CPF (Central Pacific Financial) Risk Assessment


CPF Central Pacific Financial Corp CPF
63 GF Score
Price $38.33
GF Value $30.16
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Central Pacific Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Central Pacific Financial is: High Risk: High uncertainty with risk-return tradeoff.

Central Pacific Financial  (NYSE:CPF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Central Pacific Financial Risk Assessment Related Terms

CPF vs WTBFA, MBWM, AMTB: Risk Assessment Comparison

For the Banks - Regional subindustry, Central Pacific Financial's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Central Pacific Financial Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Central Pacific Financial's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Central Pacific Financial's Risk Assessment falls into.


CPF
63GF Score
Central Pacific Financial Corp CPF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Central Pacific Financial (CPF) Overvalued in 2026?

Based on GuruFocus' analysis, Central Pacific Financial stock appears to be overvalued. The current stock price of $38.33 is trading 27.1% above its estimated GF Value™ of $30.16. GuruFocus considers Central Pacific Financial to be Modestly Overvalued.

Key valuation signals for CPF:

  • Risk Assessment:
  • GF Value™: $30.16 vs. price of $38.33 (27.1% above fair value)
  • GF Score™: 63/100 with 6 warning signs

No single metric tells the full story. See the CPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Central Pacific Financial Business Description

Address 220 South King Street, Honolulu, HI, USA, 96813
Central Pacific Financial Corp operates in the financial services sector in the United States. It is a full-service commercial bank offering a broad range of banking products and services, including accepting time and demand deposits and originating loans. Bank's deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. The bank is not a member of the Federal Reserve System. The company's loans include commercial loans, construction loans, commercial and residential mortgage loans, and consumer loans. The company derives income from interest and fees on loans, interest on investment securities, and fees received in connection with deposits and other services. It operates in single segment which is Banking operations.
63GF Score

Get the complete analysis for CPF

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.33
Price
$30.16
GF Value