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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 178.1% FCF Margin ($92.3M FCF) & 52% Gross Margin
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Central Pacific Financial Corp (CPF) surged +2.61% to $38.97, trading at 84% of its 52-week range ($28.26 – $40.99). High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
A granular deposit base and real estate-backed loan portfolio give the bank room to expand while keeping funding costs and credit risk in check.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +33.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CPF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CPF. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
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).
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.
Operating in Major Banks (Financials), CPF carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Central Pacific Financial Corp (CPF) market action, institutional positioning, and fundamental catalysts.
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.
@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.
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.
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