C&F Financial Corp. SEC Filings

C&F Financial Corporation filed a current report to announce that its Board of Directors appointed Dr. David H. Downs as a director of the Corporation, effective February 24, 2026. He will serve in this role until the annual meeting of shareholders in April 2026, when he will stand for election as a Class III director.

The company states that there are no arrangements or understandings with any other person under which Dr. Downs was selected as a director. He will be compensated for his board service in the same manner as other non-employee directors. The appointment was also announced via a news release, which is included as Exhibit 99.1.

C&F Financial Corporation reported that its board authorized a new share repurchase program of up to $5.0 million of common stock. The program will run from January 1, 2026 through December 31, 2026 and allows the company to buy shares in the open market or through privately negotiated transactions, including under Rule 10b5-1 and Rule 10b-18 trading plans. Any shares repurchased will be restored to authorized and unissued status. Management will decide if and when to repurchase shares based on market price, economic conditions, legal requirements and other factors, and there is no assurance any shares will actually be bought. The company’s current repurchase program will expire on December 31, 2025.

C&F Financial Corporation reported that its board of directors has declared a cash dividend. According to the disclosure, the dividend will be payable on January 1, 2026. The company communicated this decision through a news release issued on November 19, 2025, which is referenced in the report as an exhibit. This action signals the company’s ongoing practice of returning cash to shareholders through regular dividend payments, although the specific dividend amount is not detailed in this excerpt.

C&F Financial Corporation (CFFI) reported Q3 2025 results. Net income was $7.1 million with EPS of $2.18. Net interest income reached $27.2 million after $2.9 million in provision for credit losses. Noninterest income was $8.8 million and noninterest expenses were $24.3 million, producing income before taxes of $8.8 million.

At quarter-end, total assets were $2.71 billion, deposits $2.30 billion, and loans, net, $1.97 billion. Securities available for sale stood at $439.0 million (fair value). Accumulated other comprehensive loss improved to $(14.4) million, and comprehensive income attributable to the company was $14.0 million.

For the nine months, net income was $20.3 million (EPS $6.22). Operating cash flow was $22.3 million, investing cash flow was $(104.6) million, and financing cash flow was $112.8 million. The allowance for credit losses was $39.4 million, and nonaccrual loans totaled $2.49 million. Shares outstanding were 3,238,232 as of November 3, 2025.

C&F Financial Corporation filed an 8-K reporting that it issued a news release announcing financial results for the three and nine months ended September 30, 2025. The release is furnished as Exhibit 99.1 and incorporated by reference under Item 2.02.

The company’s common stock trades on NASDAQ under the symbol CFFI. The report is dated October 23, 2025.

C&F Financial Corp (CFFI) insider Thomas F. Cherry, President & CEO and a director, reported a sale of 1,205 shares of common stock on 08/22/2025 at a price of $71 per share. After the transaction he beneficially owned 38,402 shares. The Form 4 was signed by an attorney-in-fact on 08/25/2025. No derivative transactions or additional explanations were included.

C&F Financial Corporation reported that its board of directors has declared a cash dividend payable on October 1, 2025. The company disclosed this action in connection with a news release dated August 20, 2025, which is referenced as an exhibit. This filing is presented as a Regulation FD disclosure, meaning the company is sharing this dividend information broadly with the market at the same time.

C&F Financial Corp (CFFI) Form 144: The filer notifies a proposed sale of 1,205 common shares by or for the account of a person who acquired those shares as vested RSAs on 03/01/2024. The broker listed is C&F Wealth Management, Midlothian VA and the securities are to be sold approximately on 08/19/2025 on Nasdaq. The filing reports an aggregate market value of $81,289.30 for the shares and states there were 39,607 shares outstanding at the time of the notice. The filer represents no undisclosed material adverse information and attests to compliance with Rule 144.

C&F Financial Corporation reported sustained growth in the first half of 2025, with total assets of $2.69 billion, up from $2.56 billion at year-end 2024, and loans net of allowance increasing to $1.952 billion. Deposits rose to $2.256 billion. Net interest income for the six months reached $51.5 million versus $47.0 million a year earlier, after a provision for credit losses of $5.1 million. The company generated $13.2 million of net income for the six months, delivering $4.03 basic and diluted earnings per share.

The balance sheet shows available-for-sale securities with an amortized cost of $459.7 million and unrealized losses of $25.8 million, and total equity of $240.9 million. Management completed a financing transaction, issuing $40.0 million of subordinated notes due 2035 and repurchasing $20.0 million of prior subordinated notes. Allowance for credit losses was $39.6 million at June 30, 2025, and nonaccrual loans totaled $1.772 million.