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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
C&F Financial Corporation
C&F Financial Corporation (CFFI) investor relations material
C&F Financial Corporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary26 Oct, 2026
Executive summary
Q3 2026 net income was $8.257 million, up 16.1% YoY; diluted EPS was $2.55 versus $2.18.
9M net income was $23.677 million; adjusted net income was $22.934 million and adjusted EPS was $7.03, up 13.1% YoY.
Loan growth in community banking and stronger net interest margin supported Q3 results; credit quality remained good.
Financial highlights
Q3 net interest income was $30.174 million versus $27.174 million YoY; 9M net interest income was $87.0 million versus $78.7 million.
Q3 net revenue was $38.210 million versus $36.018 million YoY; provision for credit losses was $2.750 million versus $2.900 million.
9M results included an $8.3 million pre-tax Bearing equity sale gain and a $7.1 million pre-tax securities restructuring loss.
Total assets were $2.811 billion and net loans were $2.105 billion at September 30, 2026; loans grew $90.0 million from year-end 2025.
Outlook and guidance
Strategic priorities include growth, efficiency and technology, risk management, people development, marketing, community engagement and cross-company collaboration.
Growth initiatives included the Roanoke branch opened in June 2026 and the Lynchburg loan production office opened in July.
The marine and RV loan portfolio is expected to run off over time, subject to normal repayments and credit performance.
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Latest events from C&F Financial Corporation
- Q2 2026 net income rose to $8.6 million, driven by loan growth and margin expansion.CFFI
Q2 2026 - Net income up 26% to $6.8M, led by loan growth, margin expansion, and mortgage originations.CFFIQ1 2026
- Proxy covers director elections, executive pay, auditor ratification, and strong ESG focus.CFFIProxy Filing
- Net income and EPS surged on strong loan growth, higher margins, and robust capital metrics.CFFIQ4 2025
- Registration enables up to $100M in flexible securities offerings across multiple financial segments.CFFIRegistration Filing
- Registration enables up to $100 million in flexible securities offerings with strong governance.CFFIRegistration Filing
- Net income surged, driven by loan growth and robust capital, despite higher credit losses.CFFIQ2 2025
- Net income declined as higher costs and credit losses offset strong loan and deposit growth.CFFIQ2 2024
- Q1 net income rose 57% to $5.4M, with strong loan growth and robust capital ratios.CFFIQ1 2025
Next C&F Financial Corporation earnings date
Q4 202629 Jan, 2027
C&F Financial Corporation
Next C&F Financial Corporation earnings date
Q4 202629 Jan, 2027
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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.