---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-24-000045"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2024-10-29T23:59:59+00:00"
generated_at: "2026-05-30T09:32:26.294751+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 net income down to $5.4M from $5.8M; EPS $1.65

## Summary
- Net income of $5.4M for Q3 2024 vs $5.8M in Q3 2023, a decrease of 6.2%.
- Diluted EPS $1.65 vs $1.71 in prior-year quarter; nine-month EPS $4.15 vs $5.41.
- Annualized ROE 9.74% vs 11.28% a year ago; ROA 0.86% vs 0.96%.
- Nine-month net income $13.9M vs $18.7M, down 25.6% year-over-year.

## SEC filing metadata
- accession: 0000913341-24-000045
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2024-10-29T23:59:59+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/913341/000091334124000045/0000913341-24-000045-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334124000045/cffi-20241029x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-24-000045
- JSON: https://secwatch.observer/filing/0000913341-24-000045.json
- Plain text: https://secwatch.observer/filing/0000913341-24-000045.txt

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