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Central Pacific Financial Corp (CPF) 12-Month Stock Forecast & Price Target Cone

$37.98 -1.83% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $37.95

Central Pacific Financial Corp (CPF) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $966.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $37.98 (-1.83% 1D, market cap $966.4M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CPF ranks #57 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPF compare to HAFC and CAC in the Financials sector?

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Within the Financials sector (Major Banks), CPF carries a Roarable B (73/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 13.1%. By comparison, HAFC (Hanmi Financial Corporation) holds a B grade (75/100 RQD, P/E 12.9x, ROIC 7.5%, cap $965.1M) and CAC (Camden National Corporation) posts a C+ grade (66/100 RQD, P/E 15.2x, ROIC 9.4%, cap $968.9M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPF?

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Per CPF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000701347), Central Pacific Financial Corp generated $51.8M in revenue (+33.8% YoY), $77.5M in net income, and $92.3M in free cash flow against $7.41B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $37.95 (-0.09%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 178.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPF)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY CPF SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 178.1% FCF Margin ($92.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$35.61+3.4% Next Q

Q2 (-2Q)

Grade B-$36.82+2.7% Next Q

Q3 (-1Q)

Grade B$37.82+0.4% Next Q

Current

Grade B$37.98+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, CPF faces multiple-compression risk if 12.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.08) or 200D SMA ($35.49) invalidates the momentum regime and cuts Target Base ($40.54) toward Bear Floor ($31.14).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CPF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 73%NO 27%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your CPF Position Size: $10,000

Shares at $37.98: 263.3 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $31.14

$8,199

$-1,801 (-18.0%)

12M Consensus BaseTarget $40.54

$10,674

+$674 (+6.7%)

12M Bull Case BreakoutTarget $47.84

$12,596

+$2,596 (+26.0%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (34 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 23● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	OUTPERFORM	$42	74%	A
Goldman SachsSector Coverage Lead	BUY	$45	69%	B
JP MorganUS Large-Cap Research	HOLD	$36	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CPF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.57%▼ DESCENDING CHANNEL

2026-11-03O $38.69H $38.69L $37.98C $37.98VOL 163.9K

RES: $38.73SUP: $33.81SMA50: $37.08SMA200: $35.49

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPF Butterfly Map → + Track CPF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. +33.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CPF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CPF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPF)

Financials Rank #57 of 1096 ⚔️ HAFC vs CPF Full Matrix →

1. Head-to-Head Financials Peer Comparison (CPF vs. HAFC, CAC, TRST, SBSI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Central Pacific Financial Corp (CPF) ranks #57 by composite RQD confidence (73/100, grade B) and #561 by equity capitalization ($966.4M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with CPF at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CPF ACTIVE Central Pacific Financial Corp	B	73/100	12.7x	—	13.1%	-1.83%	$966.4M	Benchmark Subject
HAFC Hanmi Financial Corporation	B	75/100	12.9x	—	7.5%	-1.75%	$965.1M	/hafc-vs-cpf →
CAC Camden National Corporation	C+	66/100	15.2x	—	9.4%	-2.05%	$968.9M	/cac-vs-cpf →
TRST TrustCo Bank Corp NY	C-	61/100	15.8x	—	8.9%	-1.07%	$958.0M	/trst-vs-cpf →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+1.11%	$1.00B	/sbsi-vs-cpf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000701347

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Central Pacific Financial Corp (CPF) reported GAAP revenue of $51.8M (+33.8% vs. FY2024 revenue of $38.7M , and +11.0% cumulative change since FY2023) , GAAP net income of $77.5M, operating cash flow of $97.5M, and free cash flow of $92.3M (+22.4% YoY). On the balance sheet, CPF closed FY2025 with $7.41B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$51.8M	$77.5M	$97.5M	$92.3M	$7.41B	—
FY2024 (FY)	2024-12-31	$38.7M	$53.4M	$90.5M	$75.4M	$7.47B	—
FY2023 (FY)	2023-12-31	$46.7M	$58.7M	$105.1M	$105.1M	—	—

3. CPF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CPF compare to HAFC and CAC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CPF?

Where is CPF trading relative to its 50-day, 200-day, and 52-week technical levels?

CPF last traded at $37.98 (-1.83% on volume of 163,869 shares), positioning the stock +2.43% above its 50-day simple moving average ($37.08) and +7.02% above its 200-day simple moving average ($35.49). Across its 52-week range of $28.26 to $40.99, CPF sits at the 76.4% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($36.35 to $39.61).

CPF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is CPF's 12-month stock price target?

Central Pacific Financial Corp (CPF) carries a 12-month consensus base price target of $40.54 (+6.7% from $37.98), with a bull-case target of $47.84 and a bear-case floor of $31.14.

Is CPF stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates CPF B (Buy — BUY) with an RQD Confidence score of 73/100.

Direct Sub-Reports: CPF RQD Cockpit CPF 12M Forecast CPF Earnings & Move CPF Dividends & DRIP CPF Insiders & 13F CPF Whale Options CPF Profit Sankey CPF News & Why

ROARABLE RATING BRIEF • RQD 73/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CPF — Central Pacific Financial Corp: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:31:24Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CPF scores 74 out of 100 with a letter grade of B and a verdict label of "Roarable Buy — Good Risk/Reward." The five pillars are:

Fundamental Cash Engine: 16 / 20. Per the RQD rating, this pillar reflects ROIC of 13.1% and an FCF yield of 9.38%. For an investor, these are the strongest quantitative anchors in the rating: returns on invested capital and cash generation relative to market value.
Whale 13F Flow: 14 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The source data provides the score but no underlying 13F holdings detail, so the investor cannot verify the breadth of institutional buying from this dossier alone.
Insider Conviction: 17 / 20. Per the RQD rating, this is the highest-scoring pillar, reflecting SEC Form 4 and Congressional PTR cluster flow. The score indicates favorable insider-activity signals, though the individual transactions are not itemized in the source data.
Macro Regime Fit: 14 / 20. Per the RQD rating, this reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies the stock is expected to move in line with the broader market, so it offers neither defensive dampening nor amplified exposure to market swings.
Forensic Balance Sheet: 13 / 20. Per the RQD rating, this reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and a Debt/Equity ratio of 0.5. This is the lowest pillar, indicating moderate rather than pristine balance-sheet strength.

Taken together, the rating points to a stock with solid cash generation and favorable insider signals, tempered by a market-neutral beta and a balance sheet that is adequate but not the strongest component. Valuation metrics (P/E of 12.7 TTM and 10.7 forward, per market data) suggest the market is not pricing in aggressive growth, which may be consistent with the rating's moderate overall score. Prospective investors should weigh the upside drivers (cash yield, insider signals, forward earnings multiple) against the valuation context and the balance-sheet moderation noted in the forensic pillar. This is an analytical summary, not personalized financial advice.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$51.8M	$0.0M	$77.5M	N/A	$92.3M	N/A	N/A
FY 2024	$38.7M	$0.0M	$53.4M	N/A	$75.4M	N/A	N/A
FY 2023	$46.7M	$0.0M	$58.7M	N/A	$105.1M	N/A	N/A

Per the SEC financials, net income exceeded reported revenue in each period shown, and operating income is reported as $0.0M in all three periods; the source data does not explain these relationships. Per the market data, net margin is 68%, while gross and operating margins are each listed as 0%. Per the Roarable RQD rating, ROIC is 13.1%, and the forensic pillar cites an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and a Debt/Equity ratio of 0.5. Cash and debt balances are not available in source data.

Open Questions

Why does the financials section show operating income of $0.0M and net income well above revenue in every period, and what definitions apply?
What are the reported cash, debt, and EPS figures, since these fields are N/A throughout the financials?
What is the magnitude of the Q3 earnings beat and the value of the Keefe Bruyette price target?
What institutional 13F and insider Form 4 transactions underlie the whale and insider pillar scores?
What EV/EBITDA is implied by the enterprise value, given that the metric is not available in source data?

CPF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Central Pacific Financial Corp (CPF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CPF Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 16h ago

Central Pacific Financial (CPF) Reports Q3 Earnings: What Key Metrics Have to Say

Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com • 19h ago

Keefe Bruyette raises Central Pacific Financial stock price target on strong execution

Investing.com report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 22h ago

Central Pacific Financial Corp New Estimates – NYSE:CPF

TradingView report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Central Pacific Financial Corp. 2026 Q3 - Results - Earnings Call Presentation (NYSE:CPF) 2026-10-28

Seeking Alpha report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Central Pacific Bank’s parent will release third-quarter results before markets open Oct. 28.

Stock Titan report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Central Pacific Financial (CPF) Beats Q3 Earnings Estimates

Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 1d ago

Central Pacific Financial (CPF) Stock Gains On Stronger Q3 Earnings Run Rate

Simply Wall St report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Central Pacific Financial Q3 2026 Earnings Call Transcript

Benzinga report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CPF Bull vs. Bear Conversation Board — What's Your Call at $37.98?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CPF 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $45.65 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CPF (B • RQD 74/100) a Buy at $38.69?

Welcome to the CPF (Central Pacific Financial Corp) Roar Pit. Current RQD Composite is 74/100 (Roarable Buy — Good Risk/Reward) in Major Banks. Bulls point to capital efficiency (13.1% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $30.57 (-21.0%)

Spot @ $38.69

Pump the brakes on CPF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CPF, but look at what you are paying: 12.7x trailing P/E with tightening sector spreads. Unless Central Pacific Financial Corp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $46.04 (+19.0%)

Spot @ $38.69

CPF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CPF, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $38.69 (52-wk range $28.17 - $40.99), any beat on forward guidance forces shorts and underweight funds to chase.