C & F FINANCIAL CORP (CFFI) Form 10-Q — Aug 10, 2026

$CFFIForm 10-QFiled Aug 10, 2026, 1:00 PM ET0000913341-26-000043Original filing

C&F Financial Corporation reported Q2 2026 net income attributable to the company of $8.56 million, or $2.63 per share, up from $7.69 million and $2.37 per share in Q2 2025; first-half net income was $15.31 million, or $4.71 per share, versus $13.06 million and $4.03 a year earlier. Headline results were flattered by a one-time pre-tax gain of $8.3 million on the Q2 sale of its equity interest in Bearing Insurance Group, partially offset by a $7.1 million net loss on sales of available-for-sale securities as the company repositioned its portfolio; net interest income still rose to $29.1 million from $26.5 million.

Key figures

Eps: Q2 2026: $2.63 basic and diluted (vs $2.37 Q2 2025); 1H26: $4.71 (vs $4.03)
Net Income: Q2 2026: $8.563 million attributable to C&F (vs $7.691 million); 1H26: $15.310 million (vs $13.059 million)
Total Assets: $2.810 billion at 6/30/2026 (vs $2.768 billion at 12/31/2025)
Cash Position: $62.110 million total cash and equivalents at 6/30/2026 (vs $79.132 million at 12/31/2025)
Shares Outstanding: 3251691
Total Loans: $2.073 billion at 6/30/2026
Total Equity: $278.392 million at 6/30/2026 (vs $262.348 million at 12/31/2025)
Fhlb Advances: $45.0 million
Total Deposits: $2.365 billion at 6/30/2026
Mortgage Pipeline: $74.42 million IRLCs and $44.07 million loans held for sale hedged by $118.49 million forward sales at 6/30/2026
Afs Securities Loss: $7.129 million net loss on sales of available-for-sale securities in Q2 2026
Dividends Per Share: $0.48 declared Q2 2026 ($0.96 first half) vs $0.46 ($0.92) prior year
Gain On Bearing Sale: $8.3 million pre-tax gain on sale of Bearing Insurance Group equity interest; $12.662 million proceeds
Repurchase Program: $5.0 million 2026 authorization; 8,374 shares repurchased in 1H26; $4.4 million remaining
Subordinated Notes: $65.510 million
Net Interest Income Q2: $29.090 million (vs $26.508 million Q2 2025)
Allowance For Credit Losses: $39.675 million at 6/30/2026 (vs $39.677 million at 12/31/2025)
Provision For Credit Losses Q2: $2.650 million (vs $2.100 million Q2 2025)
Consumer Finance Charge Offs1 H: $8.493 million (vs $7.719 million in 1H25)

Price after filing

1 day: +0.3%7 days: +0.8%30 days: +9.7%

Close on the filing date to close N calendar days later (from $85.26). Historical, not a forecast.

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