Stock Ratings / Financials / CPF / options

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Central Pacific Financial Corp (CPF) Options Positioning, Max Pain & Unusual Sweeps

$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.

📊 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) →

ROARABLE B • BUY Cap $984.4M

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

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 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

Q2 (-2Q)

Grade B-$36.48+3.3% Next Q

Q3 (-1Q)

Grade B$37.69+2.7% Next Q

Current

Grade B$38.69+7.1% Hist 90D α

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

Gideon Ashmere Forensic Desk →

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”

YES 73%NO 27%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.3%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CPF)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CPF.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CPF & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CPF
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

🦋 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 #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 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?

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).