---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-25-000010"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:51:48.547392+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q4 2024 net income up 18.5% YoY; full-year net income down 16.1%

## Summary
- Q4 2024 net income $6.0M ($1.87 EPS) vs $5.1M ($1.50 EPS) in Q4 2023, an increase of 18.5%.
- FY 2024 net income $19.9M ($6.01 EPS) vs $23.7M ($6.92 EPS) in FY 2023, a decrease of 16.1%.
- Annualized ROE was 10.60% in Q4 2024 (10.06% in Q4 2023); 9.02% for FY 2024 (11.68% in FY 2023).
- Annualized ROA was 0.94% in Q4 2024 (0.85% in Q4 2023); 0.80% for FY 2024 (0.99% in FY 2023).

## SEC filing metadata
- accession: 0000913341-25-000010
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/913341/000091334125000010/0000913341-25-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334125000010/cffi-20250128x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-25-000010
- JSON: https://secwatch.observer/filing/0000913341-25-000010.json
- Plain text: https://secwatch.observer/filing/0000913341-25-000010.txt

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