---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-24-000034"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2024-07-24T23:59:59+00:00"
generated_at: "2026-05-31T17:43:46.291157+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q2 net income down 21% to $5.0M; EPS falls to $1.50

## Summary
- Net income $5.0M in Q2 2024 vs $6.4M in Q2 2023, down 21%.
- Diluted EPS $1.50 in Q2 2024 vs $1.84 a year ago.
- Six-month net income $8.5M vs $12.9M; diluted EPS $2.50 vs $3.70.
- Annualized ROE 9.31% in Q2 vs 12.51% prior year; ROA 0.82% vs 1.06%.
- No guidance or forward-looking statement provided in the release.

## SEC filing metadata
- accession: 0000913341-24-000034
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2024-07-24T23:59:59+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/913341/000091334124000034/0000913341-24-000034-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334124000034/cffi-20240724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-24-000034
- JSON: https://secwatch.observer/filing/0000913341-24-000034.json
- Plain text: https://secwatch.observer/filing/0000913341-24-000034.txt

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