C&F Financial Corporation (CFFI) Q3 2026 earnings summary

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.