Central Pacific Financial Corp (CPF) earns a Roarable Rating of B (Buy) with 74/100 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 2026-11-02, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $37.98 (-1.83% 1D, market cap $984.4M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, 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 #53 in composite RQD confidence.
Within the Financials sector (Major Banks), CPF carries a Roarable B (74/100 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 (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CAC (Camden National Corporation) posts a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M). 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 74/100 (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 ($37.07) or 200D SMA ($35.46) invalidates the momentum regime and cuts Target Base ($40.71) toward Bear Floor ($31.14).
Central Pacific Financial Corp (CPF) slipped -1.83% to $37.98, trading at 77% of its 52-week range ($28.17 – $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 1096 tracked Financials securities in the Roarable RQD universe, Central Pacific Financial Corp (CPF) ranks #53 by composite RQD confidence (74/100, grade B) and #561 by equity capitalization ($984.4M). 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 76/100 (B+) compared with CPF at 74/100 (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 | 74/100 | 12.7x | — | 13.1% | -1.83% | $984.4M | Benchmark Subject |
| HAFC Hanmi Financial Corporation | B+ | 76/100 | 12.9x | — | 7.5% | -1.75% | $982.3M | /hafc-vs-cpf → |
| CAC Camden National Corporation | C+ | 68/100 | 15.2x | — | 9.4% | -2.05% | $989.2M | /cac-vs-cpf → |
| SBSI Southside Bancshares Inc. | C | 64/100 | 14.3x | — | 8.2% | +1.11% | $992.3M | /sbsi-vs-cpf → |
| TRST TrustCo Bank Corp NY | C | 62/100 | 15.8x | — | 8.9% | -1.07% | $968.4M | /trst-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 2026-11-02, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $37.98 (-1.83% 1D, market cap $984.4M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, 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 #53 in composite RQD confidence.
Within the Financials sector (Major Banks), CPF carries a Roarable B (74/100 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 (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CAC (Camden National Corporation) posts a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M). 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 $37.98 (-1.83% on volume of 163,869 shares), positioning the stock +2.45% above its 50-day simple moving average ($37.07) and +7.11% above its 200-day simple moving average ($35.46). Across its 52-week range of $28.17 to $40.99, CPF sits at the 76.5% percentile with a 14-day RSI of 65.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($36.35 to $39.61).
Why CPF Stock slipped -1.83% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
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:
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.
| 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.
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
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.
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.
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.
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.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).