Earnings summaries and quarterly performance for C & F FINANCIAL.
Executive leadership at C & F FINANCIAL.
Thomas F. Cherry
Detailed
President and Chief Executive Officer
CEO
JE
Jason E. Long
Detailed
Executive Vice President, Chief Financial Officer and Secretary
JA
John A. Seaman, III
Detailed
Executive Vice President and Chief Credit Officer of C&F Bank
LG
Larry G. Dillon
Detailed
Executive Chairman
SD
S. Dustin Crone
Detailed
President and Chief Executive Officer of C&F Finance Company
Board of directors at C & F FINANCIAL.
AD
Audrey D. Holmes
Detailed
Director
CE
C. Elis Olsson
Detailed
Lead Independent Director
DA
D. Anthony Peay
Detailed
Director
ER
Elizabeth R. Kelley
Detailed
Director
GR
George R. Sisson III
Detailed
Director
JP
J. P. Causey Jr.
Detailed
Director
JT
James T. Napier
Detailed
Director
JO
Jeffery O. Smith
Detailed
Director
JR
Julie R. Agnew
Detailed
Director
PC
Paul C. Robinson
Detailed
Director
Research analysts covering C & F FINANCIAL.
Recent press releases and 8-K filings for CFFI.
C&F Financial Corporation Announces Strong Net Income for 2025
CFFI
Earnings
Dividends
Share Buyback
- C&F Financial Corporation reported consolidated net income of $6.7 million for the fourth quarter of 2025, an increase from $6.0 million in the fourth quarter of 2024. For the full year ended December 31, 2025, consolidated net income was $27.0 million, up from $19.9 million in 2024.
- Earnings per share (basic and diluted) were $2.07 for Q4 2025 and $8.29 for the full year 2025, compared to $1.87 and $6.01 for the respective periods in 2024.
- The company's annualized return on average assets was 0.97% for Q4 2025 and 1.01% for FY 2025, while annualized return on average equity was 10.41% for Q4 2025 and 11.11% for FY 2025.
- Consolidated annualized net interest margin improved to 4.20% for Q4 2025 from 4.13% in Q4 2024, and 4.21% for FY 2025 compared to 4.12% for FY 2024.
- The Board of Directors authorized a new $5.0 million share repurchase program effective January 1, 2026, through December 31, 2026, and declared cash dividends totaling $1.84 per share for the year ended December 31, 2025.
Jan 27, 2026, 6:49 PM
C&F Financial Corporation Reports Strong 2025 Financial Results
CFFI
Earnings
Share Buyback
Revenue Acceleration/Inflection
- C&F Financial Corporation reported a consolidated net income of $27.0 million for the year ended December 31, 2025, an increase from $19.9 million in 2024. For the fourth quarter of 2025, net income was $6.7 million, up from $6.0 million in the prior year quarter.
- Earnings per share (basic and diluted) increased to $8.29 for the full year 2025, compared to $6.01 in 2024, and $2.07 for Q4 2025, up from $1.87 in Q4 2024.
- The company's strong performance was driven by growth in loans and deposits within the community banking segment, increased wealth advisory revenue, higher mortgage banking loan originations, and improved operational efficiencies in the consumer finance segment. The consolidated annualized net interest margin also improved to 4.21% for the year ended December 31, 2025, from 4.12% in 2024.
- As of December 31, 2025, the Corporation maintained robust capital positions, with a total risk-based capital ratio of 15.2% and a Tier 1 leverage ratio of 10.0%, both exceeding regulatory minimums.
- The Board of Directors authorized a new share repurchase program for up to $5.0 million of common stock, effective from January 1, 2026, through December 31, 2026, following no repurchases under the 2025 program.
Jan 27, 2026, 6:30 PM
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