C&F Financial Corp. Stock Price, News & Analysis

C&F Financial Corporation (NASDAQ: CFFI) reported Q3 2025 consolidated net income of $7.1 million, up 31.2% year-over-year, and $20.3 million for the first nine months, up 46.0% year-over-year. EPS was $2.18 for Q3 and $6.22 for the nine months. Consolidated annualized net interest margin was 4.24% for Q3 2025. Key drivers include community banking loan growth (+$112.9M vs 9/30/24), higher mortgage banking originations ($167.0M in Q3), and deposit growth (+$162.1M vs 9/30/24).

Credit trends: community banking recorded net reversals of provision for credit losses in Q3 2025; consumer finance saw higher net charge-offs (annualized 2.68% in Q3). Liquidity remained ample with liquid assets $441.4M and borrowing availability $612.3M as of September 30, 2025.

C&F Financial Corporation (NASDAQ:CFFI) has announced a quarterly cash dividend of $0.46 per share. The dividend will be payable on October 1, 2025, to shareholders of record as of September 15, 2025.

C&F operates through multiple business segments, including 31 banking offices and 5 commercial loan offices throughout Virginia. The company's subsidiaries provide various financial services, including wealth management through C&F Wealth Management, mortgage services through C&F Mortgage Corporation, and vehicle financing through C&F Finance Company in the Mid-Atlantic, Midwest, and Southern United States.

C&F Financial Corporation (NASDAQ: CFFI) reported strong financial results for Q2 2025, with consolidated net income of $7.8 million, up 54.3% from Q2 2024. For the first six months of 2025, net income reached $13.2 million, a 55.4% increase year-over-year.

The community banking segment showed impressive growth with loans increasing by $76.7 million (10.6% annualized) and deposits rising by $85.5 million (7.9% annualized) compared to December 2024. The mortgage banking segment saw loan originations increase by 46.2% to $213.5 million in Q2 2025. The company also completed a strategic expansion into Southwest Virginia, entering key markets including Roanoke, Lynchburg, Danville, Martinsville, and Blacksburg.

Additionally, CFFI issued $40 million in new subordinated notes while repurchasing $20 million of previously issued notes in June 2025.

C&F Financial Corporation (NASDAQ: CFFI) has announced a strategic expansion of its commercial banking operations into Southwest Virginia, targeting key markets including Roanoke, Lynchburg, Danville, Martinsville, and Blacksburg.

The expansion will be led by Matt Hubbard as Southwest Virginia Regional President, alongside two experienced professionals: Sally Siveroni as Commercial Credit Officer and James Little as Commercial Banking Relationship Manager. All three executives bring significant banking experience and strong community ties to their new roles.

C&F Bank currently operates 31 banking offices and five commercial loan offices throughout Virginia, offering full banking and wealth management services through its subsidiaries.

C&F Financial Corporation (NASDAQ:CFFI) has declared a regular cash dividend of $0.46 per share, payable on July 1, 2025 to shareholders of record on June 13, 2025. C&F Bank maintains 31 banking offices and 4 commercial loan offices across eastern and central Virginia, offering comprehensive financial services through its subsidiaries:

- C&F Wealth Management provides full wealth management services
- C&F Mortgage Corporation and C&F Select LLC offer mortgage loan origination
- C&F Finance Company operates as a regional finance company focusing on vehicle loans in the Mid-Atlantic, Midwest and Southern United States

C&F Financial (NASDAQ: CFFI) reported strong Q1 2025 financial results with consolidated net income of $5.4 million, up from $3.4 million in Q1 2024. Earnings per share increased to $1.66 from $1.01 year-over-year.

Key highlights include: Community banking segment loans grew 7.6% annualized, deposits increased 8.4% annualized, and consolidated net interest margin improved to 4.16%. Mortgage banking segment saw loan originations increase 20.6% to $113.8 million compared to Q1 2024, while the consumer finance segment showed improvement despite lower loan volumes.

The maintained strong capital positions, increased its quarterly dividend by 5% to 46 cents per share, and reported total consolidated equity growth. The allowance for credit losses remained stable at 1.18% of total loans for the community banking segment.

C&F Financial (NASDAQ:CFFI) has announced a 5 percent increase in its quarterly cash dividend to 46 cents per share, up from the previous 44 cents. The dividend will be payable on April 1, 2025, to shareholders of record as of March 14, 2025.

The company operates through multiple subsidiaries: C&F Bank with 31 banking offices and four commercial loan offices in Virginia, C&F Wealth Management providing full wealth management services, C&F Mortgage offering mortgage loan origination services, and C&F Finance Company focusing on vehicle loans in the Mid-Atlantic, Midwest and Southern United States.

C&F Financial (NASDAQ: CFFI) reported consolidated net income of $6.0 million for Q4 2024, up from $5.1 million in Q4 2023. However, annual net income decreased to $19.9 million in 2024 from $23.7 million in 2023.

Key highlights include: Community banking segment loans grew 14.1% year-over-year; deposits increased 5.1%; consolidated net interest margin was 4.13% in Q4 2024 versus 4.17% in Q4 2023. The mortgage banking segment increased loan originations by 32.8% to $130.4 million in Q4 2024, while the consumer finance segment faced challenges with higher charge-offs at 2.62% of average total loans in 2024 compared to 1.99% in 2023.

The company maintained strong liquidity with $288.1 million in liquid assets and $606.2 million in borrowing availability. Total consolidated equity increased, and the bank remains well-capitalized under regulatory requirements.

C&F Financial 's (NASDAQ:CFFI) board of directors has declared a regular cash dividend of 44 cents per share, payable January 1, 2025, to shareholders of record on December 13, 2024. C&F Bank operates 32 banking offices and four commercial loan offices across eastern and central Virginia, offering wealth management services through C&F Wealth Management. The company's mortgage and lending operations span multiple states through C&F Mortgage and C&F Finance Company, providing various loan services including automobile, marine, and recreational vehicle financing.