Stock Ratings / Financials / CPF / dividends

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Central Pacific Financial Corp (CPF) Dividend Safety Gauge & 10-Year DRIP Compounder

$38.69 +2.11% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.93

Central Pacific Financial Corp (CPF) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $984.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CPF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CPF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $38.69 (+2.11% 1D, market cap $984.4M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CPF ranks #53 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CPF compare to HAFC and CAC in the Financials sector?

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Within the Financials sector (Major Banks), CPF carries a Roarable B (74/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 13.1%. By comparison, HAFC (Hanmi Financial Corporation) holds a B+ grade (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CAC (Camden National Corporation) posts a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CPF?

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Per CPF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000701347), Central Pacific Financial Corp generated $51.8M in revenue (+33.8% YoY), $77.5M in net income, and $92.3M in free cash flow against $7.41B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $38.93 (+0.62%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 178.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPF)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY CPF SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 178.1% FCF Margin ($92.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$35.85+1.2% Next Q

Q2 (-2Q)

Grade B-$36.28+4% Next Q

Q3 (-1Q)

Grade B$37.73+2.5% Next Q

Current

Grade B$38.69+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CPF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, CPF faces multiple-compression risk if 12.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.07) or 200D SMA ($35.46) invalidates the momentum regime and cuts Target Base ($41.48) toward Bear Floor ($31.73).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CPF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CPF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.78% Total Yield

2.98% Cash ($1.15/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

20.7% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (19.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $58,399

Est. Year-10 Shareholder Yield: $2,791/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.9K

Yr 1

$14.2K

Yr 2

$17.0K

Yr 3

$20.3K

Yr 4

$24.2K

Yr 5

$28.8K

Yr 6

$34.4K

Yr 7

$41.0K

Yr 8

$49.0K

Yr 9

$58.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CPF & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CPF and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CPF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.67%▲ RESISTANCE BREAKOUT

2026-11-02O $37.89H $38.69L $37.89C $38.69VOL 180.3K

RES: $36.95SUP: $34.34SMA50: $37.07SMA200: $35.46

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CPF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CPF Butterfly Map → + Track CPF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. +33.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CPF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CPF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CPF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CPF)

Financials Rank #53 of 1096 ⚔️ HAFC vs CPF Full Matrix →

1. Head-to-Head Financials Peer Comparison (CPF vs. HAFC, CAC, SBSI, TRST)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Central Pacific Financial Corp (CPF) ranks #53 by composite RQD confidence (74/100, grade B) and #561 by equity capitalization ($984.4M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with CPF at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CPF ACTIVE Central Pacific Financial Corp	B	74/100	12.7x	—	13.1%	+2.11%	$984.4M	Benchmark Subject
HAFC Hanmi Financial Corporation	B+	76/100	12.9x	—	7.5%	+1.32%	$982.3M	/hafc-vs-cpf →
CAC Camden National Corporation	C+	68/100	15.2x	—	9.4%	+0.43%	$989.2M	/cac-vs-cpf →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+5.25%	$992.3M	/sbsi-vs-cpf →
TRST TrustCo Bank Corp NY	C	62/100	15.8x	—	8.9%	+0.30%	$968.4M	/trst-vs-cpf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000701347

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Central Pacific Financial Corp (CPF) reported GAAP revenue of $51.8M (+33.8% vs. FY2024 revenue of $38.7M , and +11.0% cumulative change since FY2023) , GAAP net income of $77.5M, operating cash flow of $97.5M, and free cash flow of $92.3M (+22.4% YoY). On the balance sheet, CPF closed FY2025 with $7.41B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$51.8M	$77.5M	$97.5M	$92.3M	$7.41B	—
FY2024 (FY)	2024-12-31	$38.7M	$53.4M	$90.5M	$75.4M	$7.47B	—
FY2023 (FY)	2023-12-31	$46.7M	$58.7M	$105.1M	$105.1M	—	—

3. CPF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CPF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CPF compare to HAFC and CAC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CPF?

Where is CPF trading relative to its 50-day, 200-day, and 52-week technical levels?

CPF last traded at $38.69 (+2.11% on volume of 180,314 shares), positioning the stock +4.37% above its 50-day simple moving average ($37.07) and +9.11% above its 200-day simple moving average ($35.46). Across its 52-week range of $28.17 to $40.99, CPF sits at the 82.1% percentile with a 14-day RSI of 65.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($37.03 to $40.35).

CPF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CPF pay a dividend and is it safe?

Central Pacific Financial Corp (CPF) offers a 2.98% cash dividend yield ($1.15 annualized) and 4.78% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CPF RQD Cockpit CPF 12M Forecast CPF Earnings & Move CPF Dividends & DRIP CPF Insiders & 13F CPF Whale Options CPF Profit Sankey CPF News & Why