Here are the 10-K annual reports from C&F Financial Corp (CFFI) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CFFI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFFI filings page.
C&F Financial Corporation, a Virginia-based bank holding company, files its annual report outlining a diversified model across community banking, mortgage banking and consumer finance.
Community banking is the core business, with segment assets of $2.7 billion and net income of $27.2 million for the year ended December 31, 2025. Mortgage banking held $51.3 million of assets and generated $2.3 million of net income, while consumer finance, focused on indirect auto lending and a runoff marine/RV portfolio, reported $469.9 million of assets and $1.2 million of net income.
The company employs 575 people, emphasizing long‑tenured staff and internal promotion. The filing highlights extensive regulatory oversight, capital rules and consumer protection requirements, along with key risks from interest rate changes, credit losses in commercial real estate and auto loans, mortgage market volatility, economic downturns, cybersecurity threats and evolving U.S. banking regulation.