C&F Financial Corporation reported a consolidated net income of $6.7 million for Q4 2025, up from $6.0 million in Q4 2024. For the year ended Dec. 31, 2025, net income was $27.0 million, compared to $19.9 million in 2024. Earnings per share were $2.07 for Q4 2025 and $8.29 for the year.

Community banking segment loans grew by $45.3 million or 11.7% annualized in Q4 2025 and $136.7 million or 9.4% compared to Dec. 31, 2024. Consumer finance segment loans increased by $1.0 million or less than 1% annualized in Q4 2025 and decreased by $2.5 million or less than 1% compared to Dec. 31, 2024.

Deposits increased by $47.7 million or 8.3% annualized in Q4 2025 and $174.9 million or 8.1% compared to Dec. 31, 2024. The consolidated annualized net interest margin was 4.20% for Q4 2025 compared to 4.13% for Q4 2024.

Community banking segment net income was $7.3 million for Q4 2025 and $27.2 million for the year ended Dec. 31, 2025, up from $6.4 million and $20.3 million in the same periods of 2024. Higher interest income and lower provision for credit losses drove the increase.

Mortgage banking segment reported net income of $250,000 for Q4 2025 and $2.3 million for the year ended Dec. 31, 2025, up from $87,000 and $1.1 million in the same periods of 2024. Higher gains on sales of loans and mortgage banking fee income were key factors.

Consumer finance segment reported net income of $233,000 for Q4 2025 and $1.2 million for the year ended Dec. 31, 2025, down from $272,000 and $1.4 million in the same periods of 2024. Lower interest income and higher loan processing and collection expenses impacted results.

C&F Financial Corporation’s total consolidated equity increased by $35.4 million at Dec. 31, 2025, compared to Dec. 31, 2024. The Corporation declared cash dividends totaling $1.84 per share during 2025 and had a payout ratio of 22.2% of earnings per share.

The Corporation’s market value per share was $72.59 at Dec. 31, 2025, and the book value per share was $80.64. The tangible book value per share was $72.60. C&F Bank was categorized as well-capitalized under the FDIC’s regulatory framework at Dec. 31, 2025.

C&F Financial Corporation had a share repurchase program in 2025 and a new program in 2026 to repurchase up to $5.0 million of the Corporation’s common stock each year. C&F Bank operates 31 banking offices and five commercial loan offices in Virginia.

For more information, contact Jason Long, CFO and Secretary at (804) 843-2360.

Read more at GlobeNewswire: C&F Financial Corporation Announces Net Income for 2025