C&F Financial 2022 GAAP net income $29.4M (+0.8% YoY); adjusted net income down 10.1%

C & F FINANCIAL CORP

2022-FY EPS reported $8.29 revenue$121,946,000

GAAP diluted EPS $8.29 vs $7.95; adjusted diluted EPS $7.61 vs $8.20.
Adjusted net income $27.0M, down $3.0M from 2021 on branch consolidation and accounting policy change.
ROA 1.27% (GAAP), 1.16% (adjusted); ROE 14.84% (GAAP), 13.64% (adjusted).
Pension settlement expense in 2021 and real estate disposal activity in 2022 affect comparability.

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