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Why CPF Stock surged +2.11% Today — RQD Quant Desk Flash
$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 73/100 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.
ROARABLE B • BUY
Cap $984.4M
⚡ 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 2026-11-01, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 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 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CPF ranks #79 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 (73/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 13.1%. By comparison, HAFC (Hanmi Financial Corporation) holds a C+ grade (68/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CAC (Camden National Corporation) posts a C- grade (61/100 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:
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 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% 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 B
Each axis scored 0–20
12M PRICE TARGET CONE+6.7% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CPF)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (73/100 Composite)
🔍 WHY CPF SCORES 73/100 (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: Whale & Options Positioning11/20 pts (-9 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C+$35.60+2.5% Next Q
65
Q2 (-2Q)Grade B-$36.48+3.3% Next Q
68
Q3 (-1Q)Grade B$37.69+2.7% Next Q
70
CurrentGrade B$38.69+7.1% Hist 90D α
73
Trajectory: C+ (65) → B (73)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
Even with a 73/100 (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 ($37.05) or 200D SMA ($35.42) invalidates the momentum regime and cuts Target Base ($41.30) 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CPF Stock surged +2.11% Today — RQD Quant Desk Flash
Central Pacific Financial Corp (CPF) surged +2.11% to $38.69, trading at 82% of its 52-week range ($28.26 – $40.99). High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 82% of its 52-week range ($28.26 – $40.99) with RSI-14 at 59.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.3% around $38.69 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $92.3M annual free cash flow.
Live CPF Headlines & Catalysts
MARKET WIREYahoo • 3d ago
Central Pacific Financial: 3 Key Takeaways for Long-Term InvestorsA granular deposit base and real estate-backed loan portfolio give the bank room to expand while keeping funding costs and credit risk in check.
MARKET WIREYahoo • 4d ago
Central Pacific (CPF) Q3 2026 Earnings Call TranscriptNet income climbed to $22.8 million on margin expansion and expense discipline.
MARKET WIREYahoo • 4d ago
Central Pacific Financial Corp. Q3 2026 Earnings Call SummaryMoby summary of Central Pacific Financial Corp.'s Q3 2026 earnings call
MARKET WIREYahoo • 4d ago
What CPB (CPF) Said on Its Q3 Earnings CallCentral Pacific Financial Corp. CPB (NYSE:CPF) reported third-quarter 2026 net income of $22.8 million, or $0.88 per diluted share, up from $20.8 million, or $0.80 per diluted share, in the prior quarter. Chairman, Presi
MARKET WIREYahoo • 4d ago
Central Pacific Financial: Q3 Earnings SnapshotHONOLULU (AP) — HONOLULU (AP) — Central Pacific Financial Inc. (CPF) on Wednesday reported net income of $22.
MARKET WIRESeekingAlpha • 4d ago
Central Pacific Financial Corp. (CPF) Q3 2026 Earnings Call TranscriptCentral Pacific Financial Corp. (CPF) Q3 2026 Earnings Call October 28, 2026 2:00 PM EDTCompany ParticipantsJayrald Rabago - Senior Strategic Financial...
MARKET WIREBenzinga • 4d ago
Central Pacific Financial Q3 2026 Earnings Call TranscriptCentral Pacific Financial (NYSE:CPF) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.Benzinga APIs provide real-time access to
MARKET WIRESeekingAlpha • 4d ago
Central Pacific Financial Corp. 2026 Q3 - Results - Earnings Call Presentation2026-10-28. The following slide deck was published by Central Pacific Financial Corp.
MARKET WIREFintel • 4d ago
Central Pacific Financial Corp. Reports Third Quarter 2026 Earnings of $22.8 MillionON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (CPF Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CPF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.26%▲ RESISTANCE BREAKOUT
2026-10-30O $38.80H $38.80L $37.74C $38.69VOL 163.8K
RES: $36.99SUP: $33.92SMA50: $37.05SMA200: $35.42
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
CPF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #79 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 #79 by composite RQD confidence (73/100, 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. CPF currently leads its immediate peer cohort in composite quantitative strength at 73/100 (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 | 73/100 | 12.7x | — | 13.1% | +2.11% | $984.4M | Benchmark Subject |
| HAFC Hanmi Financial Corporation | C+ | 68/100 | 12.9x | — | 7.5% | +1.32% | $982.3M | /hafc-vs-cpf → |
| CAC Camden National Corporation | C- | 61/100 | 15.2x | — | 9.4% | +0.43% | $989.2M | /cac-vs-cpf → |
| SBSI Southside Bancshares Inc. | B- | 71/100 | 14.3x | — | 8.2% | +5.25% | $992.3M | /sbsi-vs-cpf → |
| TRST TrustCo Bank Corp NY | D+ | 55/100 | 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 0000701347In 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 ENABLEDIs CPF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Central Pacific Financial Corp (NYSE: CPF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 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 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CPF ranks #79 in composite RQD confidence.
How does CPF compare to HAFC and CAC in the Financials sector?
Within the Financials sector (Major Banks), CPF carries a Roarable B (73/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 13.1%. By comparison, HAFC (Hanmi Financial Corporation) holds a C+ grade (68/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CAC (Camden National Corporation) posts a C- grade (61/100 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).
What are the biggest fundamental strengths and SEC risk factors for CPF?
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.
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 +4.43% above its 50-day simple moving average ($37.05) and +9.23% above its 200-day simple moving average ($35.42). Across its 52-week range of $28.26 to $40.99, CPF sits at the 81.9% percentile with a 14-day RSI of 59.6 (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 × FREDWhy is CPF stock moving today?
Why CPF Stock surged +2.11% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.