Should I Buy CPF? CPF 2026 Analysis

Should You Buy Central Pacific Financial Corp (CPF) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

34.530

1 Day change

0.32%

52 Week Range

35.010

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient entry: price is extended/overbought and sitting just below a near-term resistance level.
Trend is bullish, but the risk/reward at $34.06 looks skewed toward a short-term pullback rather than immediate upside follow-through.
Fundamentals/news flow are clearly positive (earnings beat, dividend raise, buyback authorization), so CPF is attractive on quality—but the current setup looks like a “buy the dip” rather than “buy now” situation.

Intellectia Proprietary Trading Signals

AI Stock Picker: No signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend: Bullish structure with moving averages aligned up (SMA_5 > SMA_20 > SMA_200), confirming an ongoing uptrend.
Momentum: MACD histogram +0.197 and expanding, supportive of the uptrend.
Overbought/extension: RSI_6 at ~79.6 indicates short-term overbought conditions (often precedes consolidation/pullback).
Levels: Pivot 32.728 (key near-term “must-hold” area). Price $34.06 is just under R1 34.111 (immediate resistance); next resistance R2 34.965.
Pattern-based short-term odds: Similar-pattern model points to a mild negative bias over the next week (-3.48%), which aligns with the overbought read.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Open interest put/call ratio of 0.04 is extremely call-heavy (bullish skew), but it can also signal crowded optimism.
Activity/liquidity: Today’s option volume is 0 (very limited real-time sentiment signal; options market appears illiquid/inactive).
Volatility: IV percentile ~18.8 and IV rank ~14.2 suggest implied volatility is relatively low versus its own history; near-term IV has also come down versus 5–10 day averages (cooling).
Takeaway: Skew is bullish, but the lack of volume makes it a weak conviction sentiment read.

Technical Summary

Sell

Buy

Positive Catalysts

- Profitability improvements: ROA rose to 1.25% (supports the “quality bank” narrative).

Neutral/Negative Catalysts

- Near-term technical setup is stretched (RSI overbought) and price is pressing into resistance (R1 ~$34.11).
- Model-based near-term drift points to downside risk over the next week (pattern projection).
- Options market provides limited confirmation due to near-zero volume (sentiment signal not robust).
- No notable supportive flow from hedge funds/insiders recently (both neutral).

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $75.61M, +37.19% YoY (strong top-line acceleration).
Net income: $22.88M, +101.63% YoY (major earnings expansion).
EPS: $0.85, +102.38% YoY (profit growth translating cleanly to shareholders).
Overall: Growth and profitability trends are decisively positive, consistent with the dividend increase and buyback authorization.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Most recent update (2026-02-02): Keefe Bruyette raised price target to $36 from $34, maintained Market Perform.
Street stance summary: Incrementally more optimistic on value (higher PT), but not a high-conviction “buy” rating.
Wall St. pros: Improving earnings power, capital return (dividend + buyback), stronger profitability metrics.
Wall St. cons: Current pricing appears closer to fair value (Market Perform) and the stock may already be reflecting recent good news.
Influential/political trading: No recent congress trading data available; no politician activity indicated in the provided data.

2 Analyst Rating

Wall Street analysts forecast CPF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CPF is 35.5 USD with a low forecast of 34 USD and a high forecast of 37 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 34.420

Low

Averages

35.5

High

Current: 34.420

Low

Averages

35.5

High

Keefe Bruyette

Market Perform

maintain

$34 -> $36

AI Analysis

2026-02-02

Reason

Keefe Bruyette

Price Target

$34 -> $36

AI Analysis

2026-02-02

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Central Pacific to $36 from $34 and keeps a Market Perform rating on the shares.

Piper Sandler

Overweight

initiated

$35

2025-08-21

Reason

Piper Sandler

Price Target

$35

2025-08-21

initiated

Overweight

Reason

Piper Sandler assumed coverage of Central Pacific with an Overweight rating and $35 price target. The Hawaii banks are positioned well to improve profitability by increasing net interest income despite low-single-digit loan and deposit growth outlooks, the analyst tells investors in a research note. Piper's favorite name in the group is Central Pacific due to its discounted relative valuation despite a competitive profitability outlook.

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CPF Should I Buy

CPF Should I Buy

Should You Buy Central Pacific Financial Corp (CPF) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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