Central Pacific Financial Corp. (CPF)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$38.43-2.09%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -3.4% |
| Our one-year growth estimate | diamond | 8.1% |
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 2026-11-04.
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 11.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
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: Core deposits were nearly unchanged from Q2 but grew 2.1% from a year earlier. A drop could weaken a key funding base.
Worry ifA future quarter reports core deposits below Q3's $6.11 billion.
Less concerning ifCore deposits remain at or above $6.11 billion and rise from the prior quarter.
Why it matters: Margin rose to 3.62% in Q3 and helped lift net interest income. A further rise would extend that gain.
Supportive ifQ4 net interest margin is above 3.62%, and net interest income is above Q3's $64.5 million.
Worry ifQ4 net interest margin falls below 3.62%, or net interest income falls below $64.5 million.
Why it matters: The board raised the quarterly dividend by 3.3%. Payment on the stated date would carry out that increase.
Supportive ifCPF pays $0.31 per share on December 15 to holders of record on November 30.
Worry ifCPF delays, cuts, or cancels the $0.31 payment before December 15.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$85 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $185 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,145 loss on $10,000 · 11.5% | 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.