---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-26-000021"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:46:00.334892+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q1 net income rises to $6.8M; EPS $2.08 vs $1.66 YoY

## Summary
- Net income of $6.8M for Q1 2026, up 26% from $5.4M in Q1 2025.
- Diluted EPS of $2.08, compared to $1.66 in the prior-year quarter.
- Annualized ROA 0.97%, ROE 10.19%, and return on tangible common equity 11.28%.
- Sequentially, net income nearly flat ($6.72M in Q4 2025); EPS was $2.07.

## SEC filing metadata
- accession: 0000913341-26-000021
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334126000021/0000913341-26-000021-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334126000021/cffi-20260423x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-26-000021
- JSON: https://secwatch.observer/filing/0000913341-26-000021.json
- Plain text: https://secwatch.observer/filing/0000913341-26-000021.txt

## Key facts
- Earnings Releases
  C & F FINANCIAL CORP reported first quarter of 2026 results: net income $6.8 million, EPS $2.08.
  - Period: first quarter of 2026
  - Net income: $6.8 million
  - EPS: $2.08
  - Result: reported results
  source text: C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $6.8 million for the first quarter of 2026 compared to $5.4 million for the first quarter of 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/913341/000091334126000021/0000913341-26-000021-index.htm

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