Form 8-K

8-K — C & F FINANCIAL CORP

Accession: 0000913341-26-000023

Filed: 2026-04-30

Period: 2026-04-30

CIK: 0000913341

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — cffi-20260430x8k.htm (Primary)

EX-99.1 (cffi-20260430xex99d1.htm)

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8-K

8-K (Primary)

Filename: cffi-20260430x8k.htm · Sequence: 1

C & F FINANCIAL CORPORATION_April 30, 2026

0000913341falseC & F FINANCIAL CORPORATION00009133412026-04-302026-04-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 30, 2026

C&F FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Virginia

000-23423

54-1680165

(State or other jurisdiction of

incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

3600 La Grange Parkway, Toano, Virginia

23168

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code (804) 843-2360

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 par value per share

CFFI

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange of 1934 (§240.12b-2 of this chapter).

Emer

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐

Item 7.01Regulation FD Disclosure

On April 30, 2026, C&F Financial Corporation (the Corporation) published an investor presentation on its website. A copy of the presentation is attached to this Current Report on Form 8-K as Exhibit 99.1 and incorporated by reference into this Item 7.01. The Corporation and its management may use this or similar presentations in meetings with investors during the second quarter of 2026. A copy of this investor presentation is also available in the Financial Information – Investor Presentations section of the Corporation’s investor relations website at investor.cffc.com.

In accordance with General Instruction B.2 of Form 8-K, the information furnished in this Item 7.01, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, (the Exchange Act) or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act unless expressly incorporated by specific reference made within such filing.

Item 9.01Financial Statements and Exhibits

(d)Exhibits

99.1 Investor presentation dated April 30, 2026

104 Cover Page Interactive Data File (formatted as inline XBRL and contained

in Exhibit 101)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

C&F FINANCIAL CORPORATION

(Registrant)

Date:

April 30, 2026

By:

/s/ Jason E. Long

Jason E. Long

Chief Financial Officer and Secretary

EX-99.1

Filename: cffi-20260430xex99d1.htm · Sequence: 2

Exhibit 99.1

C&F Financial Corporation

NASDAQ: CFFI

First Quarter 2026 Investor Presentation

Forward-Looking Statements.

Certain statements in this presentation may constitute “forward-looking statements” within the meaning of federal securities laws. These forward-looking statements are based on the beliefs of the Corporation’s management, as

well as assumptions made by, and information currently available to, the Corporation’s management, and reflect management’s current views with respect to certain events that could have an impact on the Corporation’s future

financial performance. These forward-looking statements relate to expectations concerning matters that are not historical fact, may express “belief,” “intention,” “expectation,” “potential” and similar expressions, and may use the

words “believe,” “expect,” “anticipate,” “estimate,” “plan,” “may,” “might,” “will,” “intend,” “target,” “should,” “could,” or similar expressions. These statements are inherently uncertain, and there can be no assurance that the

underlying assumptions will prove to be accurate. Actual results could differ materially from those anticipated or implied by such statements. Factors that could have a material adverse effect on the operations and future

prospects of the Corporation include, but are not limited to, changes in: (1) interest rates, such as volatility in short-term interest rates or yields on U.S. Treasury bonds, fluctuations in interest rates following actions by the Federal

Reserve and increases or volatility in mortgage interest rates, (2) general business conditions, as well as conditions within the financial markets, (3) general economic conditions, including unemployment levels, inflation rates,

supply chain disruptions, slowdowns in economic growth and government shutdowns, (4) general market conditions, including disruptions due to pandemics or significant health hazards, severe weather conditions, natural

disasters, terrorist activities, financial crises, political crises, changes in trade policy and the implementation of tariffs, geopolitical tensions, war and other military conflicts (including the conflict in the Middle East and potential

associated impacts on interest rates and energy prices) or other major events, or the prospect of these events, (5) average loan yields and securities yields and average costs of interest-bearing deposits and borrowings, (6)

financial services industry conditions, including bank failures or rumors of such failures, the soundness of other financial institutions or concerns involving liquidity, along with actions taken by governmental agencies to address

such conditions, and the effects on financial institutions, including us, on, among other things, the ability to attract or retain depositors and to borrow or raise capital, (7) labor market conditions, including attracting, hiring, training,

motivating and retaining qualified employees, (8) the legislative and regulatory climate, regulatory initiatives with respect to financial institutions, products and services, the Consumer Financial Protection Bureau (the CFPB) and

the regulatory and enforcement activities of the CFPB, (9) monetary and fiscal policies of the U.S. Government, including policies of the FDIC, U.S. Department of the Treasury and the Board of Governors of the Federal Reserve

System (the Federal Reserve Board), and the effect of these policies on interest rates and business in our markets, (10) demand for financial services in the Corporation’s market areas, (11) the value of securities held in the

Corporation’s investment portfolios, (12) the quality or composition of the loan portfolios and the value of the collateral securing those loans, (13) the inventory level, demand and fluctuations in the pricing of used automobiles,

including sales prices of repossessed vehicles, (14) the level of automobile loan delinquencies or defaults and our ability to repossess automobiles securing delinquent automobile finance installment contracts, (15) the level of

net charge-offs on loans and the adequacy of our allowance for credit losses, (16) the level of indemnification losses related to mortgage loans sold, (17) demand for loan products, (18) deposit flows, (19) the strength of the

Corporation’s counterparties, (20) the availability of lines of credit from the FHLB and other counterparties, (21) competition from both banks and non-banks, including competition in the automobile finance market, (22) services

provided by, or the level of the Corporation’s reliance upon third parties for key services, (23) the commercial and residential real estate markets, including changes in property values, (24) the demand for residential mortgages

and conditions in the secondary residential mortgage loan markets, (25) the Corporation’s technology initiatives and other strategic initiatives, (26) the Corporation’s branch expansion, relocation and consolidation plans, (27)

cyber threats, attacks or events, including emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats, (28) C&F Bank’s product

offerings, and (29) accounting principles, policies and guidelines, and elections by the Corporation thereunder . These risks and uncertainties should be considered in evaluating the forward-looking statements contained herein,

and readers are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date of this presentation. For additional information on risk factors that could affect the forward-looking

statements contained herein, see the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2025 and other reports filed with the SEC. The Corporation undertakes no obligation to update any forward-looking statement, whether as a result of new information, future events or otherwise.

Use of Certain Non-GAAP Financial Measures.

The accounting and reporting policies of the Corporation conform to GAAP in the United States and prevailing practices in the banking industry. However, certain non-GAAP measures are used by management to supplement the

evaluation of the Corporation’s financial condition and performance. These include return on average tangible common equity (ROATCE), tangible common equity to tangible assets (TCE/TA), and tangible book value per share.

A reconciliation of the non-GAAP financial measures used by the Corporation to evaluate and measure the Corporation’s financial condition and performance to the most directly comparable GAAP financial measures is

presented in an appendix.

No Offer or Solicitation

This presentation does not constitute an offer to sell or a solicitation to buy any securities. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as

amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful.

About C&F Financial Corporation.

Additional information regarding the Corporation’s products and services, as well as access to its filings with the SEC, are available on the Corporation’s website at http://www.cffc.com.

Cautionary Statements

First Quarter 2026 Investor Presentation

C&F has unique competitive advantages…

First Quarter 2026 Investor Presentation

Positioned to

deliver

substantial value

creation

A clear

long-term

strategy

that we are

executing

effectively

Consistent

financial

performance with

sound risk

management

Proven

leadership

driving long-term

shareholder

value

…well-positioned in Virginia with a clear growth strategy

First Quarter 2026 Investor Presentation

Company Overview

C&F Branch Footprint in Virginia

C&F at a Glance

Preeminent Community Bank in Virginia

C&F is a Virginia-based financial services company providing full-service

banking, mortgage, wealth management, and finance solutions through a

relationship-driven approach. Focused on understanding and serving the

needs of individuals, businesses, and communities, C&F builds long-term

value through trust, responsiveness, and local commitment.

Branches

across VA

$2.81 Billion

Total Assets

$2.04 Billion

Total Loans, HFI

$2.40 Billion

Total Deposits

Size

$229.6 Million

Market Cap

• Recent expansion into Southwest

Virginia with the opening of a new

loan production office in July 2025

• Strong balance sheet and

asset quality

• Strong community banking funding

base with roots in key markets in

Virginia

• Regional exposure through elite

mortgage banking and consumer

finance segments

• Diverse lines of business with

experienced management teams

• Top-tier financial performance

• Outstanding capital management

allows for a quality dividend while

maintaining strong capital for

organic and non-organic growth

Our Leadership

First Quarter 2026 Investor Presentation

Thomas F. Cherry

President & CEO

C&F Financial Corporation

Years in Financial Industry: 35

Rodney W. Overby

EVP & Chief Information Officer

C&F Financial Corporation

Years in Financial Industry: 45

John A. Seaman III

EVP & Chief Credit Officer

C&F Bank

Years in Financial Industry: 45

Matthew Steilberg

EVP & Director Retail Banking

C&F Bank

Years in Financial Industry: 39

William V. Krebs Jr.

Regional President, Central Virginia

C&F Bank

Years in Financial Industry: 28

Mark J. Eggelston

Regional President, SE Virginia

C&F Bank

Years in Financial Industry: 35

Jason E. Long

EVP & CFO

C&F Financial Corporation

Years in Financial Industry: 23

Matthew P. Dolci

SVP Chief Risk Officer

C&F Bank

Years in Financial Industry: 8

S. Dustin Crone

President & CEO

C&F Finance Company

Years in Financial Industry: 36

Mark A. Fox

President & CEO

C&F Mortgage Corporation

Years in Financial Industry: 30

Andrew B. Buxbaum

SVP & General Counsel

C&F Bank

Years in Financial Industry: 25

Christopher A. Spillare

SVP & Treasurer

C&F Bank

Years in Financial Industry: 31

Maria R. Sullivan

SVP & Chief HR Officer

C&F Bank

Years in Financial Industry: 15

Helga H. Ridenhour

SVP & Director of Operations

C&F Bank

Years in Financial Industry: 35

Tony Lamont

EVP Operations

C&F Finance Company

Years in Financial Industry: 35

C. Shawn Moore

EVP & Chief Credit Officer

C&F Finance Company

Years in Financial Industry: 34

Kevin Jones

SVP Sales

C&F Finance Company

Years in Financial Industry: 32

Madeline M. Witty

SVP & Chief Compliance Officer

C&F Mortgage Corporation

Years in Financial Industry: 40

Natalie C. Zvanya

SVP & Chief Business Development

C&F Mortgage Corporation

Years in Financial Industry: 9

Kevin A. McCann

SVP & CFO

C&F Mortgage Corporation

Years in Financial Industry: 28

• Performance & Growth

• Our People

• Marketing & Brand Recognition

• Community Engagement

• Cross Company Collaboration

• Efficiency and Technology

• Risk Management

Strategic Initiatives & Opportunities

First Quarter 2026 Investor Presentation

Our Lines of Business

First Quarter 2026 Investor Presentation

Branches

$2.40 billion

Total Deposits

Community

Banking

C&F Bank provides community banking services at its 31 banking offices and

5 commercial loan offices located throughout Virginia. These locations provide

a wide range of banking services to individuals and businesses.

$680 million

Loan Originations in 2025

Mortgage

Banking

C&F Mortgage and C&F Select provide mortgage loan origination services

through offices located in Virginia and the surrounding states. Lender Solutions

is a growing division of C&F Mortgage that provides mortgage loan origination

as a service to community financial institutions.

$461 million

Loan Portfolio

Consumer

Finance

C&F Finance provides automobile loans through indirect lending programs

offered primarily in the Mid-Atlantic, Midwest and Southern United States

through its office in Henrico, Virginia.

$658 million

Assets Under Management (AUM)

Wealth

Management

C&F Wealth Management is a full-service brokerage firm offering a

comprehensive range of wealth management services through third-party

service providers primarily at C&F Bank branch locations.

Segments

First Quarter 2026 Investor Presentation

1. Interest expense is allocated to the mortgage banking and consumer finance segments through borrowing from the community banking segment.

Three Months Ended March 31, 2026

Community Mortgage Consumer

(Dollars in thousands) Banking Banking Finance Other Eliminations Consolidated

Interest income $ 26,172 $ 540 $ 12,218 $ — $ 216 $ 39,146

Interest expense 10,335 — — 1,102 — 11,437

Net interest income before allocation 15,837 540 12,218 (1,102) 216 27,709

Net interest allocation1 5,784 (232) (5,552) — — —

Net interest income 21,621 308 6,666 (1,102) 216 27,709

Gain on sales of loans — 2,729 — — (184) 2,545

Other noninterest income 4,496 1,705 154 (300) (50) 6,005

Net revenue 26,117 4,742 6,820 (1,402) (18) 36,259

Provision for credit losses 300 — 3,300 — — 3,600

Salaries and employee benefits 10,117 2,262 2,032 (54) — 14,357

Occupancy expense 1,854 215 146 — — 2,215

Data processing 2,473 372 321 9 — 3,175

Professional fees 640 28 194 55 — 917

Insurance expense 380 19 31 — — 430

Marketing and advertising expenses 420 112 15 — — 547

Loan processing and collection expenses 39 360 474 — — 873

Provision for indemnifications — (35) — — — (35)

Other segment items 1,157 189 415 93 (18) 1,836

Total noninterest expense 17,080 3,522 3,628 103 (18) 24,315

Income (loss) before taxes 8,737 1,220 (108) (1,505) — 8,344

Income tax expense (benefit) 1,627 310 (27) (360) — 1,550

Net income (loss) $ 7,110 $ 910 $ (81) $ (1,145) $ — $ 6,794

Segments

First Quarter 2026 Investor Presentation

Three Months Ended March 31, 2025

Community Mortgage Consumer

(Dollars in thousands) Banking Banking Finance Other Eliminations Consolidated

Interest income $ 23,384 $ 339 $ 12,123 $ — $ 142 $ 35,988

Interest expense 10,381 — — 597 — 10,978

Net interest income before allocation 13,003 339 12,123 (597) 142 25,010

Net interest allocation1 5,754 (72) (5,682) — — —

Net interest income 18,757 267 6,441 (597) 142 25,010

Gain on sales of loans — 1,985 — — (138) 1,847

Other noninterest income 4,230 1,136 177 222 (39) 5,726

Net revenue 22,987 3,388 6,618 (375) (35) 32,583

Provision for credit losses 100 — 2,900 — — 3,000

Salaries and employee benefits 9,279 1,792 1,977 435 — 13,483

Occupancy expense 1,830 213 150 — — 2,193

Data processing 2,342 226 290 8 — 2,866

Professional fees 724 26 91 80 — 921

Insurance expense 416 30 45 — — 491

Marketing and advertising expenses 384 140 5 — — 529

Loan processing and collection expenses 42 230 411 — — 683

Provision for indemnifications — (25) — — — (25)

Other segment items 1,215 177 436 107 (17) 1,918

Total noninterest expense 16,232 2,809 3,405 630 (17) 23,059

Income (loss) before taxes 6,655 579 313 (1,005) (18) 6,524

Income tax expense (benefit) 1,210 148 87 (312) (4) 1,129

Net income (loss) $ 5,445 $ 431 $ 226 $ (693) $ (14) $ 5,395

1. Interest expense is allocated to the mortgage banking and consumer finance segments through borrowing from the community banking segment. 10

Quarterly Trends

First Quarter 2026 Investor Presentation

* Non-GAAP financial measure. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in “Appendix – Reconciliation of Non-GAAP Disclosures”

Earnings per Share (EPS)

($)

$1.66

$2.37

$2.18 $2.07 $2.08

Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Return on Average Assets (ROAA)

(%)

0.84

1.18

1.06

0.97 0.97

Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Net Interest Margin (NIM)

(%)

4.16

4.27

4.24

4.20

4.27

Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Return on Average Tangible Common Equity (ROATCE) *

(%)

10.65

14.70

13.07

11.67 11.28

Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Earnings

First Quarter 2026 Investor Presentation

Return on Average Equity (ROAE)

(%)

Earnings per Share (EPS)

($)

Return on Average Assets (ROAA)

(%)

Return on Average Tangible Common Equity (ROATCE) *

(%)

* Non-GAAP financial measure. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in “Appendix – Reconciliation of Non-GAAP Disclosures”

** Annualized, year-to-date

$8.29

$6.92

$6.01

$8.29

$1.66 $2.08

2022 2023 2024 2025 Mar-25 YTD Mar-26 YTD

1.27

0.99

0.80

1.01

0.84

0.97

2022 2023 2024 2025 Mar-25** Mar-26**

14.84

11.68

9.02

11.11

9.35

10.19

2022 2023 2024 2025 Mar-25** Mar-26**

17.31

13.58

10.37

12.53

10.65 11.28

2022 2023 2024 2025 Mar-25** Mar-26**

Tangible Book Value

First Quarter 2026 Investor Presentation

Dividends per Share

($)

* Non-GAAP financial measure. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in “Appendix – Reconciliation of Non-GAAP Disclosures”

** Annualized, year-to-date

$1.64

$1.76 $1.76

$1.84

$1.92

2022 2023 2024 2025 Mar-26**

$48.54

$56.40

$61.86

$72.60 $73.70

2022 2023 2024 2025 Mar-26

Tangible Book Value per Share*

($)

$4.51

$7.51 $7.95

$0.00 $0.31

2022 2023 2024 2025 Mar-26

Share Repurchases

($ mil)

13.7%

CAGR

$1.60 $1.70

$1.88 $2.01 $2.04

2022 2023 2024 2025 Mar-26

Bank Finance

$2.33 $2.44 $2.56 $2.77 $2.81

2022 2023 2024 2025 Mar-26

$2.00

$2.07

$2.17

$2.35

$2.40

2022 2023 2024 2025 Mar-26

Balance Sheet

First Quarter 2026 Investor Presentation

Deposits

($bil)

Total Assets

($bil)

5.9%

CAGR

5.7%

CAGR

7.8%

CAGR

Loans HFI Net

($bil)

82% 84% 88% 88% 86%

2022 2023 2024 2025 26-Mar

Loan to Deposit Ratio

(%)

Securities

First Quarter 2026 Investor Presentation

U.S. Treasury

securities

U.S. Government

Agencies and

corporations

11%

Mortgage-backed

securities

47%

Obligations of

states and political

subdivision

34%

Corporate and

other debt

securities

The weighted average life and the total effective duration of the portfolio are

5.1 years and 3.7 years, respectively, as of March 31, 2026.

Composition

(% of Total Securities) (Mar-26)

Yield

(%)

1.96

2.37 2.65

3.11

3.42

2022 2023 2024 2025 Mar-26 QTD

Maturities and Weighted

Average Yield*

($ mil) (Mar-26)

$83.5

$186.7

$145.5

$69.8

3.01% 2.84%

3.92%

4.57%

Maturing within 1 year Maturing after 1 year, but

within 5 years

Maturing after 5 years, but

within 10 years

Maturing after 10 years

* Information is presented at amortized cost, by the earlier of contractual maturity or expected maturity, which may differ

because borrowers have the right to prepay obligations with or without penalties.

Loan Portfolio Trends

First Quarter 2026 Investor Presentation

CRE-Owner

Occupied

CRE-Nonowner

Occupied

36%

AD&C

11%

Residential Mortgage

15%

Commercial Business

Equity Lines

Consumer

Finance Auto

20%

Consumer Finance

Marine and RV

Other Consumer

Composition

(% of Total Loans) (Mar-26)

Loans, Gross

($ bil)

$1.64 $1.74

$1.92

$2.05 $2.08

2022 2023 2024 2025 Mar-26 QTD 16

($ mil) Amount % of CRE % of Total

Multifamily $175,804 18.6% 8.5%

Retail 159,662 16.9 7.7

Office 122,183 12.9 5.9

1-4 Family Investment Properties 105,083 11.1 5.1

Hotels 102,136 10.8 4.9

Industrial/warehouse 87,322 9.2 4.2

Mini-Storage 69,409 7.3 3.3

Medical Office 45,284 4.8 2.2

Other 79,022 8.4 3.8

Commercial & Construction Commercial Concentrations

Total CRE was 267% of total risk-based capital as of March 31, 2026.

The average CRE loan was $982,000 as of March 31, 2026.

Loan Yields

First Quarter 2026 Investor Presentation

Yield

(%)

5.85

6.49 6.75 6.73 6.69

4.32

5.12

5.49 5.56 5.57

9.84 9.97

10.42 10.59 10.67

2022 2023 2024 2025 Mar-26 QTD

Consolidated Bank Finance

Asset Quality

First Quarter 2026 Investor Presentation

0.01

0.03

0.02

0.19

0.07

0.13

0.22

0.20

2022 2023 2024 2025 Mar-26

Bank Finance

0.04 0.01 0.01 0.02 0.01 0.01 0.01 0.00

3.05

1.54

-0.14

0.59

1.99

2.62 2.59

2.98

2019 2020 2021 2022 2023 2024 2025 Mar-26*

Bank Finance

1.25

1.26

1.20

1.10

1.09

5.47

5.03

4.86

4.79

4.80

2.48 2.28 2.09 1.93 1.91

2022 2023 2024 2025 Mar-26

Bank Finance Consolidated ACL

Nonaccruals

(% of Total Loans)

Net Charge-offs

(% of Average Loans)

Allowance for Credit Losses (ACL)

(% of Total Loans)

Amendments to ASC 326 (“CECL”) were adopted by the

Corporation on January 1, 2023. * Annualized, year-to-date 18

0.72%

0.59%

0.21%

0.13% 0.13%

2022 2023 2024 2025 26-Mar

Criticized & Classified Loans

(% of Total Loans)

Consumer Finance Loan Portfolio

First Quarter 2026 Investor Presentation

The consumer finance segment made a strategic decision over the past few years to focus on higher credit quality customers.

* Refer to the Allowance for Credit Losses footnote in the Corporation’s Annual Report on Form 10-K for a more detailed description of the consumer finance segment’s credit quality indicators.

28%

21%

14% 9% 7% 5% 4% 4%

33%

30%

28%

24%

22%

19% 19% 18%

24%

28%

29%

29% 29% 29%

11%

15%

22% 25%

28% 29% 30%

14% 15% 16% 17% 19% 19% 19%

2019 2020 2021 2022 2023 2024 2025 Mar-26

Credit Score at Origination

Marginal (<580) Fair (580-624) Fairly Good (625-669) Good (670-739) Very Good (>739)

Deposits

First Quarter 2026 Investor Presentation

0.23

0.60

0.82

0.98 1.02

0.76

2.79

4.10

3.65

3.39

0.26

1.02

1.80 1.75 1.69

2022 2023 2024 2025 Mar-26 QTD

Savings and interest bearing Time Total Deposits

30% 27% 24% 23% 24%

51%

41% 38% 39% 38%

19%

32% 38% 38% 38%

$2.00 $2.07 $2.17 $2.35 $2.40

2022 2023 2024 2025 Mar-26

Noninterest bearing Savings and interest bearing Time

Deposit Composition

($ bil)

Cost of Deposits

(%)

1.90% 1.85% 1.81% 1.72% 1.73% 1.73% 1.69%

0.0% 4.6% 8.9% 18.4% 15.9% 11.9% 12.2%

Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Total Deposits

Cost of Deposits Cumulative Deposit Beta

Deposit Trends

First Quarter 2026 Investor Presentation

2.54% 2.48% 2.41% 2.30% 2.29% 2.27% 2.21%

0.0% 5.8% 12.8% 23.9% 24.7% 18.4% 19.0%

Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Interest-Bearing Deposits

Cost of Deposits Cumulative Deposit Beta

From the beginning of the Federal Reserve’s rate increases in March, 2022, cumulative deposit betas reached a peak of 33.3% and 44.1%

in September, 2024 for total deposits and interest-bearing deposits, respectively.

Cumulative deposit beta is calculated as the decrease in the rate paid on the respective deposits for each period presented divided by the incremental decrease in the Federal Reserve rate since September, 2024. 21

Granular Deposit Base

First Quarter 2026 Investor Presentation

70%

24%

Insured Uninsured, secured Public Funds All other uninsured

Total Deposits

$2.40 Billion

As of 3/31/26

A strength of our franchise is our well diversified

deposit base…

…with limited concentration and granular customer

base providing a stable source of funding

Consumer Deposits

Customer Base

~70,900

Consumer Accounts

Granular Deposit Base

$20,000

Average Account balance

Commercial Deposits

Customer Base

~14,400

Commercial Accounts

Granular Deposit Base

$67,000

Average Account balance

Capital – Bank

First Quarter 2026 Investor Presentation

13.6% 13.4%

6.5%

4.5%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

2025 Mar-26

CET 1 Risk-based Capital Ratio

11.1% 11.1%

5.0%

4.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

2025 Mar-26

Tier 1 Leverage Ratio

14.8% 14.7%

10%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

2025 Mar 26

Total Risk-based Capital Ratio

Well Capitalized Minimum Minimum Capital Ratio 23

$1.80 $1.92 $2.10 $2.23 $2.28

2022 2023 2024 2025 Mar-26

Risk-Weighted Assets

($ bil)

8.59% 8.59%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

2025 Mar-26

TCE Ratio

Capital – Corporation

First Quarter 2026 Investor Presentation

10.0% 10.1%

4.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

2025 Mar-26

Tier 1 Leverage Ratio

11.0% 11.0%

4.5%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

2025 Mar-26

CET 1 Risk-based Capital Ratio

15.2% 15.1%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

2025 Mar-26

Total Risk-based Capital Ratio

Minimum Capital Ratio 24

5.85

6.49

6.75 6.73 6.69

1.96

2.37

2.65

3.11

3.42

0.38

1.43

2.42 2.32 2.21

4.27 4.31 4.12 4.21 4.27

2022 2023 2024 2025 Mar-26 QTD

Yield on Loans Yield on securities Cost of Interest Bearing Deposits NIM

NIM, Yields, and Costs

(%)

Net Interest Income and Net Interest Margin (NIM) Trends

First Quarter 2026 Investor Presentation

Noninterest Income Trends

First Quarter 2026 Investor Presentation

21% 21% 20% 18%

19% 18%

20% 20% 20% 18%

20% 18%

41% 34% 34%

40%

39% 49%

9% 10%

10%

9% 17% 16%

15%

12% 5%

$29,212 $29,615 $30,538 $34,631

$7,573 $8,550

2022 2023 2024 2025 Mar-25 YTD Mar-26 YTD

Interchange income Service charges and fees Mortgage banking income

Wealth management income Other income

Noninterest Income

($mil)

Gain on Sale of Loans

($mil)

Lender Solutions Fee Income

($ mil)

85%

89% 90%

88%

89% 79%

15%

11% 10%

12%

11%

21%

$697.3

$498.8 $527.8

$680.2

$113.8 $179.6

2022 2023 2024 2025 Mar-25 YTD Mar-26 YTD

Purchases Refinancings

$1.7

$2.0 $2.0

$2.9

$0.5

$0.8

2022 2023 2024 2025 Mar-25 YTD Mar-26 YTD

Originations

($ mil)

Lender Solutions active clientele included 22 community financial institutions as of March 31, 2026

$7.5

$5.8 $6.1

$8.0

$1.8

$2.5

2022 2023 2024 2025 Mar-25 YTD Mar-26 YTD

Funding Sources

First Quarter 2026 Investor Presentation

* The Corporation may rely on brokered deposits on a limited basis as a means of maintaining and diversifying liquidity and funding sources. Internal policy limits brokered deposits to 20 percent of total deposits.

Available Used Net Availability

March 31, 2026

($ in thousands)

Excess cash reserves $62,141 $ - $62,141

Borrowings from FHLB 282,641 30,000 252,641

Borrowings from Federal Reserve Bank 353,760 - 353,760

Unsecured federal funds agreements 75,000 - 75,000

Unpledged securities 351,497 - 351,497

Total Liquidity Sources $1,125,039 $30,000 $1,095,039

Uninsured and Uncollateralized Deposits $578,395

Coverage Ratio 189%

Brokered deposits * $595,372 $17,968 $577,630

Financial Summary – Balance Sheet

First Quarter 2026 Investor Presentation

As of

March 31, December 31, September 30, June 30, March 31,

($ thousands) 2026 2025 2025 2025 2025

Balance Sheet

Interest-bearing deposits in other banks $ 62,141 $ 65,510 $ 80,843 $ 62,289 $ 62,490

Securities - available for sale, at fair value 470,619 458,111 439,034 434,506 431,513

Loans held for sale, at fair value 56,120 40,911 33,478 44,757 27,278

Loans, net:

Community banking segment 1,596,842 1,572,883 1,527,809 1,513,082 1,463,679

Consumer finance segment 438,545 442,016 440,968 439,005 439,604

Total loans, net of allowance for credit losses 2,035,387 2,014,899 1,968,777 1,952,087 1,903,283

Other assets 189,481 189,063 189,160 192,753 187,966

Total assets $ 2,813,748 $ 2,768,494 $ 2,711,292 $ 2,686,392 $ 2,612,530

Deposits:

Noninterest-bearing demand deposits $ 568,420 $ 543,673 $ 558,013 $ 555,759 $ 579,638

Savings and interest-bearing deposits 907,732 905,683 870,267 857,613 809,449

Time deposits 923,304 896,367 869,755 842,942 827,567

Total deposits 2,399,456 2,345,723 2,298,035 2,256,314 2,216,654

Short term borrowings 20,000 20,000 20,000 42,642 35,909

Lont term borrowings 57,750 67,842 67,922 78,018 58,080

Trust preferred capital notes 25,501 25,493 25,484 25,475 25,466

Other liabilities 44,929 47,088 45,964 43,027 41,150

Total liabilities 2,547,636 2,506,146 2,457,405 2,445,476 2,377,259

Total equity 266,112 262,348 253,887 240,916 235,271

Total liabilities and equity $ 2,813,748 $ 2,768,494 $ 2,711,292 $ 2,686,392 $ 2,612,530

Financial Summary – Income Statement

First Quarter 2026 Investor Presentation

For the Three Months Ended

March 31, December 31, September 30, June 30, March 31,

($ thousands, except per share data) 2026 2025 2025 2025 2025

Income Statement

Interest income:

$ 34,715 $ 34,842 $ 34,683 $ 33,716 $ 32,382 Interest and fees on loans

651 864 719 413 502 Interest on interest-bearing deposits in other banks

3,780 3,615 3,381 3,278 3,104 Interest and dividends on securities

39,146 39,321 38,783 37,407 35,988 Total interest income

Interest expense:

2,263 2,328 2,226 2,006 1,805 Savings and interest-bearing deposits

7,586 7,857 7,725 7,547 7,964 Time deposits

1,236 1,259 1,296 988 859 Borrowings

352 359 362 358 350 Trust preferred capital notes

11,437 11,803 11,609 10,899 10,978 Total interest expense

27,709 27,518 27,174 26,508 25,010 Net interest income

3,600 3,550 2,900 2,100 3,000 Provision for credit losses

24,109 23,968 24,274 24,408 22,010 Net interest income after provision for credit losses

Financial Summary – Income Statement

First Quarter 2026 Investor Presentation

For the Three Months Ended

March 31, December 31, September 30, June 30, March 31,

($ thousands, except per share data) 2026 2025 2025 2025 2025

Income Statement

Noninterest income:

Gain on sales of loans 2,545 1,778 1,896 2,458 1,847

Interchange income 1,577 1,580 1,610 1,621 1,475

Service charges on deposit accounts 1,020 1,052 1,049 1,022 990

Investment income from other equity interests 372 210 197 127 207

Mortgage banking fee income 850 732 735 888 570

Wealth management services income, net 808 820 795 756 732

Mortgage lender services income 820 784 768 762 536

Other service charges and fees 504 504 520 551 498

Other income, net 54 906 1,274 1,663 718

Total noninterest income 8,550 8,366 8,844 9,848 7,573

Noninterest expense

Salaries and employee benefits 14,357 14,027 14,420 14,846 13,483

Occupancy 2,215 2,265 2,245 2,099 2,193

Data processing 3,175 3,081 3,026 2,989 2,866

Professional fees 917 876 901 1,001 921

Insurance expense 430 415 399 416 491

Marketing and advertising expenses 547 625 660 549 529

Loan processing and collection expenses 873 878 831 745 683

Other 1,801 2,074 1,808 1,985 1,893

Total noninterest expense 24,315 24,241 24,290 24,630 23,059

Income before taxes 8,344 8,093 8,828 9,626 6,524

Income tax expense 1,550 1,377 1,715 1,859 1,129

Net income $ 6,794 $ 6,716 $ 7,113 $ 7,767 $ 5,395

Earnings per share $ 2.08 $ 2.07 $ 2.18 $ 2.37 $ 1.66

Financial Summary – Ratios

First Quarter 2026 Investor Presentation

As of or For the Three Months Ended

March 31, December 31, September 30, June 30, March 31,

2026 2025 2025 2025 2025

Balance Sheet Metrics

Loans/Deposits 86.5% 87.6% 87.4% 88.3% 87.7%

Tangible common equity/tangible assets 8.59% 8.59% 8.46% 8.05% 8.06%

Key performance ratios

Net interest margin 4.27% 4.20% 4.24% 4.27% 4.16%

Efficiency ratio 67.1% 67.6% 67.4% 67.7% 70.8%

Annualized return on average assets 0.97% 0.97% 1.06% 1.18% 0.84%

Annualized return on average equity 10.19% 10.41% 11.60% 13.06% 9.35%

Annualized return on average tangible common equity 11.28% 11.67% 13.07% 14.70% 10.65%

Dividend payout ratio on common stock 23.1% 22.2% 21.1% 19.4% 27.7%

Tangible book value per common share $ 73.70 $ 72.60 $ 70.15 $ 66.12 $ 64.39

At C&F, we believe in hard work

and in supporting one another.

We believe that when we put people first,

we all grow and move toward our goals.

We believe expertise is important,

but so are people

—

because when we focus on them,

everything else falls into place.

We’re here to help our communities, our

neighbors, and our team members

focus on what matters most.

To us, that’s you.

It’s always you.

Reconciliation of Non-GAAP Disclosures

First Quarter 2026 Investor Presentation

For the Year Ended For the Three Months Ended

($ thousands) 2022 2023 2024 2025 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26

Return on Average Tangible Common Equity

Average total equity, as reported $ 197,876 $ 203,261 $ 220,856 $ 243,033 $ 230,795 $ 237,823 $ 245,218 $ 257,974 $ 266,763

Average goodwill (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191)

Average other intangible assets (1,820) (1,538) (1,273) (1,017) (1,118) (1,045) (985) (924) (896)

Average noncontrolling interest (737) (675) (649) (693) (637) (652) (538) (479) (590)

Average tangible common equity $ 170,128 $ 175,857 $ 193,743 $ 216,132 $ 203,849 $ 210,935 $ 218,504 $ 231,380 $ 240,086

Net income $ 29,369 $ 23,746 $ 19,918 $ 26,991 $ 5,395 $ 7,767 $ 7,113 $ 6,716 $ 6,794

Amortization of intangibles 298 273 260 238 62 63 63 50 25

Net income attributable to noncontrolling interest (210) (142) (84) (156) (27) (76) (38) (15) (47)

Net income attributable to C&F Financial Corporation $ 29,457 $ 23,877 $ 20,094 $ 27,073 $ 5,430 $ 7,754 $ 7,138 $ 6,751 $ 6,772

Annualized return on average tangible common equity 17.31% 13.58% 10.37% 12.53% 10.65% 14.70% 13.07% 11.67% 11.28%

Reconciliation of Non-GAAP Disclosures

First Quarter 2026 Investor Presentation

As of

($ thousands) Dec-22 Dec-23 Dec-24 Dec-25 Mar-25 Jun-25 Sep-25 Mar-26

Tangible Common Equity (TCE) / Tangible Assets (TA)

Total equity, as reported $ 196,233 $ 217,516 $ 226,970 $ 262,348 $ 235,271 $ 240,916 $ 253,887 $ 266,112

Goodwill (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191)

Other intangible assets (1,679) (1,407) (1,147) (909) (1,084) (1,022) (959) (884)

Noncontrolling interest (599) (638) (610) (595) (637) (603) (604) (642)

Tangible common equity $ 168,764 $ 190,280 $ 200,022 $ 235,653 $ 208,359 $ 214,100 $ 227,133 $ 239,395

Total assets, as reported $2,332,317 $ 2,438,498 $2,563,374 $2,768,494 $ 2,612,530 $ 2,686,392 $ 2,711,292 $ 2,813,748

Goodwill (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191)

Other intangible assets (1,679) (1,407) (1,147) (909) (1,084) (1,022) (959) (884)

Noncontrolling interest (599) (638) (610) (595) (637) (603) (603) (642)

Tangible assets $2,304,848 $ 2,411,262 $2,536,426 $2,741,799 $ 2,585,618 $ 2,659,576 $ 2,684,539 $ 2,787,031

Tangible Common Equity (TCE) / Tangible Assets (TA) 7.32% 7.89% 7.89% 8.59% 8.06% 8.05% 8.46% 8.59%

Tangible Book Value Per Share

Equity attributable to C&F Financial Corporation $ 195,634 $ 216,878 $ 226,360 $ 261,753 $ 234,634 $ 240,313 $ 253,283 $ 265,470

Less goodwill (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191) (25,191)

Less other intangible assets (1,679) (1,407) (1,147) (909) (1,084) (1,022) (959) (884)

Tangible equity attributable to C&F Financial Corporation $ 168,764 $ 190,280 $ 200,022 $ 235,653 $ 208,359 $ 214,100 $ 227,133 $ 239,395

Shares outstanding 3,476,614 3,374,098 3,233,672 3,245,972 3,235,781 3,238,085 3,237,634 3,248,149

Book value per share $ 56.27 $ 64.28 $ 70.00 $ 80.64 $ 72.51 $ 74.21 $ 78.23 $ 81.73

Tangible book value per share $ 48.54 $ 56.40 $ 61.86 $ 72.60 $ 64.39 $ 66.12 $ 70.15 $ 73.70

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Document and Entity Information

Apr. 30, 2026

Document and Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Apr. 30, 2026

Entity File Number

000-23423

Entity Registrant Name

C & F FINANCIAL CORPORATION

Entity Incorporation, State or Country Code

Entity Tax Identification Number

54-1680165

Entity Address, Address Line One

3600 La Grange Parkway

Entity Address, City or Town

Toano

Entity Address, State or Province

Entity Address, Postal Zip Code

23168

City Area Code

804

Local Phone Number

843-2360

Written Communications

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false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $1.00 par value per share

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NASDAQ

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For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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No definition available.

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dei_DocumentPeriodEndDate

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xbrli:dateItemType

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duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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No definition available.

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Name:

dei_DocumentType

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- Definition

Address Line 1 such as Attn, Building Name, Street Name

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No definition available.

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Name:

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- Definition

Name of the City or Town

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- Definition

Code for the postal or zip code

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No definition available.

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- Definition

Name of the state or province.

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No definition available.

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dei_EntityAddressStateOrProvince

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Name:

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- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Name:

dei_EntityEmergingGrowthCompany

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Name:

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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Name:

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Data Type:

dei:edgarStateCountryItemType

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Name:

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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dei_EntityTaxIdentificationNumber

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- Definition

Local phone number for entity.

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No definition available.

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Name:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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Name:

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- Definition

Title of a 12(b) registered security.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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Name:

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Data Type:

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Name:

dei_SecurityExchangeName

Namespace Prefix:

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Data Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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Name:

dei_SolicitingMaterial

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Data Type:

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- Definition

Trading symbol of an instrument as listed on an exchange.

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No definition available.

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Name:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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