C&F Financial Corporation Reports Third Quarter and Year-to-Date Net Income
Financial Performance: C&F Financial Corporation reported a consolidated net income of $7.1 million for Q3 2025, a 31.2% increase from $5.4 million in Q3 2024, and a total net income of $20.3 million for the first nine months of 2025, up 46.0% from $13.9 million in the same period last year.
Community Banking Growth: The community banking segment saw significant growth, with loans increasing by $91.4 million (8.4% annualized) in Q3 2025, and deposits rising by $127.2 million (7.8% annualized), reflecting a strong performance despite broader economic concerns.
Mortgage Banking Segment: The mortgage banking segment experienced a 6.4% increase in loan originations year-over-year, totaling $167 million for Q3 2025, although it faced a decline compared to the previous quarter due to seasonal fluctuations.
Capital and Liquidity: C&F Financial declared a quarterly cash dividend of 46 cents per share, with total consolidated equity increasing by $26.9 million since December 2024, and maintaining a strong liquidity position with liquid assets exceeding uninsured deposits by $496.3 million as of September 30, 2025.
Trade with 70% Backtested Accuracy
Analyst Views on CFFI
About CFFI
About the author
Three Small-Cap Stocks to Watch in 2026
Podcast Overview: Episode #467 of the Zacks Market Edge Podcast features host Tracey Ryniec and guest Mark Zinski discussing three small-cap stocks in real estate and banking to consider for 2026, moving away from AI-focused investments.
Comstock Holding Companies (CHCI): This asset manager and developer in the Washington DC area has seen a 64% increase in shares year-to-date, with a market cap of $135 million and a price-to-book ratio of 2.4, but does not pay dividends.
C&F Financial Corp. (CFFI): A Virginia-based bank with a market cap of $224 million, C&F Financial has a dividend yield of 2.7% and is attractively priced with a P/B ratio of 0.9, despite a 3.4% decline in shares year-to-date.
Bank of the James Financial Group (BOTJ): This Central Virginia bank has a market cap of $80 million, pays a dividend yielding 2.2%, and has seen a 12.2% increase in shares year-to-date, trading at a P/B ratio of 1.2.
Zacks Analyst Blog Spotlights Alphabet, Roche, RTX, Crawford United, and C&F Financial
Featured Stocks: The Zacks Analyst Blog highlights stocks including Alphabet Inc., Roche Holding AG, RTX Corp., Crawford United Corp., and C&F Financial Corp., showcasing their recent performance and market trends.
Alphabet Inc. Performance: Alphabet's shares have outperformed the industry, driven by growth in AI infrastructure, Google Cloud, and Search, with significant revenue increases from generative AI products.
Roche Holding AG Insights: Roche has seen strong performance due to high demand for key drugs, despite challenges from legacy drug sales and competition from biosimilars, while pursuing portfolio diversification.
RTX Corp. and Micro-Cap Stocks: RTX continues to receive substantial orders in defense and aerospace, while micro-cap stocks Crawford United and C&F Financial show strong growth and profitability, despite some operational challenges.
