---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-23-000039"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:37:37.516651+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q2 net income down 5.9% to $6.38M; EPS $1.84

## Summary
- Q2 net income $6.38M vs $6.78M YoY, down 5.9%; basic diluted EPS $1.84 vs $1.91.
- Six-month net income $12.88M up 2.9% YoY; EPS $3.70 vs $3.49.
- Annualized ROAE fell to 12.51% from 13.80%; ROAA to 1.06% from 1.16%.
- No guidance or dividend changes were announced in the release.

## SEC filing metadata
- accession: 0000913341-23-000039
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2023-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334123000039/0000913341-23-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334123000039/cffi-20230726x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-23-000039
- JSON: https://secwatch.observer/filing/0000913341-23-000039.json
- Plain text: https://secwatch.observer/filing/0000913341-23-000039.txt

## Key facts
- Earnings Releases
  C & F FINANCIAL CORP reported the first six months of 2023 results: net income $ 12,881, EPS $ 3.70.
  - Period: the first six months of 2023
  - Net income: $ 12,881
  - EPS: $ 3.70
  - Result: reported results
  source text: Consolidated net income (000's) ​ $ 6,384 ​ ​ $ 6,783 ​ ​ $ 12,881 ​ ​ $ 12,518 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share - basic and diluted ​ $ 1.84 ​ ​ $ 1.91 ​ ​ $ 3.70 ​ ​ $ 3.49
  evidence_url: https://www.sec.gov/Archives/edgar/data/913341/000091334123000039/0000913341-23-000039-index.htm
- Earnings Releases
  C & F FINANCIAL CORP reported the second quarter of 2023 results: net income $ 6,384, EPS $ 1.84.
  - Period: the second quarter of 2023
  - Net income: $ 6,384
  - EPS: $ 1.84
  - Result: reported results
  source text: Consolidated net income (000's) ​ $ 6,384 ​ ​ $ 6,783 ​ ​ $ 12,881 ​ ​ $ 12,518 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Earnings per share - basic and diluted ​ $ 1.84 ​ ​ $ 1.91 ​ ​ $ 3.70 ​ ​ $ 3.49
  evidence_url: https://www.sec.gov/Archives/edgar/data/913341/000091334123000039/0000913341-23-000039-index.htm

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