---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-25-000056"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:39:30.556760+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q3 net income $7.1M (+31.2% YoY); EPS $2.18 vs $1.65

## Summary
- Q3 2025 net income $7.1M vs $5.4M in Q3 2024, up 31.2%.
- Diluted EPS $2.18 vs $1.65; nine-month EPS $6.22 vs $4.15.
- Nine-month net income $20.3M, up 46.0% from $13.9M.
- Annualized ROA 1.06%, ROE 11.60%, ROTCE 13.07% for Q3.
- No guidance or dividend change disclosed in release.

## SEC filing metadata
- accession: 0000913341-25-000056
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334125000056/0000913341-25-000056-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334125000056/cffi-20251023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-25-000056
- JSON: https://secwatch.observer/filing/0000913341-25-000056.json
- Plain text: https://secwatch.observer/filing/0000913341-25-000056.txt

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