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C&F Financial Corporation (CFFI) investor relations material
C&F Financial Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income rose 54.3% year-over-year to $7.8M for Q2 2025 and 55.4% to $13.2M for the first half, driven by higher community and mortgage banking results, partially offset by lower consumer finance income.
EPS increased to $2.37 for Q2 and $4.03 for the first half, with annualized ROA at 1.18% and ROE at 13.06% for Q2 2025.
Strong loan and deposit growth in community banking; mortgage banking saw higher originations.
Consumer finance segment faced continued competition and higher credit losses.
Expansion into Southwest Virginia broadened market presence.
Financial highlights
Net interest income for Q2 2025 was $26.5M, up from $23.8M in Q2 2024; for the first half, $51.5M vs. $47.0M year-over-year.
Noninterest income rose 34.5% year-over-year in Q2, mainly from higher mortgage loan sales and fee income.
Noninterest expense increased 10.1% in Q2, driven by higher compensation and marketing costs.
Annualized net interest margin improved to 4.27% in Q2 2025 from 4.12% a year ago.
Book value per share was $74.21 and tangible book value per share $66.12 at June 30, 2025.
Outlook and guidance
Management expects continued organic loan and deposit growth in community banking and stable asset quality.
Optimism for the second half of 2025, supported by recent geographic expansion.
Net interest margin could be pressured if market rates decline, but loan repricing and new securities purchases may offset some impact.
Ongoing focus on operational efficiency and technology investments.
The company plans to maintain strong capital and liquidity, with flexibility for future growth or share repurchases.
What is the outlook for consumer finance credit quality?
Community banking ACL decrease vs. nonaccruals?
What is the expected impact of Southwest Virginia expansion?
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Next C&F Financial Corporation earnings date
Q3 202531 Oct, 2025
Next C&F Financial Corporation earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
C&F Financial Corporation is a bank holding company that operates through its subsidiary, Citizens and Farmers Bank. The company provides a range of banking services, including personal and business banking, mortgage banking, and wealth management. It serves individuals, small to medium-sized businesses, and institutional clients. Key products and services include checking and savings accounts, loans, mortgages, credit cards, and investment services. The company also offers insurance products through its financial subsidiaries. C&F Financial Corporation primarily operates in the state of Virginia, serving local communities with a focus on personalized customer service. The company is headquartered in West Point, Virginia, and its shares are listed on the Nasdaq.
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