---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-25-000049"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T03:00:27.057355+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q2 net income $7.8M (+54% YoY); EPS $2.37 vs $1.50

## Summary
- Consolidated net income $7.8M for Q2 2025, up 54.3% from $5.0M in Q2 2024.
- Diluted EPS $2.37 for Q2 2025 vs $1.50 in Q2 2024; first-six-months EPS $4.03 vs $2.50.
- Annualized ROA 1.18% (Q2 2025) vs 0.82% (Q2 2024); ROE 13.06% vs 9.31%.
- First-six-months net income $13.2M, up 55.4% from $8.5M a year earlier.
- Tangible common equity ROA (annualized) for Q2 2025 was 14.70% vs 10.72%.

## SEC filing metadata
- accession: 0000913341-25-000049
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334125000049/0000913341-25-000049-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334125000049/cffi-20250724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-25-000049
- JSON: https://secwatch.observer/filing/0000913341-25-000049.json
- Plain text: https://secwatch.observer/filing/0000913341-25-000049.txt

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