C & F FINANCIAL CORP

Listed Company

CFFICIK 0000913341NasdaqAcceleratedSmaller ReportingState Commercial BanksVirginiaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$26.84M

Total Assets

$2.77B

Equity

$261.75M

Shares Out

3.25M

Op. Cash Flow

$24.49M

CFFI$82.67+26.15% · past yearDBEQ Basic

Daily closing prices

Business

C&F Financial Corporation is a bank holding company that owns Citizens and Farmers Bank, an independent Virginia-chartered commercial bank with over 30 branches. The corporation provides community banking services including deposits, loans, wealth management and insurance; mortgage banking with loan origination for secondary-market sale; and consumer finance focused on automobile lending to prime and non-prime borrowers. Operations span three reportable segments: community banking, mortgage banking, and consumer finance.

Summary from 10-K filed 2026-03-03

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	136	127	111	91	88
Interest on interest-bearing deposits in other banks	2	1	1	—	—
U.S. treasury, government agencies and corporations	1	2	3	3	705,000
Mortgage-backed securities	6	4	4	3	2
Tax-exempt obligations of states and political subdivisions	4	4	3	2	2
Taxable obligations of states and political subdivisions	770,000	739,000	726,000	656,000	386,000
Corporate and other	1	1	1	927,000	615,000
Total interest income	151	140	124	101	94
Savings and interest-bearing deposits	8	7	5	2	1
Time deposits	31	31	15	3	4
Borrowings	4	3	5	2	2
Trust preferred capital notes	1	1	1	1	1
Total interest expense	45	43	26	8	—
Net interest income	106	97	98	93	85
Provision for credit losses	12	13	8	3	575,000
Net interest income after provision for credit losses	95	84	89	90	85
Gains on sales of loans	8	6	6	7	22
Interchange income	6	6	6	6	6
Service charges on deposit accounts	4	4	4	4	4
Investment income from other equity interests	741,000	960,000	677,000	3	456,000
Mortgage banking fee income	3	2	2	3	6
Wealth management services income, net	3	3	3	2	3
Mortgage lender services income	3	2	2	2	2
Other service charges and fees	2	2	2	2	2
Net losses on sales, maturities and calls of available for sale securities	—	—	−5,000	—	42,000
Other income, net	5	4	4	−377,000	4
Total noninterest income	35	31	30	29	50
Salaries and employee benefits	57	54	55	48	59
Occupancy	9	8	8	9	9
Data processing	12	11	11	11	11
Professional fees	4	4	3	3	3
Insurance expense	2	2	2	1	1
Marketing and advertising expenses	2	1	2	2	2
Loan processing and collection expenses	3	3	3	4	3
Other	8	7	7	6	9
Total noninterest expenses	96	90	90	83	97
Income before income taxes	33	24	29	37	38
Income tax expense	6	4	5	8	9
Net income	27	20	24	29	29
Less net income attributable to noncontrolling interest	156,000	84,000	142,000	210,000	456,000
Net income attributable to C&F Financial Corporation	27	20	24	29	29
Net income per share - basic (in dollars per share)	8.29	6.01	6.92	8.29	7.95
Net income per share - diluted (in dollars per share)	8.29	6.01	6.92	8.29	7.95

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	14	16	16	20	20
Interest-bearing deposits in other banks	66	49	59	7	248
Total cash and cash equivalents	79	66	75	27	268
Securities-available for sale at fair value, amortized cost of $471,036 and $448,616, respectively	458	419	462	513	—
Loans held for sale, at fair value	41	20	14	14	82
Loans, net of allowance for credit losses of $39,677 and $40,087, respectively	2,015	1,880	1,702	1,595	—
Restricted stock, at cost	4	4	3	1	1
Corporate premises and equipment, net	39	40	42	44	45
Other real estate owned, net of valuation allowance of $215 and $215, respectively	1	1	0	—	—
Accrued interest receivable	12	11	10	9	7
Goodwill	25	25	25	25	25
Other intangible assets, net	909,000	1	1	2	2
Bank-owned life insurance	22	21	21	21	21
Net deferred tax asset	14	18	19	22	14
Other assets	58	58	62	60	57
Total assets	2,768	2,563	2,438	2,332	2,265
Noninterest-bearing demand deposits	544	526	549	605	582
Savings, money market and interest-bearing demand deposits	906	826	844	1,017	907
Time deposits	896	818	673	381	426
Total deposits	2,346	2,171	2,066	2,004	1,915
Short-term borrowings	20	29	58	37	35
Long-term borrowings	68	68	26	30	—
Trust preferred capital notes	25	25	25	25	25
Accrued interest payable	4	4	3	950,000	715,000
Other liabilities	43	39	42	39	48
Total liabilities	2,506	2,336	2,221	2,136	2,053
Commitments and contingent liabilities (Note 18)	—	—	—	—	—
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,245,972 and 3,233,672 shares issued and outstanding, respectively, includes 100,578 and 119,778 of unvested shares, respectively)	3	3	3	3	3
Additional paid-in capital	1	36,000	7	12	15
Retained earnings	269	248	234	217	194
Accumulated other comprehensive loss, net	−11	−25	−27	−37	−2
Equity attributable to C&F Financial Corporation	262	226	217	196	210
Noncontrolling interest	595,000	610,000	638,000	599,000	706,000
Total equity	262	227	218	196	211
Total liabilities and equity	2,768	2,563	2,438	2,332	2,265

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Accretion of certain acquisition-related discounts, net	−338,000	−612,000	−989,000	−1	−3
Share-based compensation	2	2	2	2	2
Depreciation and amortization	4	4	4	4	5
Amortization of premiums and accretion of discounts on securities, net	−387,000	1	1	2	4
Deferred income taxes	154,000	474,000	902,000	708,000	−90,000
Reversal of provision for indemnifications	−190,000	−460,000	−585,000	−858,000	−104,000
Income from bank-owned life insurance	−576,000	−849,000	−388,000	−620,000	−526,000
Pension expense	719,000	882,000	925,000	639,000	2
Pension contribution	−1	−1	—	−2	—
Proceeds from sales of loans held for sale	667	526	505	773	1,613
Origination of loans held for sale	−678	−529	−498	−699	−1,468
Gains on sales of loans held for sale	−8	−6	−6	−7	−22
Other gains, net	−303,000	−126,000	−44,000	−3	−591,000
Accrued interest receivable	−1	−194,000	−1	−2	1
Other assets	2	8	−2	−3	1
Accrued interest payable	−658,000	910,000	3	235,000	−394,000
Other liabilities	551,000	−1	−685,000	−5	−6
Net cash provided by operating activities	24	37	39	91	157
Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities	66	101	101	55	114
Purchases of securities available for sale	−88	−56	−39	−242	−209
Proceeds from (purchases of) time deposits, net	484,000	977,000	−7,000	—	—
Repayments on loans held for investment by non-bank affiliates	165	159	159	175	161
Purchases of loans held for investment by non-bank affiliates	−175	−170	−162	−284	−217
Net increase in community banking loans held for investment	−136	−178	−111	−117	3
Purchases of corporate premises and equipment	−2	−3	−1	−3	−5
Other investing activities, net	−51,000	71,000	−2	1	1
Net cash used in investing activities	−169	−147	−56	−411	−139
Net increase (decrease) in demand, savings and money market deposits	97	−40	−230	134	206
Net increase in time deposits	78	145	292	−44	−44
Net (decrease) increase in repurchase agreements and other short-term borrowings	−29	−29	22	—	—
Proceeds from long-term borrowings	40	40	—	—	—
Repayments of long-term borrowings	−20	—	−4	—	—
Repurchases of common stock	−943,000	−9	−8	−5	−8
Cash dividends paid	−6	−6	−6	−6	−6
Other financing activities, net	−562,000	−382,000	−132,000	−338,000	−711,000
Net cash provided by financing activities	158	101	66	80	162
Net increase (decrease) in cash and cash equivalents	14	−10	48	−241	181
Interest paid	46	42	24	8	9
Income taxes paid	6	523,000	6	8	11
Transfers from corporate premises and equipment to other real estate owned	—	2	—	423,000	—
Adoption of new accounting standard	—	—	1	—	—
Liabilities assumed to acquire right of use assets at lease commencement	867,000	3	775,000	888,000	—
Transfers from loans held for sale to loans held for investment	699,000	2	1	1	3

Filings

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Frequently asked questions

What is C & F FINANCIAL CORP's CIK number?

C & F FINANCIAL CORP's SEC CIK number is 0000913341 (913341). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find C & F FINANCIAL CORP's SEC filings?

All of C & F FINANCIAL CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did C & F FINANCIAL CORP last report earnings?

C & F FINANCIAL CORP (CFFI) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000913341-26-000021). This is C & F FINANCIAL CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is C & F FINANCIAL CORP's most recent earnings 8-K?

C & F FINANCIAL CORP's latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0000913341-26-000021. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View C & F FINANCIAL CORP's latest earnings 8-K →
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