CFFI
C&F FinancialANasdaq / Banks
Last Price
At close
2026-06-02
Current thesis
The May 7 securities shift should raise run-rate EPS and NIM, and Q1 already showed 25% year-over-year EPS growth, a 4.27% NIM, solid deposit growth, and a strong mortgage-originations rebound. The mix is improving rather than depending on one-off noise.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite.
What can break
Consumer finance still carries elevated credit risk: Q1 net charge-offs were 2.98% annualized and delinquent loans were 3.35% of total loans [#8-K-2026-04-23][#10-Q-2026-05-11].
Momentum
95
Value
63
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $74.00 · Bull $82.00 · Bear $66.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-06-02
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Why
Momentum95 · Δ7d -
Value63 · Δ7d -0.2
Sentiment53 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
95
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
32% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.1
Sentiment
53
33% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade A. Momentum 94.8 / Value 63.1 / Sentiment 53.3
Fundamentals (TTM)As of 2026-06-01
Fundamentals (TTM)
As of 2026-06-01
Market Cap
$239.36M
Beta
0.36
Shares Out
3.24M
P/E (TTM)
8.6
P/S (TTM)
1.64
P/FCF (TTM)
4.51
Rev YoY
+7.3%
EPS YoY
+32.1%
Gross Margin
-
Op Margin
+23.5%
Net Debt
$106.45M
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology