CPF trades 7.9% below Wall Street's consensus target of $41.33.
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 11.5x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Central Pacific Financial Corp. (CPF) has a Wall Street consensus price target of $41.33, based on estimates from 9 covering analysts. With the stock currently trading at $38.30, this represents a potential upside of +7.9%. The company has a market capitalization of $1000M.
Analyst price targets range from a low of $38.00 to a high of $43.00, representing a 12% spread in expectations. The median target of $43.00 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,6 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 11.3x and forward P/E of 11.5x. The forward PEG ratio of 0.69 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -1.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $52.69, with bear and bull scenarios of $33.20 and $69.42 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 BOHBank of Hawaii Corporation | $2.7B | $69.64 | $82.67 | +18.7% | Hold | 11.7x | 15 |
 HBBHamilton Beach Brands Holding Company | $434M | $32.16 | — | — | Hold | 20.1x | 1 |
 FHBFirst Hawaiian, Inc. | $3.0B | $24.98 | $30.25 | +21.1% | Hold | 11.2x | 18 |
 BPOPPopular, Inc. | $10.1B | $156.52 | $189.67 | +21.2% | Buy | 9.7x | 21 |
 WAFDWaFd, Inc. | $2.2B | $29.43 | $31.50 | +7.0% | Hold | 8.9x | 11 |
 BANRBanner Corporation | $2.4B | $70.09 | $75.25 | +7.4% | Hold | 11.9x | 13 |
 COLBColumbia Banking System, Inc. | $8.6B | $30.48 | $33.67 | +10.5% | Buy | 9.9x | 19 |
 HFWAHeritage Financial Corporation | $1.2B | $28.39 | $32.50 | +14.5% | Buy | 14.5x | 14 |
 PFISPeoples Financial Services Corp. | $723M | $72.24 | $56.00 | -22.5% | Hold | 11.2x | 1 |
 CVBFCVB Financial Corp. | $3.3B | $22.74 | $26.67 | +17.3% | Hold | 14.3x | 16 |
Quick answers to the most common questions about buying CPF stock.
The consensus price target for CPF is $41.33, close to the current price of $38.3 (7.9% implied move). Based on 9 analyst estimates, the stock appears fairly valued near current levels.
CPF has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 6 Hold ratings making up the largest segment. The consensus 12-month price target of $41.33 implies 7.9% upside from current levels.
With a forward P/E of 11.5153x, CPF trades at a relatively low valuation. The consensus target of $41.33 implies 7.9% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $43 for CPF, while the most conservative target is $38. The consensus of $41.33 represents the median expectation. Our quantitative valuation model projects a bull case target of $69 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CPF is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 6 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 9 Wall Street analysts shows a consensus price target of $41.33, with estimates ranging from $38 (bear case) to $43 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $53, with bear/bull scenarios of $33/$69.
Our quantitative valuation model calculates CPF's fair value at $53 (base case), with a bear case of $33 and bull case of $69. 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 49/100.
CPF trades at a forward P/E ratio of 11.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.3x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
CPF appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $41.33 target. Consider your investment thesis and risk tolerance. 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 $38 to $43, a 12% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $41.33 consensus represents the middle ground. Our model's $33-$69 range provides an independent fundamental perspective.
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