Key Drivers
- Strong Profitability
- Heavy Leverage
- Fair Valuation
AIAI Summary
CPF should be viewed less as a “cheap bank” and more as a leveraged spread business with decent cash generation but a thin margin of safety, so the key takeaway is to hold off on a buy until management proves the recent earnings beat is sustainable and leverage/credit risk won't erode returns.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •Strong Profitability
- •Heavy Leverage
- •Fair Valuation
CPF remains steadily profitable and reasonably valued with strong liquidity and cash flow, but heavy leverage and low asset efficiency materially limit downside protection.
Price Behavior
Key Price Behavior Insights:
- •Support holding
- •Resistance overhead
- •Momentum fading
Over the last month, CPF has drifted below its starting level, with buyers defending $33.3-$33.7 but resistance near $34.6-$34.8 and weakening momentum after the $34.79 peak, so a clean reclaim of the mid-$34s is needed to turn bullish.
Rally to $34.79 on 2026-05-08 reversed to $33.65 by 2026-05-15
Sentiment & News
Key News Insights:
- •EPS Beat
- •YoY Growth
- •QoQ Decline
Central Pacific Financial beat Q1 earnings estimates with $0.78 EPS vs. $0.74 expected, but sequential results softened despite year-over-year profit growth.
The report is modestly positive for CPF, though the weaker quarter-over-quarter trend may temper near-term upside
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