Coffee Holding Co. Inc. Common Stock (JVA)

FairStock Score: 76/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business: Coffee Holding is a 92-employee coffee roaster and distributor. It sells wholesale green coffee and private-label packaged coffee, a competitive, commodity-like arena. There is no obvious wide moat; scale is small and customers can switch suppliers. Still, the balance sheet is respectable: debt-to-equity is 0.13, Altman Z-Score is 3.77, and Piotroski F-Score is 7/9, all FairStock calculations. The turnaround is real: in fiscal year 2023, net income was a loss of $835,576; in fiscal year 2024, net income was $2.2M; and in fiscal year 2025, net income was $1.4M. In fiscal Q3 2026, the quarter ended 2026-07-31, revenue was $21.7M and net income was $2.0M, versus a net loss of $1.2M in fiscal Q3 2025, the quarter ended 2025-07-31. That profit improvement is encouraging, and FairStock tags it a TURNAROUND because it returned to profit after a loss within the last three years. Cash generation is striking: trailing-twelve-month free cash flow was $7.4M, a 28.3% FCF yield on the $26.0M market cap, per FairStock. At the 2026-10-13 close of $4.56, FairStock's P/E is 5.49, P/B is 0.84, EV/EBITDA is 3.68, and the Graham Number is $10.07, implying a 54.72% margin of safety. Those are statistically cheap numbers. But fiscal Q3 2026 revenue fell from $23.9M a year earlier to $21.7M, and FairStock reports revenue growth of -9.30%. ROCE is 8.44%, not a high-return franchise. I would want evidence that recent profits and cash flow are durable, not just one favorable quarter. The price may be cheap, but the quality is ordinary and sales are shrinking.

In plain English: Coffee Holding makes, roasts, packages and sells coffee, mostly as a wholesale supplier and private-label producer. The business looks better than it did a few years ago: it has moved from losses to profits and generates meaningful cash, though sales in the latest quarter were lower than a year earlier. At $4.56 a share, the price looks cheap compared with its recent profits and accounting value, but this is a tiny, volatile company and the sales trend needs watching.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-07-31) · fiscal Q2 2026 10-Q (period ended 2026-04-30) · fiscal Q1 2026 10-Q (period ended 2026-01-31) · fiscal Q3 2025 10-Q (period ended 2025-07-31) · FY2025 10-K (period ended 2025-10-31) · FY2024 10-K (period ended 2024-10-31) · FY2023 10-K (period ended 2023-10-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer