Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+1.60%
$110.38
100% positive prob.
5-Day Prediction
+4.61%
$113.66
100% positive prob.
20-Day Prediction
+7.73%
$117.04
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | BUY | +1.60% | +4.61% | +7.73% | 100.0% | Pending |
| Q2 2026 | SELL | -1.02% | -3.32% | -4.10% | 100.0% | Pending |
| Q1 2026 | SELL | -1.55% | -3.82% | -4.36% | 100.0% | -0.78% |
| Q4 2025 | BUY | +2.02% | +4.12% | +8.10% | 100.0% | +10.62% |
SEC 8-K filings with transcript text
Oct 26, 2026 · 100% conf.
1D
+1.60%
$110.38
Act: -0.24%
5D
+4.61%
$113.66
20D
+7.73%
$117.04
2 cffi-ex99d1.htm
Monday, October 26, 2026
Contact:
Jason Long, CFO
(804) 843-2360
C&F Financial Corporation
Announces Net Income for Third Quarter and First Nine Months of 2026
Toano, Va., October 26, 2026—C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.3 million for the third quarter of 2026, an increase of 16.1 percent, compared to $7.1 million for the third quarter of 2025. The Corporation reported consolidated net income of $23.7 million for the first nine months of 2026, an increase of 16.8 percent, compared to $20.3 million for the first nine months of 2025.
Included in net income for the first nine 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 $2.7 million, or 13.1 percent, for the first nine months of 2026, compared to the same period 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 Nine Months Ended
Consolidated Financial Highlights (unaudited)
9/30/2026
6/30/2026
9/30/2025
9/30/2026
9/30/2025
Consolidated net income (000's)
$
8,257
$
8,626
$
7,113
$
23,677
$
20,275
Adjusted net income1
$
8,257
$
7,883
$
7,113
$
22,934
$
20,275
Earnings per share - basic and diluted
$
2.55
$
2.63
$
2.18
$
7.26
$
6.22
Adjusted earnings per share - basic and diluted1
$
2.55
$
2.40
$
2.18
$
7.03
$
6.22
Annualized return on average assets (ROA)
1.18
%
1.23
%
1.06
%
1.13
%
1.02
%
Adjusted annualized ROA1
1.18
%
1.13
%
1.06
%
1.09
%
1.02
%
Annualized return on average equity (ROE)
11.86
%
12.75
%
11.60
%
11.60
%
11.36
%
Adjusted annualized ROE1
11.86
%
11.65
%
11.60
%
11.24
%
11.36
%
Annualized return on average tangible common equity (ROTCE)1
13.18
%
14.08
%
13.07
%
12.86
%
12.84
%
Adjusted annualized ROTCE1
13.18
%
12.86
%
13.07
%
12.45
%
12.84
%
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 nine months of 2026 excludes 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.
“Our third quarter performance reflects the strength of our diversified business model and disciplined execution of our strategic priorities,” said Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation. “Growth in community banking loans and a stronger net interest margin drove solid results. We also expanded into the Lynchburg, Virginia market with the opening of a loan production office. Credit quality remains good and consumer activity remains resilient despite inflation, elevated interest rates, and geopolitical uncertainty. We believe our strong financial position leaves us well positioned for the future.”
1
Key highlights for the third quarter and first nine months of 2026 are as follows.
●Community banking segment loans grew $102.8 million, or 8.6 percent annualized, compared to December 31, 2025 and $148.1 million, or 9.6 percent, compared to September 30, 2025;
●Consumer finance segment loans decreased $12.8 million, or 3.7 percent annualized, compared to December 31, 2025 and $11.8 million, or
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
This page provides C&F Financial Corporation (CFFI) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on CFFI's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.