Form 8-K

8-K — C & F FINANCIAL CORP

Accession: 0000913341-26-000031

Filed: 2026-05-20

Period: 2026-05-20

CIK: 0000913341

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — cffi-20260520x8k.htm (Primary)

EX-99.1 (cffi-20260520xex99d1.htm)

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8-K

8-K (Primary)

Filename: cffi-20260520x8k.htm · Sequence: 1

C & F FINANCIAL CORPORATION_May 20, 2026

0000913341falseC & F FINANCIAL CORPORATION00009133412026-05-202026-05-20

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) May 20, 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 May 20, 2026, C&F Financial Corporation issued a news release announcing the board of directors’ declaration of a cash dividend payable July 1, 2026. A copy of the Company’s news release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into this Item 7.01.

Item 9.01Financial Statements and Exhibits

(d)Exhibits

99.1 C&F Financial Corporation news release dated May 20, 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:

May 20, 2026

By:

/s/ Jason E. Long

Jason E. Long

Chief Financial Officer and Secretary

EX-99.1

Filename: cffi-20260520xex99d1.htm · Sequence: 2

C&F Financial Corporation Announces

EXHIBIT 99.1

Wednesday, May 20, 2026

Contact:

Jason Long

Chief Financial Officer and Secretary

(804) 843-2360

C&F Financial Corporation

Announces Quarterly Dividend

Toano, VA -- The Board of Directors of C&F Financial Corporation (NASDAQ:CFFI) (the Corporation) has declared a regular cash dividend of 48 cents per share, which is payable July 1, 2026 to shareholders of record on June 15, 2026.

The Board of Directors of the Corporation continually reviews the amount of cash dividends per share and the resulting dividend payout ratio in light of changes in economic conditions, current and future capital requirements, and expected future earnings.

About C&F

C&F Bank operates 32 banking offices and five commercial loan offices located throughout Virginia and offers full wealth management services through its subsidiary C&F Wealth Management, Inc. C&F Mortgage Corporation and its subsidiary C&F Select LLC provide mortgage loan origination services through offices located in Virginia and the surrounding states. C&F Finance Company provides automobile loans through indirect lending programs offered primarily in the Mid-Atlantic, Midwest and Southern United States from its headquarters in Henrico, Virginia.

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

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