C & F FINANCIAL CORP (CFFI) Form 8-K — Oct 26, 2026
C&F Financial Corporation reported Q3 2026 net income of $8.3 million, up 16.1% from $7.1 million a year earlier, with EPS of $2.55 versus $2.18. Nine-month net income rose 16.8% to $23.7 million, or $7.26 per share. The quarter was driven by 8.6% annualized community banking loan growth and a net interest margin of 4.53%, up from 4.24% a year ago, aided by a securities portfolio restructuring that swapped $72.6 million of low-yielding securities for higher-yield paper at a $7.1 million pre-tax loss. Nine-month results also include an $8.3 million pre-tax gain from selling its Bearing Insurance Group equity interest; adjusted nine-month EPS was $7.03 versus $6.22.
Key figures
- Eps
- 2.55
- Guidance
- No formal guidance provided; management says strong financial position leaves it well positioned.
- Net Income
- 8257000
- Total Debt
- 138100000
- Total Assets
- 2811188000
- Cash Position
- 45975000
- Shares Outstanding
- 3251123
- Q3 roa
- 1.18%
- Q3 roe
- 11.86%
- Q3 2025 eps
- 2.18
- Nine month eps
- 7.26
- Adjusted q3 eps
- 2.55
- Dividend per share
- 0.48
- Q3 2025 net income
- 7113000
- Uninsured deposits
- $720.4 million (30.6% of total deposits)
- Bearing gain pretax
- $8.3 million
- Book value per share
- 82.66
- Nine month net income
- 23677000
- Ninity month 2025 nim
- 4.24%
- Loan growth vs dec2025
- $102.8 million (8.6% annualized)
- Adjusted nine month eps
- 7.03
- Net interest margin fte
- 4.53%
- Mortgage originations q3
- $172.8 million
- Deposit growth vs dec2025
- $10.4 million (1.0% annualized)
- Tangible book value per share
- 74.66
- Portfolio restructuring loss pretax
- $7.1 million
AI analysis
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