What is CPF's 12-month price target and RQD AI Jury consensus?

CPF's 12-month base price target is $41.6 (range $31.96 to $49.09), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / CPF

HAFC (75) CAC (66) TRST (61) SBSI (64) ⌘ Pro Terminal →

Central Pacific Financial Corp (CPF) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell CPF stock right now?

Central Pacific Financial Corp (CPF) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

$38.97 +2.61% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.25

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.

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 $38.97 (+2.61% 1D, market cap $966.4M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, CPF ranks #58 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: $39.25 (+0.71%)🧬 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+3% Next Q

Current

Grade B$38.97+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 ($41.60) toward Bear Floor ($31.96).

🎲 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 →

RSI-14 MOMENTUMBULLISH MOMENTUM

56.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE84% OF RANGE

L: $28$38.97H: $41

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on CPF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

13.1% ROIC with 42.0% gross margin and 9.38% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (73)

30/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like CPF

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

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

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: +15.50%▲ RESISTANCE BREAKOUT

2026-11-03O $38.69H $38.97L $37.98C $38.97VOL 163.9K

RES: $36.91SUP: $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

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

Reverse-DCF Expectations Hurdle

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

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 #58 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Central Pacific Financial Corp (CPF) ranks #58 by composite RQD confidence (73/100, grade B) and #562 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%	+2.61%	$966.4M	Benchmark Subject
HAFC Hanmi Financial Corporation	B	75/100	12.9x	—	7.5%	+2.49%	$965.1M	/hafc-vs-cpf →
CAC Camden National Corporation	C+	66/100	15.2x	—	9.4%	+2.77%	$968.9M	/cac-vs-cpf →
TRST TrustCo Bank Corp NY	C-	61/100	15.8x	—	8.9%	+2.76%	$958.0M	/trst-vs-cpf →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+5.29%	$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 $38.97 (+2.61% on volume of 226,695 shares), positioning the stock +5.10% above its 50-day simple moving average ($37.08) and +9.81% above its 200-day simple moving average ($35.49). Across its 52-week range of $28.26 to $40.99, CPF sits at the 84.1% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($37.29 to $40.65).

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) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Central Pacific Financial Corp (CPF) earns a live Roarable RQD composite score of 73/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $38.97 (+2.61% 1D, market capitalization $966.4M).

Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 13.1%, gross margin of —, operating margin of —, and free cash flow yield of 9.38%.
Whale 13F & Options Flow (13/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Central Pacific Financial Corp (CPF) is listed on the NYSE in the Financials sector, Major Banks industry. The profile identifies a market capitalization of $1.0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Central Pacific Financial Corp (CPF) reported $51.8M in annual revenue (up from $38.7M in FY2024, +33.8% YoY) and $77.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($46.7M revenue, $58.7M net income) through FY2025, CPF scaled operating cash flow to $97.5M and free cash flow to $92.3M, backed by $7.41B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 73/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $28.26 – $40.99 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CPF carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can CPF sustain or expand its — operating margin and 13.1% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $51.8M and free cash flow of $92.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is CPF's 10.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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 • 22h 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 • 1d 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 • 1d 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 $38.97?

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

CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $46.34 (+22.0%)

📌 Pinned Debate

Insider conviction (17/20) and a 9.38% FCF yield with 13.1% ROIC point to strong cash generation at a 10.7 forward P/E.

Picked up a starter position in CPF in my $100K Virtual Cash book at $37.98. Insider conviction (17/20) and a 9.38% FCF yield with 13.1% ROIC point to strong cash generation at a 10.7 forward P/E.. Trading inside a $28.26–$40.99 52-week range with 9.38% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

CapAlloc_Nerd 🐂 BULL

@ShortSeller_Dan Fair point on 12.7x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $29.62 (-22.0%)

Spot @ $37.98

Operating margin of 0% and N/A cash and debt figures leave the earnings quality and balance-sheet picture unverified.

Careful chasing CPF at $37.98. Operating margin of 0% and N/A cash and debt figures leave the earnings quality and balance-sheet picture unverified.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $29.62 on multiple compression.