C&F Financial Corp. SEC Filings

C&F Wealth Management (CFFI) reported officers/affiliates intending to sell a total of 1,025 common shares derived from vested restricted stock awards. The filing lists 600 shares from a vested RSA dated 04/15/2025 and 425 shares from a vested RSA dated 04/21/2026.

The notice is a routine Section 144 transfer filing for Nasdaq-listed common stock and signals planned dispositions of vested equity; the filing does not show trade execution details or proceeds.

C&F Financial Corporation reported stronger results for the three months ended March 31, 2026. Net income attributable to the company rose to $6.747 million, up from $5.368 million a year earlier, with basic and diluted earnings per share increasing from $1.66 to $2.08. Higher interest income on loans and securities and growth in noninterest income more than offset higher funding costs and a larger $3.6 million provision for credit losses.

Total assets reached $2.814 billion, up from $2.768 billion at December 31, 2025, driven largely by net loans of $2.035 billion and an investment securities portfolio at fair value of $470.6 million. Deposits increased to $2.399 billion, and total equity rose to $266.1 million despite a larger accumulated other comprehensive loss linked to securities valuation changes. Operating cash flow turned negative mainly due to loan origination and sale activity, while financing cash flows were positive as deposits grew.

The board authorized a $5.0 million 2026 share repurchase program; the company repurchased 4,279 shares in the quarter, with $4.7 million still available. It also paid cash dividends of $0.48 per share, totaling $1.56 million, and continued to recognize share-based compensation and pension expenses without major changes to goodwill or core intangibles.

C&F Financial Corporation completed the sale of its membership interest in Bearing Insurance Group, LLC, effective May 1, 2026, and expects to recognize an estimated pre-tax gain of approximately $8.3 million in second-quarter 2026 results.

After the sale, the company executed a strategic restructuring of its securities available-for-sale portfolio, selling $72.6 million of lower-yielding securities at a 1.40% weighted average yield and buying about $67.8 million at roughly 4.70%. This is estimated to create a pre-tax loss of about $7.1 million, expected to be recovered over roughly 3.3 years, while improving annualized earnings per share by approximately $0.51, net interest margin by about 9 basis points, and increasing tangible book value per share by an estimated $1.90 after taxes.

C&F Financial Corporation furnished an update for investors by posting a new investor presentation on its website on April 30, 2026. The presentation is attached as Exhibit 99.1 to this report and may be used by management in investor meetings during the second quarter of 2026.

The materials are provided under Regulation FD as an Item 7.01 disclosure and, under the stated Exchange Act instructions, are treated as "furnished" rather than "filed." They are also accessible through the Financial Information – Investor Presentations section of the company’s investor relations website.

C&F Financial Corporation reported consolidated net income of $6.8 million for the first quarter of 2026, up from $5.4 million a year earlier, with earnings per share of $2.08 versus $1.66. Annualized return on average assets was 0.97%, and return on average equity was 10.19%. Community banking contributed net income of $7.1 million, mortgage banking $910,000, while consumer finance posted a small loss of $81,000. Liquidity remained solid, with $428.9 million of liquid assets and $681.4 million of borrowing availability as of March 31, 2026. The quarterly dividend was increased by 4% to $0.48 per share, and the company repurchased 4,279 shares for $309,000 under its 2026 buyback program.

C&F Financial Corporation reported the results of its Annual Meeting of Shareholders held on April 21, 2026. A quorum of 2,687,415 shares was present. Shareholders elected five Class III directors to serve until the 2029 Annual Meeting, with each nominee receiving over 2.0 million votes in favor and broker non-votes of 617,831.

Shareholders also approved, in an advisory, non-binding vote, the compensation of the Corporation’s named executive officers, with 2,044,164 votes for, 14,692 against and 10,891 abstentions, alongside 617,668 broker non-votes. In addition, they ratified the appointment of Yount, Hyde & Barbour, P.C. as independent registered public accountant for the fiscal year ending December 31, 2026, by 2,641,796 votes for, 31,856 against and 13,763 abstentions.

C & F Financial Corp director Paul C. Robinson received an award of 450 shares of Common Stock as restricted stock on April 21, 2026. The shares were granted at no cash cost per share. Following this award, his directly held position increased to 19,692 shares.

The total includes shares as of April 21, 2026 that were not previously reported and were acquired through routine purchases under the company’s dividend reinvestment plan.

C & F Financial Corp director Charles Elis Olsson reported an equity award and updated holdings. On April 21, 2026, he received a grant of 450 shares of common stock as restricted stock at no cost, increasing his direct ownership to 10,250 shares.

He also reported 959 shares of common stock held indirectly in his spouse’s name, which include shares acquired through routine purchases under the company’s dividend reinvestment plan.

Downs David Hendrick reported acquisition or exercise transactions in this Form 4 filing.

C & F Financial Corp director David Hendrick Downs received a grant of restricted common stock as compensation. On April 21, 2026, he was awarded 450 shares at $0.00 per share, increasing his direct holdings to 1,300 shares of common stock.

This was an equity award reported on a Form 4, not an open-market purchase or sale, and reflects standard stock-based compensation for a director.