---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-26-000038"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2026-07-23T15:36:41+00:00"
generated_at: "2026-07-23T15:38:10.437783+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q2 net income $8.6M (+11% YoY); adjusted net income up 1.5%

## Summary
- Net income $8.6M for Q2 2026 vs $7.8M Q2 2025 (+11.1%); six-month net income $15.4M vs $13.2M (+17.2%).
- Includes pre-tax gain of $8.3M from sale of Bearing Insurance Group equity interest and pre-tax loss of $7.1M from securities portfolio restructuring.
- Adjusted net income (non-GAAP) $7.9M for Q2, up $116K (+1.5%) YoY; adjusted EPS $2.40 vs $2.37.
- Basic and diluted EPS $2.63 for Q2 2026 vs $2.37 for Q2 2025.
- Annualized ROA 1.23% for Q2 2026 vs 1.18% Q2 2025; adjusted ROA 1.13%.

## SEC filing metadata
- accession: 0000913341-26-000038
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2026-07-23T15:36:41+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/913341/000091334126000038/0000913341-26-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334126000038/cffi-20260723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-26-000038
- JSON: https://secwatch.observer/filing/0000913341-26-000038.json
- Plain text: https://secwatch.observer/filing/0000913341-26-000038.txt

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