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C&F Financial Corporation (CFFI) investor relations material
C&F Financial Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Net income rose to $7.1 million for Q3 2025 and $20.3 million for the first nine months, up 31.2% and 46.0% year-over-year, driven by higher community and mortgage banking results, partially offset by lower consumer finance income.
Annualized return on average assets was 1.06% for Q3 2025, up from 0.86% in Q3 2024; annualized return on average equity was 11.60%, up from 9.74%.
Earnings per share increased to $2.18 for Q3 2025 and $6.22 for the nine months, compared to $1.65 and $4.15 in the prior year.
Expansion into Southwest Virginia contributed to growth, with a new loan production office in Roanoke opening in July 2025.
Financial highlights
Net interest income for Q3 2025 was $27.2 million, up from $24.7 million in Q3 2024; net interest margin increased to 4.24% from 4.13%.
Loans held for investment grew $88.5 million to $1.97 billion; deposits increased $127.2 million to $2.30 billion since December 31, 2024.
Mortgage banking segment loan originations rose 6.4% year-over-year to $167.0 million in Q3.
Consumer finance segment loans decreased 1.0% annualized since December 2024 and 2.9% year-over-year.
Noninterest income for Q3 2025 was $8.8 million, up 1% year-over-year; noninterest expense rose 5.2% to $24.3 million.
Outlook and guidance
Management expects continued loan growth in community banking, with the consumer finance segment's marine and RV portfolio expected to run off as existing loans are repaid.
Net interest margin may face short-term pressure from declining market rates, but could benefit from loan repricing and new securities purchases.
Management remains confident in continued responsible growth, citing strong liquidity, capital position, and asset quality.
Forward-looking statements highlight expectations for continued loan and deposit growth, stable asset quality, and ongoing strategic expansion.
The company maintains strong liquidity and capital positions, exceeding all regulatory requirements.
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Next C&F Financial Corporation earnings date
Q4 202523 Jan, 2026
Next C&F Financial Corporation earnings date
Q4 202523 Jan, 2026
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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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