Central Pacific Financial Corp. (CPF)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$38.19+1.01%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CPF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 3.3% |
| Our one-year growth estimate | diamond | -0.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 3.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CPF — officer change
Dated 2026-07-02
The company entered into Change in Control Agreements with its executive officers, including the CEO.
Why it matters: Keeping the dividend shows good money management and care for shareholders. A cut could worry them.
Supportive ifDividend per share remains at $0.29.
Worry ifDividend per share is cut below $0.29.
Why it matters: Net interest margin affects how much money the company makes. Changes can show shifts in loans or deposits.
Watch forNet interest margin for Q2 rises above 3.53%. This indicates better loan yields.
Also watch forNet interest margin for Q2 falls below 3.53%. This suggests worse loan performance.
Why it matters: If total loans increase, it shows more lending. This helps boost overall revenue.
Supportive ifTotal loans reported above $5.32 billion.
Worry ifTotal loans reported below $5.32 billion.
Why it matters: A steady or better net interest margin shows good loan performance and cost control.
Supportive ifNet interest margin for Q3 exceeds 3.57%.
Worry ifNet interest margin for Q3 drops below 3.57%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$95 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $212 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,199 loss on $10,000 · 12.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Loan growth is key for revenue. A decrease may signal weakening demand.
Worry ifTotal loans decrease from $5.32 billion reported in Q1 2026.
Less concerning ifTotal loans increase from $5.32 billion.
Why it matters: If revenue growth drops below its median, it could signal a sector-wide issue.
Worry ifRevenue growth falls below its median for the sector.
Less concerning ifRevenue growth remains above its median for the sector.
Why it matters: A higher provision means asset quality is declining. This could lead to credit issues.
Worry ifProvision for credit losses was above $4.4 million.
Less concerning ifProvision for credit losses was below $4.4 million.
Why it matters: Keeping or raising the dividend shows a promise to give value to shareholders.
Supportive ifThe Board declares a dividend of $0.30 or higher for Q3.
Worry ifThe Board declares a dividend lower than $0.30 for Q3.
Why it matters: Net income growth shows strong performance. It supports management's plan for growth.
Supportive ifQ3 net income exceeds $20.8 million, showing growth from Q2.
Worry ifQ3 net income is below $20.8 million. This may mean there are operational problems.