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CPF · Central Pacific Financial Corp

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ChatGPT Claude Gemini
Server URL
https://mcp.equibles.com/mcp
All connection guides →
$37.45 +0.35 (+0.94%)
Market Cap
$966.30M
Shares
25.75M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$37.10 Open$38.17 Day$37.07–38.28 52W close$27.59–39.99 Avg vol 30d154K Short int576K · 2.2% float · 3.5d Short vol51% Last earningsJul 24, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Oct 23, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +10%
      above
      Price vs 50-day avg −3%
      below
      RSI (14) 35
      neutral
      MACD trend Negative
      52-week position 77%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return −4%
      trailing
      6-month return +10%
      trailing
      YTD return +19%
      this year
      Relative strength −1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $38 › 200d $34 — 50d above 200d
      Institutional flow Accumulating
      +2% holders QoQ · +20 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.24% of float · ▼ -11.1% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      203 holders — near 3-yr high, broad support
      Squeeze score 44
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +34%
      Y/Y
      EPS growth +45%
      Y/Y
      Free cash flow $92.3M
      Valuation P/E 12
      below peers
      Balance sheet $25.6M
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −12%
      past year
      ATR 2.3%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Jun 30, 2026
      Net interest income · full year 4% – 6%
      Other operating expense · full year 2.5% – 3.5%
      Prior guidance period ended · from the Earnings Call filed Dec 31, 2025
      Net interest margin expansion · first-quarter 2% – 5%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +10% Bullish
      Price vs 50-day avg
      −3% Neutral
      RSI (14)
      35 Neutral
      MACD trend
      Negative Bearish
      52-week position
      77% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $38 › 200d $34 — 50d above 200d
      Institutional flow Accumulating
      +2% holders QoQ · +20 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.24% of float · ▼ -11.1% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      203 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $28 Now $37 · 77% Range high $40
      vs 200-day avg +10% vs 50-day avg -3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ATMs 56 2Q26 —
      Book value per common share $23.11 Jun 30, 2026 —
      Branches 27 2Q26 —
      Closing market price per common share $38.2 Jun 30, 2026 —
      Common equity tier 1 capital ratio (Central Pacific Bank) 13.4% Jun 30, 2026 —
      Common equity tier 1 capital ratio (Central Pacific Financial Corp.) 12.7% Jun 30, 2026 —
      Criticized/Total Loans 2.34% 2Q26 —
      Dividend payout ratio 36.25% Three Months Ended Jun 30, 2026 —
      Efficiency ratio (non-GAAP) non-GAAP 59.74% Six Months Ended Jun 30, 2026 —
      Leverage ratio (Central Pacific Bank) 9.6% Jun 30, 2026 —
      Leverage ratio (Central Pacific Financial Corp.) 9.7% Jun 30, 2026 —
      Net charge-offs $2.7M Q2 2026 —
      Net interest margin (NIM) 3.57% Three Months Ended Jun 30, 2026 —
      Net interest margin (taxable-equivalent) non-GAAP 3.55% Six Months Ended Jun 30, 2026 —
      NPAs/Total Loans and OREO 0.31% 2Q26 —
      Ratio of total nonaccrual loans to total loans 0.29% Jun 30, 2026 —
      Return on average equity 13.94% Q2 2026 —
      TCE Ratio non-GAAP 7.95% 2Q26 —
      Tier 1 risk-based capital ratio (Central Pacific Bank) 13.4% Jun 30, 2026 —
      Tier 1 risk-based capital ratio (Central Pacific Financial Corp.) 13.6% Jun 30, 2026 —
      Total risk-based capital ratio (Central Pacific Bank) 14.7% Jun 30, 2026 —
      Total risk-based capital ratio (Central Pacific Financial Corp.) 14.8% Jun 30, 2026 —
      Adjusted efficiency ratio non-GAAP 60.81% Q3 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CPF
      Central Pacific Financial Corp
      this stock
      		$966.30M +19.1% +33.8% 12.0 2.2%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +18.7% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      203
      % held
      95.2%
      Net QoQ
      -54.8K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      295
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      576.1K
      Days to cover
      3.5d
      Change
      -72.0K sh
      View
      Short Volume
      Short vol %
      51%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      47
      Value
      $1.8K
      As of
      Jul 28, 2026
      View
      Off-Exchange
      Off-exchange %
      33.0%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Revenue (FY)
      $51.8M
      Net income (FY)
      $77.5M
      EPS diluted
      $2.86
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      9
      View
      Proposed Sales
      Value
      $159.0K
      Shares
      5.0K
      Filed
      Dec 11, 2025
      View
      Exempt Offerings
      Offering
      $55.0M
      Filed
      Oct 26, 2020
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 24, 2026
      View
      Investor Relations
      Latest news
      Central Pacific Financial Reports…
      Published
      Jul 24, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CPF -4.2% -4.0% +10.1% -5.8% +19.1%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -3.7% -6.9% -1.5% -8.8% +6.3%

      Capital returns

      Latest dividend
      $0.29 / share · ex May 29, 2026
      Declared · upcoming
      $0.30 / share · ex Aug 31, 2026
      Raised 3.6%
      Paid (TTM)
      $1.13 / share · 4 payouts
      Dividend yield (TTM, derived)
      3.05%

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 701347 CUSIP 154760409 13F (30d) 180 filings 180 filers Visit website Investor relations

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