CPF
Price
$32.33
Change
+$0.14 (+0.43%)
Updated
Dec 12 closing price
Capitalization
866.67M
53 days until earnings call
Intraday BUY SELL Signals
FRME
Price
$38.82
Change
+$0.03 (+0.08%)
Updated
Dec 12 closing price
Capitalization
2.24B
40 days until earnings call
Intraday BUY SELL Signals
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CPF vs FRME

Header iconCPF vs FRME Comparison
Open Charts CPF vs FRMEBanner chart's image
Central Pacific Financial
Price$32.33
Change+$0.14 (+0.43%)
Volume$152.31K
Capitalization866.67M
First Merchants
Price$38.82
Change+$0.03 (+0.08%)
Volume$288.32K
Capitalization2.24B
CPF vs FRME Comparison Chart in %
CPF
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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VS
CPF vs. FRME commentary
Dec 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CPF is a StrongBuy and FRME is a StrongBuy.

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COMPARISON
Comparison
Dec 14, 2025
Stock price -- (CPF: $32.19 vs. FRME: $38.79)
Brand notoriety: CPF and FRME are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CPF: 121% vs. FRME: 97%
Market capitalization -- CPF: $866.67M vs. FRME: $2.24B
CPF [@Regional Banks] is valued at $866.67M. FRME’s [@Regional Banks] market capitalization is $2.24B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.57B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

CPF’s FA Score shows that 1 FA rating(s) are green whileFRME’s FA Score has 2 green FA rating(s).

  • CPF’s FA Score: 1 green, 4 red.
  • FRME’s FA Score: 2 green, 3 red.
According to our system of comparison, CPF is a better buy in the long-term than FRME.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

CPF’s TA Score shows that 6 TA indicator(s) are bullish while FRME’s TA Score has 5 bullish TA indicator(s).

  • CPF’s TA Score: 6 bullish, 4 bearish.
  • FRME’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, CPF is a better buy in the short-term than FRME.

Price Growth

CPF (@Regional Banks) experienced а +5.16% price change this week, while FRME (@Regional Banks) price change was +3.16% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

CPF is expected to report earnings on Feb 04, 2026.

FRME is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+2.16% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FRME($2.25B) has a higher market cap than CPF($867M). CPF has higher P/E ratio than FRME: CPF (13.30) vs FRME (9.71). CPF YTD gains are higher at: 13.958 vs. FRME (-0.107). CPF has more cash in the bank: 107M vs. FRME (81.6M). CPF has less debt than FRME: CPF (158M) vs FRME (856M). FRME has higher revenues than CPF: FRME (648M) vs CPF (271M).
CPFFRMECPF / FRME
Capitalization867M2.25B39%
EBITDAN/AN/A-
Gain YTD13.958-0.107-13,036%
P/E Ratio13.309.71137%
Revenue271M648M42%
Total Cash107M81.6M131%
Total Debt158M856M18%
FUNDAMENTALS RATINGS
CPF vs FRME: Fundamental Ratings
CPF
FRME
OUTLOOK RATING
1..100
2171
VALUATION
overvalued / fair valued / undervalued
1..100
59
Fair valued
31
Undervalued
PROFIT vs RISK RATING
1..100
3561
SMR RATING
1..100
2616
PRICE GROWTH RATING
1..100
4754
P/E GROWTH RATING
1..100
5884
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FRME's Valuation (31) in the Regional Banks industry is in the same range as CPF (59). This means that FRME’s stock grew similarly to CPF’s over the last 12 months.

CPF's Profit vs Risk Rating (35) in the Regional Banks industry is in the same range as FRME (61). This means that CPF’s stock grew similarly to FRME’s over the last 12 months.

FRME's SMR Rating (16) in the Regional Banks industry is in the same range as CPF (26). This means that FRME’s stock grew similarly to CPF’s over the last 12 months.

CPF's Price Growth Rating (47) in the Regional Banks industry is in the same range as FRME (54). This means that CPF’s stock grew similarly to FRME’s over the last 12 months.

CPF's P/E Growth Rating (58) in the Regional Banks industry is in the same range as FRME (84). This means that CPF’s stock grew similarly to FRME’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CPFFRME
RSI
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
71%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
60%
Momentum
ODDS (%)
Bullish Trend 3 days ago
70%
Bullish Trend 3 days ago
51%
MACD
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 6 days ago
48%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
65%
Bullish Trend 3 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
63%
Bullish Trend 3 days ago
50%
Advances
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
55%
Declines
ODDS (%)
Bearish Trend 16 days ago
63%
Bearish Trend 5 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
67%
Aroon
ODDS (%)
Bullish Trend 3 days ago
64%
Bearish Trend 3 days ago
58%
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CPF
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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CPF and

Correlation & Price change

A.I.dvisor indicates that over the last year, CPF has been closely correlated with FCF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if CPF jumps, then FCF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CPF
1D Price
Change %
CPF100%
+0.69%
FCF - CPF
87%
Closely correlated
+0.82%
STBA - CPF
85%
Closely correlated
+0.50%
FHB - CPF
84%
Closely correlated
+0.38%
SBSI - CPF
84%
Closely correlated
+1.55%
FRME - CPF
84%
Closely correlated
+0.52%
More

FRME and

Correlation & Price change

A.I.dvisor indicates that over the last year, FRME has been closely correlated with STBA. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if FRME jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRME
1D Price
Change %
FRME100%
+0.52%
STBA - FRME
87%
Closely correlated
+0.50%
UBSI - FRME
87%
Closely correlated
+0.64%
BUSE - FRME
87%
Closely correlated
+0.64%
FFBC - FRME
87%
Closely correlated
+0.52%
EFSC - FRME
86%
Closely correlated
-0.30%
More