Central Pacific Financial Corp

CPF exhibits a Bearish Pivot Point signaling failure of upside control and has formed lower highs and lower lows, confirming medium-term downtrend. Price has rejected at the 9/20/50-day EMA cluster with declining momentum in an oversold context but without a meaningful bounce. We initiate Sell Now at EMA resistance to participate in the continuation of structural decline while long-term uptrend remains supported by a rising 200 DMA.

• ↑Q4 net income $22.9M (+23% QoQ) supports low-single-digit loan growth outlook.
• ↑ROE 13.9%; dividend +3.4% to $0.30; $16.3M in share repurchases.
• ↓Residential mortgages and HELOCs declined, yielding low-single-digit loan growth guidance.