Central Pacific Financial Corp. (CPF) Fair Value 2026

CPF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Central Pacific Financial Corp. (CPF) trades at $37.83, versus a $26.70 median fair value across its 6 active models — 29.4% below the current price. QOC: 8.2/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CPF
Price
$37.83
Quality Score
8.2/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.2/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Central Pacific Financial Corp. (CPF) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Central Pacific Financial Corp. (CPF) appears overvalued as of : the median of 6 independent fair value estimates is $26.70, 29.4% below the current price of $37.83. Estimates range from $12.37 to $54.94. CPF scores 8.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. CPF’s -29.4% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Central Pacific Financial Corp. Stock in 2026? →

What Fair Value Does Each Model Give CPF?

6 Intrinsic Value Models vs. Current Price ($37.83)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $22.06 -41.7%
Ensemble · Low Conviction
 $24.79 -34.5%
Intrinsic · High Conviction
 $12.37 -67.3%
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What Is CPF's Fair Value Range?

Spread across 6 independent models · $12.37 to $54.94

CirclFi's 6 active models place Central Pacific Financial Corp. (CPF) between $12.37 and $54.94 per share, a spread of 159% of the median. The median of that range — $26.70 — is the fair value CirclFi publishes for CPF, against a current price of $37.83.

Low · Markov DDMHigh · Regime Cross
$12.37median $26.70$54.94
Where the range comes from
Most bearish modelMarkov DDM$12.37
Most bullish modelRegime Cross-Sectional$54.94
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CPF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CPF, not a CirclFi price target. How each model works →

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 $26.70, suggesting the stock is overvalued at its current price of $37.83. With 5 out of 6 models flagging downside (-29.4% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +45.2% (fair value: $54.94), while Markov DDM is the most conservative at -67.3% ($12.37). The spread between these extremes — +112.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CPF?

6 of 13 models are currently active for CPF. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for CPF is $26.70 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CPF Rank in Banks - Regional?

Among 352 Banks - Regional stocks, CPF ranks #129 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 Banks - Regional 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?

CirclFi's Value Trap algorithm assigns CPF a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Central Pacific Financial Corp.. Moderate coverage provides meaningful perspective. 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 +112.5% — 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 6 active models, average confidence is 40%. 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Central Pacific Financial Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

NWBINorthwest Bancshares, Inc.QOC 8.2PKBKParke Bancorp, Inc.QOC 8.2FMAOFarmers & Merchants Bancorp, Inc.QOC 8.2HFWAHeritage Financial CorporationQOC 8.2FBKFB Financial CorporationQOC 8.2SUPVGrupo Supervielle S.A.QOC 8.2FBNCFirst BancorpQOC 7.8BCBPBCB Bancorp, Inc.QOC 7.0FMCBFarmers & Merchants BancorpQOC 8.6STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: NWBI · PKBK · FMAO · HFWA · FBK · SUPV · FBNC · BCBP · FMCB · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to CPF?

5 companies across all industries closest to CPF’s Quality of Company score of 8.2/10.

FTLFFitLife Brands, Inc.QOC 8.2NTICNorthern Technologies International CorporationQOC 8.2HLTHilton Worldwide Holdings Inc.QOC 8.2ROADConstruction Partners, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FTLF · NTIC · HLT · ROAD · NVDA

Where Does CPF Sit in CirclFi's Banks - Regional Rankings?

CPF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Central Pacific Financial Corp.’s Valuation?

What is Central Pacific Financial Corp.'s intrinsic value in 2026?

CirclFi puts Central Pacific Financial Corp. (CPF)'s intrinsic value at $26.70 — the median of 6 independent model estimates as of 2026-08-28, ranging from $12.37 to $54.94. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CPF overvalued or undervalued right now?

At $37.83, 1 of 6 active models suggest CPF may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $26.70, 29.4% below the current price of $37.83 — a consensus view that CPF is overvalued. The assessment depends on which methodology best fits Central Pacific Financial Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for CPF?

Central Pacific Financial Corp.'s QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CPF?

CirclFi analyzes CPF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CPF?

Of the 6 models currently active on CPF, Regime Cross-Sectional is the most bullish at $54.94 per share, and Markov DDM is the most bearish at $12.37. CirclFi's published fair value for CPF is the median of that range, $26.70, not either extreme. The gap between the two ends equals 159% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CPF a value trap in 2026?

Central Pacific Financial Corp.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Central Pacific Financial Corp. (CPF) has a median fair value of $26.70 — 29.4% below the current price of $37.83 — as of 2026-08-28.” Source: circlfi.com/stock/CPF/ · Methodology
Primary sources for this CPF valuation
  • Financial statements: Central Pacific Financial Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0000701347) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CPF as of ; valuations recomputed .

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