---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-23-000006"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:22:07.521887+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000913341-23-000006
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334123000006/0000913341-23-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334123000006/cffi-20230124x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-23-000006
- JSON: https://secwatch.observer/filing/0000913341-23-000006.json
- Plain text: https://secwatch.observer/filing/0000913341-23-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.