CPF trades 21.9% above Wall Street's consensus target of $28.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CPF achieves its forward estimates and maintains a stable P/E multiple of 11.0x. This scenario reflects the blended consensus of 8 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of June 23, 2026, Central Pacific Financial Corp. (CPF) has a Wall Street consensus price target of $28.00, based on estimates from 8 covering analysts. With the stock currently trading at $36.28, this represents a potential downside of -21.9%. The company has a market capitalization of $947M.
Analyst price targets range from a low of $26.00 to a high of $30.00, representing a 14% spread in expectations. The median target of $28.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, CPF trades at a trailing P/E of 12.6x and forward P/E of 11.0x. The forward PEG ratio of 0.65 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +7.3% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $46.45, with bear and bull scenarios of $29.26 and $61.20 respectively. Model confidence stands at 47/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
BOHBank of Hawaii Corporation | $3.1B | $79.18 | $82.00 | +5.3% | Hold | 13.0x | 15 |
HBBHamilton Beach Brands Holding Company | $274M | $20.39 | — | — | Hold | 12.8x | 1 |
FHBFirst Hawaiian, Inc. | $3.5B | $28.34 | $27.75 | -0.6% | Hold | 12.0x | 17 |
BPOPPopular, Inc. | $10.6B | $162.73 | $159.33 | +0.1% | Buy | 10.6x | 20 |
WAFDWaFd, Inc. | $2.8B | $36.80 | $35.00 | -4.1% | Hold | 11.2x | 11 |
BANRBanner Corporation | $2.2B | $65.54 | $64.25 | -0.9% | Hold | 10.5x | 13 |
COLBColumbia Banking System, Inc. | $7.3B | $30.87 | $32.90 | +7.7% | Buy | 10.0x | 19 |
HFWAHeritage Financial Corporation | $955M | $28.08 | $31.33 | +12.2% | Buy | 13.6x | 14 |
PFISPeoples Financial Services Corp. | $628M | $62.73 | $56.00 | -10.0% | Hold | 9.6x | 1 |
CVBFCVB Financial Corp. | $2.9B | $21.05 | $24.75 | +18.9% | Hold | 14.5x | 16 |
Quick answers to the most common questions about buying CPF stock.
CPF's consensus price target is $28, -21.9% below the current price of $36.28. The 8 analysts tracking CPF see downside risk at present valuations.
CPF has a consensus rating of "Hold" based on 8 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $28 implies -21.9% downside from current levels.
With a forward P/E of 10.9744x, CPF trades at a relatively low valuation. The consensus target of $28 implies -21.9% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $30 for CPF, while the most conservative target is $26. The consensus of $28 represents the median expectation. Our quantitative valuation model projects a bull case target of $61 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CPF is moderately covered, with 8 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CPF stock forecast based on 8 Wall Street analysts shows a consensus price target of $28, with estimates ranging from $26 (bear case) to $30 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $46, with bear/bull scenarios of $29/$61.
Our quantitative valuation model calculates CPF's fair value at $46 (base case), with a bear case of $29 and bull case of $61. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 47/100.
CPF trades at a forward P/E ratio of 11.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.6x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on CPF, with 0 Sell ratings and a price target of $28 (-21.9% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CPF analyst price targets range from $26 to $30, a 14% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $28 consensus represents the middle ground. Our model's $29-$61 range provides an independent fundamental perspective.
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