---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-25-000029"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T07:46:08.335080+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q1 net income rises to $5.4M, EPS $1.66 from $1.01 YoY

## Summary
- Net income of $5.4M for Q1 2025, up 57% from $3.4M in Q1 2024.
- EPS basic and diluted $1.66 vs $1.01 in prior-year quarter.
- Annualized ROE improved to 9.35% from 6.33%.
- Annualized return on average tangible common equity was 10.65% (vs 7.30%).
- Annualized ROA increased to 0.84% from 0.57%.

## SEC filing metadata
- accession: 0000913341-25-000029
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/913341/000091334125000029/0000913341-25-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334125000029/cffi-20250424x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-25-000029
- JSON: https://secwatch.observer/filing/0000913341-25-000029.json
- Plain text: https://secwatch.observer/filing/0000913341-25-000029.txt

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