# C & F Financial Corp (CFFI)

> Cited company facts from SEC filings, by Steadybase. Web page: https://steadybase.io/company/c-and-f-financial-corp/ JSON: https://steadybase.io/company/c-and-f-financial-corp.json Checked Nov 10, 2026. Latest filing read: Nov 5, 2026.

## Company

- Legal name: C & F FINANCIAL CORP
- Ticker: CFFI (Nasdaq)
- SEC CIK: 0000913341
- Industry: State Commercial Banks (SIC 6022)
- Headquarters: Toano, VA
- Fiscal year ends: December 31
- SEC filer category: Accelerated filer<br>Smaller reporting company
- Website: cffc.com
- Investor relations: https://investor.cffc.com/overview/default.aspx
- Next earnings date: Jan 29, 2027 (estimated from past 8-K timing)

## Key facts

- Revenue: $140.8M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 3, 2026). Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/0000913341-26-000010-index.html
- Net income: $26.8M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 3, 2026). Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/0000913341-26-000010-index.html
- Employees: 575 as of Dec 31, 2025, as reported in an SEC filing. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm
- Shares outstanding: 3,249,776 as of Nov 4, 2026 (10-Q filed Nov 5, 2026). Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000052/0000913341-26-000052-index.html
- Auditor: Yount, Hyde & Barbour, P.C., Richmond, Virginia, named in the latest 10-K. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm

## Business

C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927.

Source: Item 1. Business, https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm

## Annual results

| Fiscal year ended | Revenue | Net income |
|---|---|---|
| Dec 31, 2025 | $140.8M | $26.8M |
| Dec 31, 2024 | $127.3M | $19.8M |
| Dec 31, 2023 | $127.3M | $23.6M |
| Dec 31, 2022 | $122.7M | $29.2M |
| Dec 31, 2021 | $135.2M | $28.7M |

Each figure comes from the annual report for that year. Filing links for every figure: https://steadybase.io/company/c-and-f-financial-corp.json

## Officers and directors

- Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation. LinkedIn: https://linkedin.com/in/tom-cherry-2b3bb230. Source: 8-K filed Oct 26, 2026, https://www.sec.gov/Archives/edgar/data/913341/000091334126000047/cffi-ex99d1.htm
- S. Dustin Crone, PRESIDENT & CEO C&F FINANCE. Source: Form 4 filed Sep 9, 2026, https://www.sec.gov/Archives/edgar/data/913341/000160126926000006/0001601269-26-000006-index.htm
- Thomas F. Cherry, PRESIDENT & CEO. Source: Form 4 filed Aug 7, 2026, https://www.sec.gov/Archives/edgar/data/913341/000120051226000016/0001200512-26-000016-index.htm
- Jason E. Long, EVP, CHIEF FINANCIAL OFFICER. LinkedIn: https://linkedin.com/in/jason-long-01aaa582. Source: Form 4 filed Jun 9, 2026, https://www.sec.gov/Archives/edgar/data/913341/000166985026000008/0001669850-26-000008-index.htm
- John A. Seaman III, EVP, CHIEF CREDIT OFFICER. Source: Form 4 filed Aug 4, 2026, https://www.sec.gov/Archives/edgar/data/913341/000160127026000008/0001601270-26-000008-index.htm
- Larry G. Dillon, EXECUTIVE CHAIRMAN. Source: Form 4 filed Sep 8, 2026, https://www.sec.gov/Archives/edgar/data/913341/000120050726000012/0001200507-26-000012-index.htm

## Recent 8-K events

- Nov 5, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000051/cffi-20261105x8k.htm
- Oct 26, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000047/cffi-20261026x8k.htm
- Aug 19, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000045/cffi-20260819x8k.htm
- Jul 23, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000040/cffi-20260723x8k.htm
- Jul 23, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000038/cffi-20260723x8k.htm
- Jun 18, 2026: Item 5.02, Departure or appointment of directors or officers; compensation; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000036/cffi-20260616x8k.htm
- May 20, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000031/cffi-20260520x8k.htm
- May 8, 2026: Item 7.01, Regulation FD disclosure; Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000026/cffi-20260507x8k.htm
- Apr 30, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000023/cffi-20260430x8k.htm
- Apr 23, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000021/cffi-20260423x8k.htm

## Insider trades (Form 4)

- Nov 4, 2026: Mark A. Fox (PRESIDENT & CEO C&F MORTGAGE) sold 1,000 shares, about $111,990. Source: https://www.sec.gov/Archives/edgar/data/913341/000204761726000008/0002047617-26-000008-index.htm
- Sep 4, 2026: S. Dustin Crone (PRESIDENT & CEO C&F FINANCE) sold 900 shares, about $84,969. Source: https://www.sec.gov/Archives/edgar/data/913341/000160126926000006/0001601269-26-000006-index.htm
- Sep 4, 2026: Larry G. Dillon (EXECUTIVE CHAIRMAN) sold 1,000 shares, about $95,070. Source: https://www.sec.gov/Archives/edgar/data/913341/000120050726000012/0001200507-26-000012-index.htm
- Aug 20, 2026: Larry G. Dillon (EXECUTIVE CHAIRMAN) sold 1,000 shares, about $86,000. Source: https://www.sec.gov/Archives/edgar/data/913341/000120050726000008/0001200507-26-000008-index.htm
- Aug 5, 2026: D. Anthony Peay (Director) sold 425 shares, about $36,516. Source: https://www.sec.gov/Archives/edgar/data/913341/000120796926000004/0001207969-26-000004-index.htm
- Aug 5, 2026: Thomas F. Cherry (PRESIDENT & CEO) sold 500 shares, about $43,565. Source: https://www.sec.gov/Archives/edgar/data/913341/000120051226000016/0001200512-26-000016-index.htm
- Aug 3, 2026: John A. Seaman III (EVP, CHIEF CREDIT OFFICER) sold 650 shares, about $54,997. Source: https://www.sec.gov/Archives/edgar/data/913341/000160127026000008/0001601270-26-000008-index.htm
- Jun 12, 2026: Thomas F. Cherry (PRESIDENT & CEO) sold 171 shares, about $13,283. Source: https://www.sec.gov/Archives/edgar/data/913341/000120051226000014/0001200512-26-000014-index.htm
- Jun 10, 2026: Thomas F. Cherry (PRESIDENT & CEO) sold 1,207 shares, about $92,056. Source: https://www.sec.gov/Archives/edgar/data/913341/000120051226000012/0001200512-26-000012-index.htm
- Jun 5, 2026: Jason E. Long (EVP, CHIEF FINANCIAL OFFICER) sold 1,360 shares, about $102,680. Source: https://www.sec.gov/Archives/edgar/data/913341/000166985026000008/0001669850-26-000008-index.htm
- May 27, 2026: Thomas F. Cherry (PRESIDENT & CEO) sold 500 shares, about $37,500. Source: https://www.sec.gov/Archives/edgar/data/913341/000120051226000008/0001200512-26-000008-index.htm
- May 13, 2026: Elizabeth R. Kelley (Director) sold 1,025 shares, about $74,825. Source: https://www.sec.gov/Archives/edgar/data/913341/000170448826000006/0001704488-26-000006-index.htm
- Feb 26, 2026: Thomas F. Cherry (PRESIDENT & CEO) sold 11 shares, about $861. Source: https://www.sec.gov/Archives/edgar/data/913341/000120051226000006/0001200512-26-000006-index.htm
- Aug 22, 2025: Thomas F. Cherry (PRESIDENT & CEO) sold 1,205 shares, about $85,555. Source: https://www.sec.gov/Archives/edgar/data/913341/000141588925022867/0001415889-25-022867-index.htm

## What management said

- "Our third quarter performance reflects the strength of our diversified business model and disciplined execution of our strategic priorities" Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation (8-K filed Oct 26, 2026). Source: https://www.sec.gov/Archives/edgar/data/913341/000091334126000047/cffi-ex99d1.htm

## Latest filings

- 8-K filed Oct 26, 2026: https://www.sec.gov/Archives/edgar/data/913341/000091334126000047/cffi-20261026x8k.htm
- 10-K filed Mar 3, 2026: https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm
- 10-Q filed Aug 10, 2026: https://www.sec.gov/Archives/edgar/data/913341/000091334126000043/cffi-20260630x10q.htm
- DEF 14A filed Mar 11, 2026: https://www.sec.gov/Archives/edgar/data/913341/000091334126000015/cffi-20260421xdef14a.htm

## About this data

SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from.
Steadybase covers US-headquartered public companies that file with the SEC. API and MCP access: https://steadybase.io/docs/