C&F Financial Corporation (CFFI) Registration Filing summary

Company overview and business model

• Operates as a bank holding company with three main segments: community banking, mortgage banking, and consumer finance.

• Community banking services include deposit accounts, business and real estate loans, and wealth management.

• Mortgage banking originates and sells residential loans, including FHA, USDA, and VA loans, and provides origination services to third parties.

• Consumer finance focuses on indirect lending for auto, marine, and RV loans across multiple states, serving both prime and non-prime borrowers.

• Owns non-operating statutory trusts for trust preferred capital securities issued in private placements.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used as set forth in the applicable prospectus supplement.

Risk factors and disclosures

• Investment involves risks, including those detailed in periodic reports and prospectus supplements.

• Risks include interest rate volatility, economic conditions, regulatory changes, competition, credit quality, and cybersecurity threats.

• Forward-looking statements are subject to significant uncertainties and actual results may differ materially.