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CFFI

C&F FinancialB
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
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Analyst target, estimate-revision, options, and social-sentiment data are unavailable.
Momentum
95
Value
63
Sentiment
57
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum95 · Δ7d -
Value63 · Δ7d 0.0
Sentiment57 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

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: Sentiment · See AI snapshot
Momentum
95
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
57
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 94.8 / Value 62.9 / Sentiment 57.1

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 2026-08-17
Market Cap
$279.52M
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 2026-09-10 • Updated nightlySource: Internal modelMethods & Data