- Newer filing (filed 2026-08-06) quarterly share purchase table covers April 1 through June 30, 2026; older filing (filed 2026-04-29) quarterly share purchase table covers January 1 through March 31, 2026.
- Newer filing (filed 2026-08-06) states 306 shares were acquired from employees for income tax withholding during the three months ended June 30, 2026; older filing (filed 2026-04-29) states 40,301 shares were acquired from employees for income tax withholding during the three months ended March 31, 2026.
- Newer filing (filed 2026-08-06) states no directors or officers adopted, modified, or terminated trading arrangements during the three months ended June 30, 2026; older filing (filed 2026-04-29) states the same for the three months ended March 31, 2026.
- Older filing (filed 2026-04-29) inserts a period after 'previously approved by the Company's Board of Directors' in the share repurchase plan description; newer filing (filed 2026-08-06) omits that period.
- Older filing signature date is April 29, 2026; newer filing signature date is August 6, 2026.
- Newer filing (filed 2026-08-06) item numbering and pagination reflect the later period (page 70 vs. page 64 for Item 6 preamble; signatures at pages 72 vs. 66).
- Notes:
- The provided Risk Factors section text in both filings contains only a statement that there are no material changes from the Annual Report on Form 10-K. The actual risk factor text is in the Form 10-K dated February 27, 2026 and not included in either provided source.
- The text after Item 1A (Item 2, Item 5, Item 6, Signatures) is included in both provided sections, so changes in those items are reported above even though they are outside the formal 'Risk Factors' heading.
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 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 6,234,300
- Reported value $238,150,272
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 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.
Ask about CPF's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CPF had 700,583 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
CPF had 2.72% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.04 days to cover at the same settlement.
- Reported short interest (shares) 700,583
- Short interest (% of shares outstanding) 2.72%
- Prior settlement (shares) 623,978
- Reported change 12.28%
- Days to cover (reported) 5.04
Reported to FINRA as of the 2026-09-15 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
- Bank of Hawaii (BOH)
- First Hawaiian (FHB)
- Territorial Savings Bank (TBNK)
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 provides a broad range of commercial and consumer banking products and services, primarily in Hawaii. Its principal subsidiary, Central Pacific Bank, offers deposit accounts, residential and commercial real estate loans, commercial and industrial loans, and fiduciary/trust 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 banks. It trades on NYSE.
Does CPF pay a dividend?
Yes — CENTRAL PACIFIC FINANCIAL CORP (CPF) pays a dividend, with an indicated yield of about 3.19% and 10-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). 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, First Hawaiian and Territorial Savings 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 42, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CPF come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.