Director David Hendrick Downs reports 850 C&F Financial (CFFI) shares

Rhea-AI Filing Summary

C & F Financial Corp director David Hendrick Downs filed an initial statement of beneficial ownership on a Form 3. He reported direct ownership of 850 shares of Common Stock as of February 24, 2026. This filing establishes his baseline equity position as an insider.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Downs David Hendrick

(Last) (First) (Middle)

3600 LAGRANGE PKWY

(Street)

TOANO VA 23168

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
02/24/2026

3. Issuer Name and Ticker or Trading Symbol
C & F FINANCIAL CORP [ CFFI ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	850	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Matthew B. Guth, Attorney-in-Fact	02/25/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the CFFI Form 3 filing by David Hendrick Downs show?

The Form 3 filing shows that director David Hendrick Downs beneficially owns 850 shares of C & F Financial Corp Common Stock. This establishes his initial reported ownership as an insider under SEC rules for directors and key shareholders.

How many C & F Financial Corp (CFFI) shares does David Hendrick Downs own?

David Hendrick Downs reported beneficial ownership of 850 shares of C & F Financial Corp Common Stock. These shares are listed as directly owned, providing a clear baseline of his equity stake as a company director in this initial disclosure.

Is the CFFI Form 3 for David Hendrick Downs a buy or sell transaction?

The CFFI Form 3 for David Hendrick Downs does not report a buy or sell transaction. It is an initial ownership filing showing his direct beneficial ownership of 850 Common Stock shares, rather than documenting a specific trade in the company’s stock.

What is the significance of a Form 3 filing for CFFI insiders?

A Form 3 filing provides an insider’s initial beneficial ownership in CFFI. For David Hendrick Downs, it records direct ownership of 850 Common Stock shares, creating a reference point for any future Form 4 or Form 5 transaction disclosures involving his holdings.

Does the CFFI Form 3 indicate indirect or direct ownership for Downs?

The Form 3 indicates direct ownership for David Hendrick Downs. The ownership code is listed as “D” for direct, and he reports holding 850 shares of C & F Financial Corp Common Stock in his own name rather than through an intermediary entity.