---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-23-000052"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2023-10-26T23:59:59+00:00"
generated_at: "2026-06-09T09:27:16.609863+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q3 2023 net income $5.8M, down 11.7% YoY; EPS $1.71 vs $1.85

## Summary
- Net income Q3 2023 $5.8M, down 11.7% from $6.5M in Q3 2022.
- Diluted EPS $1.71 vs $1.85 in prior-year quarter.
- First nine months 2023 net income $18.7M, down 2.1% YoY from $19.1M.
- Annualized ROE 11.28% vs 13.20% in Q3 2022; ROA 0.96% vs 1.12%.

## SEC filing metadata
- accession: 0000913341-23-000052
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2023-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334123000052/0000913341-23-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334123000052/cffi-20231026x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-23-000052
- JSON: https://secwatch.observer/filing/0000913341-23-000052.json
- Plain text: https://secwatch.observer/filing/0000913341-23-000052.txt

## Key facts
- Earnings Releases
  C & F FINANCIAL CORP reported for the three and nine months ended September 30, 2023 results: net income $5.8 million for the third quarter of 2023.
  - Period: for the three and nine months ended September 30, 2023
  - Net income: $5.8 million for the third quarter of 2023
  - Result: reported results
  source text: On October 26, 2023, C&F Financial Corporation issued a news release announcing its financial results for the three and nine months ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/913341/000091334123000052/0000913341-23-000052-index.htm

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