as of 08-05-2026 4:00pm EST
C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum of its revenue from the Community Banking segment.
| Founded: | 1927 | Country: | United States |
| Employees: | N/A | City: | TOANO |
| Market Cap: | 253.8M | IPO Year: | 1996 |
| Target Price: | N/A | AVG Volume (30 days): | 3.0K |
| Analyst Decision: | N/A | Number of Analysts: | N/A |
| Dividend Yield: | Dividend Payout Frequency: | semi-annual | |
| EPS: | 2.08 | EPS Growth: | 37.94 |
| 52 Week Low/High: | $62.52 - $86.18 | Next Earning Date: | 04-23-2026 |
| Revenue: | $140,841,000 | Revenue Growth: | 10.63% |
| Revenue Growth (this year): | N/A | Revenue Growth (next year): | N/A |
| P/E Ratio: | 40.43 | Index: | N/A |
| Free Cash Flow: | 22.2M | FCF Growth: | N/A |
EVP, CHIEF CREDIT OFFICER
Avg Cost/Share
$84.61
Shares
650
Total Value
$54,996.50
Owned After
4,632
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$77.50
Shares
141
Total Value
$10,927.50
Owned After
39,369
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$78.50
Shares
30
Total Value
$2,355.00
Owned After
39,369
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$78.50
Shares
329
Total Value
$25,826.50
Owned After
39,369
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$75.56
Shares
678
Total Value
$51,229.68
Owned After
39,369
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$75.00
Shares
200
Total Value
$15,000.00
Owned After
39,369
SEC Form 4
EVP, CHIEF FINANCIAL OFFICER
Avg Cost/Share
$75.50
Shares
1,360
Total Value
$102,680.00
Owned After
10,083
SEC Form 4
PRESIDENT & CEO
Avg Cost/Share
$75.00
Shares
500
Total Value
$37,500.00
Owned After
39,369
SEC Form 4
Director
Avg Cost/Share
$73.00
Shares
1,025
Total Value
$74,825.00
Owned After
4,022
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Seaman John A III | CFFI | EVP, CHIEF CREDIT OFFICER | Aug 3, 2026 | Sell | $84.61 | 650 | $54,996.50 | 4,632 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | Jun 12, 2026 | Sell | $77.50 | 141 | $10,927.50 | 39,369 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | Jun 11, 2026 | Sell | $78.50 | 30 | $2,355.00 | 39,369 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | Jun 10, 2026 | Sell | $78.50 | 329 | $25,826.50 | 39,369 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | Jun 9, 2026 | Sell | $75.56 | 678 | $51,229.68 | 39,369 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | Jun 8, 2026 | Sell | $75.00 | 200 | $15,000.00 | 39,369 | |
| Long Jason E | CFFI | EVP, CHIEF FINANCIAL OFFICER | Jun 5, 2026 | Sell | $75.50 | 1,360 | $102,680.00 | 10,083 | |
| CHERRY THOMAS F | CFFI | PRESIDENT & CEO | May 27, 2026 | Sell | $75.00 | 500 | $37,500.00 | 39,369 | |
| Kelley Elizabeth R | CFFI | Director | May 13, 2026 | Sell | $73.00 | 1,025 | $74,825.00 | 4,022 |
SEC 8-K filings with transcript text
Jul 23, 2026 · 100% conf.
1D
-1.02%
$77.06
Act: +0.19%
5D
-3.32%
$75.27
20D
-4.10%
$74.66
2 cffi-20260723xex99d1.htm
Thursday, July 23, 2026
Contact:
Jason Long, CFO
(804) 843-2360
C&F Financial Corporation
Announces Net Income for Second Quarter and First Six Months
Toano, Va., July 23, 2026—C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.6 million for the second quarter of 2026, an increase of 11.1 percent, compared to $7.8 million for the second quarter of 2025. The Corporation reported consolidated net income of $15.4 million for the first six months of 2026, an increase of 17.2 percent, compared to $13.2 million for the first six months of 2025.
Included in net income for the second quarter and first six months of 2026 were the effects of the sale of an equity interest in Bearing Insurance Group, LLC (the “Bearing equity interest”), resulting in a pre-tax gain of $8.3 million, and a securities portfolio restructuring (the “Portfolio Restructuring”), which resulted in a pre-tax loss of $7.1 million. Adjusted net income, a non-GAAP measure, increased $116,000, or 1.5 percent, and $1.5 million, or 11.5 percent, for the second quarter and first six months of 2026, respectively, compared to the same periods of 2025, which excludes the effects of the items mentioned above. The following table presents selected financial performance highlights for the periods indicated:
For The Quarter Ended
For the Six Months Ended
Consolidated Financial Highlights (unaudited)
6/30/2026
3/31/2026
6/30/2025
6/30/2026
6/30/2025
Consolidated net income (000's)
$
8,626
$
6,794
$
7,767
$
15,420
$
13,162
Adjusted net income1
$
7,883
$
6,794
$
7,767
$
14,677
$
13,162
Earnings per share - basic and diluted
$
2.63
$
2.08
$
2.37
$
4.71
$
4.03
Adjusted earnings per share - basic and diluted1
$
2.40
$
2.08
$
2.37
$
4.48
$
4.03
Annualized return on average assets (ROA)
1.23
%
0.97
%
1.18
%
1.10
%
1.01
%
Adjusted annualized ROA1
1.13
%
0.97
%
1.18
%
1.05
%
1.01
%
Annualized return on average equity (ROE)
12.75
%
10.19
%
13.06
%
11.48
%
11.23
%
Adjusted annualized ROE1
11.65
%
10.19
%
13.06
%
10.92
%
11.23
%
Annualized return on average tangible common equity (ROTCE)1
14.08
%
11.28
%
14.70
%
12.69
%
12.72
%
Adjusted annualized ROTCE1
12.86
%
11.28
%
14.70
%
12.08
%
12.72
%
1 The Corporation uses non-GAAP measures of financial performance, including adjusted net income, adjusted earnings per share, adjusted annualized ROA, adjusted annualized ROE, annualized ROTCE and adjusted annualized ROTCE, to provide meaningful information about operating performance to investors by excluding the effects of certain items that management does not expect to have an ongoing impact on consolidated net income. Each of the non-GAAP measures listed in the prior sentence, for the second quarter and first six months of 2026, exclude the effects of the sale of the Bearing equity interest and the Portfolio Restructuring. For more information about these non-GAAP financial measures, which are not calculated in accordance with generally accepted accounting principles (GAAP), please see “Use of Certain Non-GAAP Financial Measures” and “Reconciliation of Certain Non-GAAP Financial Measures,” below.
“We are pleased with our second quarter results,” said Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation. “Strong loan growth in our community banking segment, increased mortgage originations in our mortgage banking segment, and margin expansion contributed to solid adjusted earnings for the quarter and first half of the year. In addition, our strategic initiatives to expand our geographic footprint into Southwest Virginia and restructure our securities portfolio are already generating positive results, and we expect these initiatives to continue supporting our performance over time.”
1
Key highlights for the second quarter and first six months of 2026 are as follows.
●Community banking segment loans grew $65.9 million, or 8.3 percent annualized, and $125.9 million, or 8.2 percent, compared to December 31, 2025 and June 30, 2025, respectively;
●Consumer finance segment loans decreased $7.7 million, or 3.3 percent annualized
Apr 23, 2026 · 100% conf.
1D
-1.55%
$73.43
Act: +1.64%
5D
-3.82%
$71.74
Act: -0.78%
20D
-4.36%
$71.34
Act: -2.80%
2 cffi-20260423xex99d1.htm
Thursday, April 23, 2026
Contact:
Jason Long, CFO and Secretary
(804) 843-2360
C&F Financial Corporation
Announces Net Income for First Quarter
Toano, Va., April 23, 2026—C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $6.8 million for the first quarter of 2026 compared to $5.4 million for the first quarter of 2025. The following table presents selected financial performance highlights for the periods indicated:
For The Quarter Ended
Consolidated Financial Highlights (unaudited)
3/31/2026
12/31/2025
3/31/2025
Consolidated net income (000's)
$
6,794
$
6,716
$
5,395
Earnings per share - basic and diluted
$
2.08
$
2.07
$
1.66
Annualized return on average assets
0.97
%
0.97
%
0.84
%
Annualized return on average equity
10.19
%
10.41
%
9.35
%
Annualized return on average tangible common equity1
11.28
%
11.67
%
10.65
%
1 For more information about these non-GAAP financial measures, which are not calculated in accordance with generally accepted accounting principles (GAAP), please see “Use of Certain Non-GAAP Financial Measures” and “Reconciliation of Certain Non-GAAP Financial Measures,” below.
“C&F started 2026 with strong momentum, delivering earnings per share growth of 25 percent year over year,” said Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation. “Higher net income at our community banking and mortgage banking segments more than offset lower earnings at our consumer finance segment, compared to March 31, 2025. Solid loan and deposit growth at our community banking segment, approximately a 58 percent jump in mortgage originations at our mortgage banking segment, and higher net interest margin all helped drive these results.
The U.S. economy stayed resilient in the first quarter, but risks are building, specifically with the conflict in the Middle East and potential associated impacts on interest rates, energy prices, and other economic effects. As conditions change, we are prepared to adapt quickly.”
Key highlights for the first quarter of 2026 are as follows.
●Community banking segment loans grew $24.1 million, or 6.1 percent annualized, and $133.2 million, or 9.0 percent, compared to December 31, 2025 and March 31, 2025, respectively;
●Consumer finance segment loans decreased $3.6 million, or 3.1 percent annualized, and decreased $1.5 million, or less than one percent, compared to December 31, 2025 and March 31, 2025, respectively;
●Deposits increased $53.7 million, or 9.2 percent annualized, and $182.8 million, or 8.2 percent, compared to December 31, 2025 and March 31, 2025, respectively. A portion of the increases in deposits compared to March 31, 2025 was due to the wind-down of the repurchase agreement program with certain commercial deposit customers during the third quarter of 2025. The balance of these repurchase agreements was $25.9 million at March 31, 2025;
●Consolidated annualized net interest margin was 4.27 percent for the first quarter of 2026 compared to 4.16 percent for the first quarter of 2025;
●The consumer finance segment experienced net charge-offs at an annualized rate of 2.98 percent of average total loans for the first quarter of 2026 compared to 2.86 percent and 2.64 percent for the fourth quarter and first quarter of 2025, respectively;
1
●Mortgage banking segment loan originations increased $65.9 million, or 57.9 percent, to $179.6 million for the first quarter of 2026 compared to the first quarter of 2025.
Community Banking Segment. The community banking segment reported net income of $7.1 million for the first quarter of 2026 compared to $5.4 million for the first quarter of 2025 due primarily to:
●higher interest income resulting from higher average balances of loans and cash reserves and higher average interest rates on securities;
partially offset by:
●higher salaries and employee benefits due primarily to the addition of a seasoned lending team with the expansion into Southwest Virginia in the third quarter of 2025 and annual compensation adjustments.
Average loans increased $135.2 million, or 9.2 percent, for the first quarter of 2026 compared to the first quarter of 2025 due primarily to growth in the commercial real estate, land acquisition and development, and equity lines segments of the loan portfolio. Average deposits increased $180.5 million, or 8.2 percent, for the first quarter of 2026 compared to the first quarter of 2025 due primarily to higher balances across all categories of deposits. A portion of the increase in ave
Jan 27, 2026 · 100% conf.
1D
+2.02%
$73.41
Act: -0.40%
5D
+4.12%
$74.92
Act: +10.62%
20D
+8.10%
$77.79
Act: +7.49%
C & F FINANCIAL CORPORATION_January 27, 2026 0000913341falseC & F FINANCIAL CORPORATION00009133412026-01-272026-01-27
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 27, 2026
(Exact name of registrant as specified in its charter)
Virginia 000-23423 54-1680165
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
3600 La Grange Parkway, Toano, Virginia 23168
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code (804) 843-2360
(Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol(s) Name of each exchange on which registered
Common Stock, $1.00 par value per share
The NASDAQ Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange of 1934 (§240.12b-2 of this chapter). Emer
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐
Item 2.02 Results of Operations and Financial Condition On January 27, 2026, C&F Financial Corporation (the Corporation) issued a news release announcing its financial results for the year ended December 31, 2025. A copy of the Corporation’s news release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into this Item 2.02. Item 9.01Financial Statements and Exhibits (d)Exhibits 99.1C&F Financial Corporation news release dated January 27, 2026 104 Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)
2
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
(Registrant)
Date: January 27, 2026 By: /s/ Jason E. Long
Jason E. Long
Chief Financial Officer and Secretary
3
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