CHCO vs CPF Stock Comparison
Compare CHCO and CPF across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between CHCO and CPF?
CPF leads the current stock comparison as Central Pacific Financial Corp., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
City Holding Company vs Central Pacific Financial Corp.
CPF leads
CPF leads by 3 AIQ points, primarily on Value and Quality. Wall Street currently favors CHCO on target upside.
Fragile: 2 of 6 evidence groups support CPF, and its signal state is cleanly positive.
City Holding Company
Central Pacific Financial Corp.
The Algovestiq AIQ Score currently favors CPF over CHCO, 58 versus 55 as of Sep 6, 2026. CPF's advantage is driven primarily by stronger value and quality, while CHCO holds the stronger momentum profile. CPF also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors CHCO. 2 of 6 covered evidence groups favor CPF today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 3 points. CPF lead: Stable — the AIQ differential has held near 3 points over 30 sessions.
Compare City Holding Company and Central Pacific Financial Corp. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare CHCO and CPF against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value30%37 vs 51CPF +14
- Momentum25%60 vs 47CHCO +13
- Quality30%67 vs 71CPF +4
- Risk Resilience15%59 vs 63CPF +4
2 of 6 evidence groups favor CPF. CPF’s edge is concentrated in value and quality; CHCO keeps a meaningful momentum edge.
What changed since the last close
Latest scored session 2026-09-05, compared against the prior scored session 2026-09-04.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
CPF's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — CHCO and CPF both carry a full feed there.
The central trade-off
CPF (Central Pacific Financial Corp.): the stronger current systematic profile, led by value and quality.
CHCO (City Holding Company): the counter-case, on momentum, fundamentals, technicals.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
CPFCPF on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
CHCOCHCO on combined revenue and EPS growth.
Value
CPFCPF on the peer-relative Value factor, by 14 points.
Momentum
CHCOCHCO on the Momentum factor, by 13 points.
Lower downside
CPFCPF on Risk Resilience, by 4 points.
Analyst upside
CHCOCHCO on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors CPF, analyst targets favor CHCO. That disagreement is the most useful thing on this page.
| Measure | CHCO | CPF | Note |
|---|---|---|---|
| Implied upside to target | -10.7% | -21.4% | CHCO has more room |
| Target dispersion | 0% | 0% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 1 | 1 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor CPF. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 55 vs 58 |
| Fundamentals | CHCO | revenue growth -18.5% vs -52%; EPS growth 6.8% vs 1.3%; TTM ROE 16.4% vs 14%; gross margin 78.8% vs 76%; operating margin 38% vs 25.6% |
| Valuation | CPF | Value 37 vs 51 |
| Technicals | CHCO | Price vs 50-day 3.3% vs -0.7%; vs 200-day 13.9% vs 11.3% |
| Risk Resilience | CPF | Risk Resilience 59 vs 63 |
| Analyst expectations | CHCO | Target upside -10.7% vs -21.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of CHCO and CPF and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 3 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CPF.
How the comparison changed
120 daily snapshots · Apr 24 – Sep 5CPF lead: Stable — the AIQ differential has held near 3 points over 30 sessions.
- Today
- CPF +3
- 55 vs 58
- 7 sessions ago
- CPF +2
- 52 vs 54
- 30 sessions ago
- CPF +1
- 59 vs 60
- 90 sessions ago
- CPF +6
- 59 vs 65
The lead changed hands once in this window, most recently on Aug 18 when CHCO moved ahead of CPF.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.26%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
2 bullish / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (12.06%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
CHCO is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.43%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +1.01%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1CHCO closes the Value gap — currently 14 points behind, the largest single contributor to CPF's edge.
- 2CHCO's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3CPF's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CHCO leads on balance| Metric | CHCO | CPF |
|---|---|---|
| Revenue growth (YoY) | -18.5% | -52% |
| EPS growth (YoY) | 6.8% | 1.3% |
| Gross margin | 78.8% | 76% |
| Operating margin | 38% | 25.6% |
| Return on equity (TTM) | 16.4% | 14% |
| Debt to equity | 0.65 | 0.17 |
Performance
Split across windows| Metric | CHCO | CPF |
|---|---|---|
| 1 week (5 sessions) | 1.5% | 1% |
| 1 month (20 sessions) | 0.4% | -1.8% |
| 3 months (63 sessions) | 14.8% | 8.5% |
| 6 months (126 sessions) | 20.6% | 21.3% |
| Year to date | 22.1% | 22.6% |
| 1 year (252 sessions) | 13.3% | 23.4% |
Technicals
CHCO has the stronger structure| Metric | CHCO | CPF |
|---|---|---|
| RSI (14) | 49.5 | 47.9 |
| ADX (14) | 18.7 | 19.4 |
| Price vs 50-day | 3.3% | -0.7% |
| Price vs 200-day | 13.9% | 11.3% |
| Volatility (1M, annualized) | 12.4% | 16.4% |
Risk
CPF is the more resilient| Metric | CHCO | CPF |
|---|---|---|
| Beta | 0.17 | 0.49 |
| Sharpe ratio | 0.49 | 0.76 |
| Sortino ratio | 0.74 | 1.06 |
| Max drawdown | -10.4% | -12.3% |
| Current drawdown | -1.6% | -4.5% |
| Annualized volatility | 18.2% | 24.2% |
| Value at risk (95%) | -1.7% | -2.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, CHCO or CPF?
On the Algovestiq AIQ Score, CPF is the stronger of the two as of Sep 6, 2026, scoring 58 against CHCO's 55. The edge comes from value and quality. CHCO is not without a case — it holds the better momentum profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is CHCO or CPF the better buy right now?
CPF carries the stronger systematic profile as of Sep 6, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 3 points. Treat the lead as provisional.
Why does the AIQ Score favor CPF over CHCO?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. CPF leads Value by 14 points; CHCO leads Momentum by 13 points; CPF leads Quality by 4 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, CHCO or CPF?
Analyst price targets imply -10.7% upside for CHCO and -21.4% for CPF, so the Street currently favors CHCO. That points the opposite way to the AIQ Score, which favors CPF. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, CHCO or CPF?
CPF is the better-valued of the two on the peer-relative Value factor. CPF on the peer-relative Value factor, by 14 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, CHCO or CPF?
CHCO on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, CHCO or CPF?
CHCO on the Momentum factor, by 13 points. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, CHCO or CPF?
CPF is the more resilient of the two, so the other name carries the higher downside risk. CPF on Risk Resilience, by 4 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is CHCO more profitable than CPF?
CHCO leads on the comparable margin measures — gross margin 78.8% vs 76%; operating margin 38% vs 25.6%; ttm roe 16.4% vs 14%.
Is CPF's lead over CHCO getting stronger or weaker?
CPF lead: Stable — the AIQ differential has held near 3 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-24 and 2026-09-05. The lead has changed hands once in that window, most recently on 2026-08-18, when CHCO moved ahead of CPF.
What would change the CHCO vs CPF verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: CHCO closes the Value gap — currently 14 points behind, the largest single contributor to CPF's edge; CHCO's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; CPF's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about CHCO and CPF?
CHCO: 4 bullish / 1 bearish / 1 neutral, conflicted. CPF: 2 bullish / 0 bearish / 1 neutral. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on CHCO is Golden Cross Active (bullish, long horizon). On CPF it is Golden Cross Active (bullish, long horizon).
Compare CHCO and CPF with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.