C&F Financial Reports Strong Q1 2026 Earnings Growth

Written by Emily J. Thompson, Senior Investment Analyst

Source: Newsfilter

Updated: Apr 23 2026

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Source: Newsfilter

Net Income Growth: C&F Financial Corporation reported a net income of $6.8 million for Q1 2026, a 25% increase from $5.4 million in Q1 2025, demonstrating strong performance in community banking and mortgage banking segments, despite lower earnings in consumer finance.
Loan and Deposit Growth: The community banking segment saw loans grow by 9.0% year-over-year to $1.614 billion, while deposits increased by 8.2% to $2.399 billion, reflecting the company's competitive position and expanding customer base, which is crucial for future business development.
Strong Mortgage Banking Performance: The mortgage banking segment's loan originations surged by 57.9% year-over-year to $179.6 million, primarily driven by a favorable interest rate environment that boosted demand for both purchases and refinancings, further solidifying the company's market position in this sector.
Dividend Increase: The company raised its quarterly cash dividend by 4% to $0.48 per share in Q1 2026, with a payout ratio of 23.1%, demonstrating its commitment to shareholder returns while reflecting its robust financial health and profitability.

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About CFFI

C&F Financial Corporation is a bank holding company. The Company owns all the stock of Citizens and Farmers Bank (C&F Bank), which is an independent commercial bank. Its segments include community banking, mortgage banking and consumer finance. The community banking segment provides services through C&F Bank. C&F Bank provides community banking services to individuals and businesses, including various types of checking and savings deposit accounts, and business, real estate, development, mortgage, home equity and installment loans. C&F Bank operates 31 banking offices and four commercial loan offices. It conducts mortgage banking activities through C&F Mortgage Corporation, which offers a range of residential mortgage loans, which are originated for sale to investors in the secondary mortgage market. It conducts consumer finance activities through C&F Finance Company (C&F Finance). C&F Finance is a regional finance company purchasing automobile, marine and recreational vehicle loans.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

C&F Financial Corporation Declares Cash Dividend

May 20 2026Newsfilter

Dividend Declaration: C&F Financial Corporation's Board of Directors has declared a cash dividend of 48 cents per share, payable on July 1, 2026, to shareholders of record as of June 15, 2026, reflecting the company's confidence in its cash flow stability and profitability.
Dividend Policy Review: The Board regularly reviews the cash dividend amount and payout ratio in light of economic conditions, capital requirements, and expected future earnings, indicating the company's commitment to maintaining financial health.
Business Presence: C&F Bank operates 32 banking offices and five commercial loan offices throughout Virginia, offering comprehensive wealth management services, showcasing its strong local market presence and service capabilities.
Diverse Financial Services: C&F Mortgage Corporation and its subsidiary C&F Select LLC provide mortgage loan origination services in Virginia and surrounding states, while C&F Finance Company offers automobile loans through indirect lending programs, enhancing its competitive edge in the Mid-Atlantic and Southern U.S. markets.

C&F Financial Completes Sale of Bearing Insurance Group

May 07 2026Newsfilter

Transaction Completion: C&F Financial Corporation completed the sale of Bearing Insurance Group on May 1, 2026, with an expected pre-tax gain of approximately $8.3 million, positively impacting the financial results for Q2 2026.
Portfolio Restructuring: Following the transaction, the company restructured its available-for-sale securities portfolio, selling $72.6 million in securities, which is expected to result in a pre-tax loss of about $7.1 million, anticipated to be recovered over 3.3 years.
Earnings Improvement: The restructuring is projected to enhance earnings per share by approximately $0.51 and increase net interest margin by about 9 basis points, indicating potential future profitability improvements for the company.
Tangible Book Value Growth: The sale of Bearing is expected to increase tangible book value per share by approximately $1.90, while the loss from the securities restructuring will not affect total consolidated equity or tangible book value per share, reflecting the company's robust capital management strategy.

C&F Financial Corp Projects $8.3 Million Pre-Tax Gain from Sale to be Reflected in Q2 2026 Results

May 07 2026moomoo

Financial Estimate: C&F Financial Corp estimates a pre-tax gain of $8.3 million from a sale.
Inclusion in Results: This gain is set to be included in the Q2 2026 financial results.

C&F Financial Reports Strong Q1 Earnings Growth

Apr 24 2026seekingalpha

Earnings Per Share Growth: C&F Financial reported a GAAP EPS of $2.08 for Q1, reflecting a significant increase compared to the previous year, indicating improved profitability and a rebound in market demand.
Revenue Increase: The company achieved revenues of $36.25 million in Q1, marking an 11.3% year-over-year growth, demonstrating robust growth in the financial services sector and an expansion of market share.
Financial Health Status: The continuous revenue growth and enhanced profitability suggest that C&F Financial is in a strong financial position in the current economic environment, laying a solid foundation for future investments and expansion.
Shareholder Return Potential: With the improvement in performance, C&F Financial may consider increasing shareholder return measures, further boosting investor confidence and attracting more investor interest.