CFFI
C&F Financial Corporation77.23
+1.53+2.02%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
250.09MP/E (TTM)
9.56Basic EPS (TTM)
8.08Dividend Yield
0.02%Recent Filings
8-K
10-Q
Q3 FY2025 results
C&F Financial Corporation posted solid Q3 FY2025 results, with net income climbing 31% y/y to $7.1M ($2.18 diluted EPS) on stronger net interest income of $27.2M, up 10% y/y, driven by 5.6% loan growth to $2.01B and a 4.24% NIM edging up 11 bps y/y (derived). Community banking led with $7.4M in earnings, fueled by $91M in loan expansion, while mortgage banking added $641K from 6% higher originations at $167M; consumer finance dipped to $231K amid 3% loan runoff but stable 2.7% net charge-offs. Deposits swelled 6% to $2.3B, bolstering $96M in cash equivalents and $439M in securities, with total equity at $254M yielding 11.6% ROE. Yet competition in auto lending pressures margins.
8-K
Q3 net income surges 31%
C&F Financial Corporation reported Q3 2025 net income of $7.1 million, up 31.2% from $5.4 million in Q3 2024, driven by robust community banking loan growth of $91.4 million and a net interest margin expansion to 4.24%. Mortgage originations rose 6.4% to $167.0 million despite high rates, while consumer finance saw slight loan contraction but stable charge-offs at 2.68%. Expansion into Southwest Virginia via a Roanoke office is yielding early gains. Strong liquidity exceeds uninsured deposits by $496.3 million.
8-K
Quarterly dividend declared
C&F Financial Corporation's board declared a regular quarterly cash dividend of 46 cents per share on August 20, 2025, payable October 1 to shareholders of record September 15. This payout reflects ongoing review of economic conditions, capital needs, and earnings outlook. Steady dividends signal financial stability. No changes to the payout ratio were disclosed.
10-Q
Q2 FY2025 results
C&F Financial Corporation posted solid Q2 FY2025 results, with net income up 54% y/y to $7.8M and diluted EPS rising to $2.37 from $1.50, driven by robust community banking growth and mortgage gains. Net interest income climbed 11% y/y to $26.5M, with margin expanding to 4.27% from 4.12%, fueled by higher loan yields and volumes—community loans grew 10.6% annualized q/q—while provision for credit losses dropped to $2.1M from $2.6M on improved asset quality. Deposits swelled 7.9% annualized q/q to $2.26B, bolstering liquidity at $80.2M cash; in June, the firm issued $40M subordinated notes due 2035 at 7.50% fixed, repurchasing $20M prior notes to refine its debt mix. Non-GAAP metrics not disclosed in the 10-Q. Yet competition in lending markets lingers as a key risk.
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