C & F Financial Corp.
- CFFI ยท Nasdaq
- State Commercial Banks
- Toano, VA
- 575 employees
- CIK 0000913341
Updated from SEC filings through
Top things to know
Executives
- Tom Cherry President and Chief Executive Officer of C&F Financial Corporation 8-K, 2026-10-26
- S. Dustin Crone PRESIDENT & CEO C&F FINANCE 4, 2026-09-09
- Thomas F. Cherry PRESIDENT & CEO 4, 2026-08-07
- Jason E. Long EVP, CHIEF FINANCIAL OFFICER 4, 2026-06-09
- John A. Seaman III EVP, CHIEF CREDIT OFFICER 4, 2026-08-04
- Larry G. Dillon EXECUTIVE CHAIRMAN 4, 2026-09-08
What leadership is saying
“Our third quarter performance reflects the strength of our diversified business model and disciplined execution of our strategic priorities”
Earnings press release (8-K Ex. 99.1), filed October 26, 2026
C & F Financial Corp is a U.S. public company in state commercial banks (SIC 6022), headquartered in Toano, VA. It trades as CFFI on Nasdaq. Revenue was $141M in the fiscal year ending December 31, 2025, +10.6% from the year before. It reported about 575 employees. Tom Cherry is President and Chief Executive Officer of C&F Financial Corporation.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $141M 10-K, 2026-03-03 | $127M 10-K, 2026-03-03 | $127M 10-K, 2026-03-03 | $123M 10-K, 2025-02-27 | $135M 10-K, 2024-02-27 |
| Operating income | Not on file | Not on file | Not on file | Not on file | Not on file |
| SG&A | Not on file | Not on file | Not on file | Not on file | Not on file |
| Net income | $26.8M 10-K, 2026-03-03 | $19.8M 10-K, 2026-03-03 | $23.6M 10-K, 2026-03-03 | $29.2M 10-K, 2025-02-27 | $28.7M 10-K, 2024-02-27 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| Tom Cherry EVP & CFO at Citizens & Farmers Bank (C&F Bank) | President and Chief Executive Officer of C&F Financial Corporation | 8-K, 2026-10-26 |
| S. Dustin Crone | PRESIDENT & CEO C&F FINANCE | 4, 2026-09-09 |
| Thomas F. Cherry | PRESIDENT & CEO | 4, 2026-08-07 |
| Jason E. Long EVP, CFO at C&F Financial Corporation | EVP, CHIEF FINANCIAL OFFICER | 4, 2026-06-09 |
| John A. Seaman III | EVP, CHIEF CREDIT OFFICER | 4, 2026-08-04 |
| Larry G. Dillon | EXECUTIVE CHAIRMAN | 4, 2026-09-08 |
What C & F Financial Corp does
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.
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 3.2 million (as of November 4, 2026) | 10-Q, November 5, 2026 |
|---|---|---|
| Public float | $186M (as of June 30, 2025) | 10-K, March 3, 2026 |
| Reportable segments | 3 (period ending September 30, 2026) | 10-Q, November 5, 2026 |
| Latest proxy statement | Meeting April 21, 2026 (filed March 11, 2026) | DEF 14A, March 11, 2026 |
| Auditor | Yount, Hyde & Barbour, P.C. (Richmond, Virginia) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| November 4, 2026 | Mark A. Fox PRESIDENT & CEO C&F MORTGAGE | Sale | 1,000 | $112K | Form 4, November 4, 2026 |
| September 4, 2026 | S. Dustin Crone PRESIDENT & CEO C&F FINANCE | Sale | 900 | $85K | Form 4, September 9, 2026 |
| September 4, 2026 | Larry G. Dillon EXECUTIVE CHAIRMAN | Sale | 1,000 | $95K | Form 4, September 8, 2026 |
| August 20, 2026 | Larry G. Dillon EXECUTIVE CHAIRMAN | Sale | 1,000 | $86K | Form 4, August 20, 2026 |
| August 5, 2026 | D. Anthony Peay Director | Sale | 425 | $37K | Form 4, August 7, 2026 |
| August 5, 2026 | Thomas F. Cherry PRESIDENT & CEO | Sale | 500 | $44K | Form 4, August 7, 2026 |
| August 3, 2026 | John A. Seaman III EVP, CHIEF CREDIT OFFICER | Sale | 650 | $55K | Form 4, August 4, 2026 |
| June 12, 2026 | Thomas F. Cherry PRESIDENT & CEO | Sale | 171 | $13K | Form 4, June 15, 2026 |
Recent 8-K events
- 8-K filed 2026-11-05
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-10-26
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-08-19
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-07-23
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-07-23
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-06-18
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-05-20
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-05-08
- Item 7.01 Regulation FD disclosure
- Item 8.01 Other events
- 8-K filed 2026-04-30
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-04-23
- Item 2.02 Results of operations and financial condition (earnings release)
Frequently asked questions about C & F Financial Corp
- What does C & F Financial Corp do?
- In its own words, from Item 1 of its 10-K: "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."
- What is C & F Financial Corp's revenue?
- $141M for the fiscal year ending December 31, 2025, from its 10-K filed March 3, 2026.
- Is C & F Financial Corp profitable?
- C & F Financial Corp reported net income of $26.8M for the fiscal year ending December 31, 2025.
- How many employees does C & F Financial Corp have?
- About 575 as of December 31, 2025, as stated in its annual report.
- Who is the CEO of C & F Financial Corp?
- Tom Cherry, President and Chief Executive Officer of C&F Financial Corporation, as named in a 8-K filed October 26, 2026.
- Who is the CFO of C & F Financial Corp?
- Jason E. Long, EVP, CHIEF FINANCIAL OFFICER, as named in a 4 filed June 9, 2026.
- Where is C & F Financial Corp headquartered?
- Toano, VA.
- What is C & F Financial Corp's stock ticker?
- CFFI on Nasdaq.
- What industry is C & F Financial Corp in?
- State Commercial Banks, SIC code 6022.
- What is C & F Financial Corp's website?
- cffc.com. Investor relations: https://investor.cffc.com/overview/default.aspx.
- When does C & F Financial Corp report earnings next?
- January 29, 2027. Source: estimate_8k_pattern.
- Is C & F Financial Corp a public company?
- Yes. C & F Financial Corp files with the SEC under CIK 0000913341 and trades as CFFI.
- Who audits C & F Financial Corp?
- Yount, Hyde & Barbour, P.C., Richmond, Virginia, as named in its latest annual report (10-K).
- How many shares of C & F Financial Corp are outstanding?
- 3.2 million shares as of November 4, 2026, from its 10-Q filed November 5, 2026.
- What is C & F Financial Corp's public float?
- $186M as of June 30, 2025, as reported on the cover of its 10-K filed March 3, 2026.
- How many business segments does C & F Financial Corp report?
- 3 reportable segments for the period ending September 30, 2026, from its 10-Q filed November 5, 2026.
- When is C & F Financial Corp's annual shareholder meeting?
- April 21, 2026, per its proxy statement (DEF 14A) filed March 11, 2026.
- Have C & F Financial Corp insiders traded stock recently?
- Since August 22, 2025, officers and directors reported 14 open-market sales worth about $920K and 0 purchases on Forms 4 and 5. The most recent: Mark A. Fox (PRESIDENT & CEO C&F MORTGAGE) sold 1,000 shares on November 4, 2026.