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CFFI

C&F FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
CFFI combines solid community-bank loan and deposit growth, higher margin, stronger mortgage originations, and potential benefit from its Virginia expansion. The deterministic prior is positive, but the low-coverage setup argues for moderation.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.3.
What can break
Analyst target, estimate-revision, options, and social-sentiment data are unavailable.
Momentum
93
Value
56
Sentiment
43
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $87.00 · Bull $99.00 · Bear $71.00Analysis 2026-07-31; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $115.00
Why
Momentum93 · Δ7d +0.9
Value56 · Δ7d -1.3
Sentiment43 · Δ7d -5.5
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.3.

Contradictions & invalidation

  • • Analyst target, estimate-revision, options, and social-sentiment data are unavailable.
  • • Consumer-finance loan runoff and elevated charge-offs could offset community-banking growth.
  • • The earnings increase included a nonrecurring Bearing equity-interest gain, while adjusted earnings growth was modest.

Catalyst clock

2026-07-23

Q2 earnings showed improving core profitability

Lead driver: Value · See fundamentals
Momentum
93
8% active weight
Current posture
7d trendFlat
Δ7d
+0.9
Δ21d
+5.8
Value
56
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-2.6
Sentiment
43
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
-15.0
Why this grade

Composite grade C. Momentum 92.7 / Value 56.4 / Sentiment 43.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method

B+
Bull case
25%
Probability
Target price
$99.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$87.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$71.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$349M
Beta
0.36
Shares Out
3.25M
P/E (TTM)
8.6
P/S (TTM)
1.64
P/FCF (TTM)
4.51
Rev YoY
+10.3%
EPS YoY
+10.9%
Gross Margin
-
Op Margin
+18.4%
Net Debt
$102.19M
Current Ratio
0.12
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data