---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-25-000042"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2025-06-06T23:59:59+00:00"
generated_at: "2026-05-19T19:22:29.984354+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# C&F Financial issues $40M 7.5% sub notes due 2035, repurchases $20M 4.875% notes

## Summary
- Sold $40M aggregate principal of 7.50% fixed-to-floating subordinated notes due June 30, 2035.
- Notes reset to 3-month SOFR + 388.5 bps after June 30, 2030; redeemable at company's option.
- Concurrently repurchased $20M of 4.875% subordinated notes due 2030 at 100% of principal plus accrued.
- Proceeds to refinance existing sub debt and support general corporate purposes.
- Notes structured as Tier 2 capital for regulatory purposes.

## SEC filing metadata
- accession: 0000913341-25-000042
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2025-06-06T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 1.01, 8.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334125000042/0000913341-25-000042-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334125000042/cffi-20250606x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-25-000042
- JSON: https://secwatch.observer/filing/0000913341-25-000042.json
- Plain text: https://secwatch.observer/filing/0000913341-25-000042.txt

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