What Is Central Pacific Financial Corp (CPF) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Central Pacific Financial Corp 's intrinsic value is estimated at $44.96, presenting a divided outlook at the current price of $38.29. With an average implied return of +17.4% across a split 5–4 (bull–bear) consensus, the model spread of +223.6% underscores analytical uncertainty. Notably, Bayesian DCF sees the most upside at +151.8% (fair value: $96.42), while Markov DDM is the most conservative at -71.8% ($10.79). The spread between these extremes — +223.6% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About CPF?
12 of 13 models are currently active for CPF. Of these, 5 models suggest upside while 7 models suggest overvaluation. The Bayesian DCF estimates CPF's intrinsic value at $96.42, implying +151.8% upside from the current price. See which stocks rank higher →
How Does CPF Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, CPF ranks #90 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places CPF in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
As a financial institution, Central Pacific Financial Corp operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating CPF should weigh these sector-specific dynamics alongside our model-derived fair values.
Is CPF a Value Trap?
The Value Trap algorithm is not active for CPF. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Central Pacific Financial Corp . Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Central Pacific Financial Corp is rated at 8.2/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +223.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every CPF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across CPF's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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