8-K current report · filed Jul 23, 2026

C & F FINANCIAL CORP (CFFI) 8-K Current Report: July 23, 2026

Item 2.02Item EX-99.1CFFI overview

Short answer

C & F FINANCIAL CORP (CFFI) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). C&F Financial released results for Q2 and six months ended June 30, 2026.

C & F FINANCIAL CORP 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • C&F Financial released results for Q2 and six months ended June 30, 2026
  • Earnings details are contained in Exhibit 99.1, the accompanying news release
  • Investor focus: quarterly profitability, asset quality, net interest margin and capital trends in the exhibit

Item EX-99.1 · Exhibit EX-99.1

  • Q2 net income $8.6M, up 11.1%; adjusted net income $7.9M, up 1.5% after excluding one-time items
  • EPS $2.63 versus $2.37; adjusted EPS $2.40, highlighting limited underlying earnings growth
  • Net interest margin expanded to 4.41% from 4.27%, supporting profitability alongside 8.3% annualized community-bank loan growth
  • Bearing equity sale generated $8.3M pre-tax gain, offset by $7.1M securities restructuring loss
  • Mortgage originations rose 9.5% to $233.7M; consumer finance charge-offs increased to 2.60% year-to-date

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