Overview
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- TickerCFFI on Nasdaq1
- IndustryState Commercial Banks1
- HeadquartersWest Point, United States1
- Websitewww.cffc.com
- Incorporated inVA5
- Business address3600 Lagrange Pkwy, Toano, Va 231685
- Filer categoryAccelerated filer, Smaller reporting company5
- Legal formCommercial Bank3
- LEI549300QBMI3P6JWI9Q863
- StatusActive3
- LEI statusIssued and current3
- Registered address415 14th Street, 23181 West Point, United States3
- Registered withFederal Deposit Insurance Corporation, 103633
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C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927. C&F Bank has the following five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia:6 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Business segments
Community Banking brought in 70% of the revenue Citizens & Farmers Bank broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2023 | 2024 | 2025 |
|---|---|---|---|
| Community Banking | $90.7M | $89.3M | $99.2M |
| Consumer Finance | $25.4M | $27.0M | $26.9M |
| Mortgage Banking | $11.3M | $12.1M | $15.8M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs77¢$107.9M
- Income tax4¢$6.1M
- Profit19¢$26.8M
Out of $140.8M in revenue.7
Where each dollar of operating cash went, fiscal 2025
- Capital spending10¢$2.3M
- Dividends paid24¢$6.0M
- Share buybacks4¢$943.0K
- Kept or used elsewhere62¢$15.3M
Out of $24.5M of cash from operations.7
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans | $135.6M | $127.1M | $110.9M |
| Interest on interest-bearing deposits in other banks | $2.5M | $1.4M | $1.2M |
| U.S. treasury, government agencies and corporations | $1.1M | $1.7M | $3.5M |
| Mortgage-backed securities | $6.1M | $3.9M | $3.7M |
| Tax-exempt obligations of states and political subdivisions | $3.9M | $3.6M | $2.8M |
| Taxable obligations of states and political subdivisions | $770.0K | $739.0K | $726.0K |
| Corporate and other | $1.5M | $1.2M | $1.2M |
| Total interest income | $151.5M | $139.6M | $124.1M |
| Savings and interest-bearing deposits | $8.4M | $6.6M | $5.3M |
| Time deposits | $31.1M | $31.5M | $15.1M |
| Borrowings | $4.4M | $3.4M | $4.8M |
| Trust preferred capital notes | $1.4M | $1.3M | $1.2M |
| Total interest expense | $45.3M | $42.8M | $26.4M |
| Net interest income | $106.2M | $96.8M | $97.7M |
| Provision for credit losses | $11.6M | $13.2M | $8.3M |
| Net interest income after provision for credit losses | $94.7M | $83.5M | $89.4M |
| Gains on sales of loans | $8.0M | $6.1M | $5.8M |
| Interchange income | $6.3M | $6.2M | $6.2M |
| Service charges on deposit accounts | $4.1M | $4.3M | $4.3M |
| Investment income from other equity interests | $741.0K | $960.0K | $677.0K |
| Mortgage banking fee income | $2.9M | $2.3M | $2.1M |
| Wealth management services income, net | $3.1M | $3.0M | $2.6M |
| Mortgage lender services income | $2.9M | $2.0M | $2.0M |
| Other service charges and fees | $2.1M | $1.9M | $1.6M |
| Net losses on sales, maturities and calls of available for sale securities | -$5.0K | ||
| Other income, net | $4.6M | $3.8M | $4.3M |
| Total noninterest income | $34.6M | $30.5M | $29.6M |
| Salaries and employee benefits | $56.8M | $53.6M | $54.9M |
| Occupancy | $8.8M | $8.4M | $8.0M |
| Data processing | $12.0M | $11.3M | $10.9M |
| Professional fees | $3.7M | $3.6M | $2.8M |
| Insurance expense | $1.7M | $1.8M | $1.7M |
| Marketing and advertising expenses | $2.4M | $1.2M | $1.5M |
| Loan processing and collection expenses | $3.1M | $2.7M | $3.3M |
| Other | $7.8M | $7.3M | $6.9M |
| Total noninterest expenses | $96.2M | $89.9M | $89.9M |
| Income before income taxes | $33.1M | $24.1M | $29.2M |
| Income tax expense | $6.1M | $4.2M | $5.4M |
| Net income | $27.0M | $19.9M | $23.7M |
| Less net income attributable to noncontrolling interest | $156.0K | $84.0K | $142.0K |
| Net income attributable to C&F Financial Corporation | $26.8M | $19.8M | $23.6M |
| Net income per share - basic (in dollars per share) | $8.29 | $6.01 | $6.92 |
| Net income per share - diluted (in dollars per share) | $8.29 | $6.01 | $6.92 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $13.6M | $16.2M | ||
| Interest-bearing deposits in other banks | $65.5M | $49.4M | ||
| Total cash and cash equivalents | $79.1M | $65.6M | $75.2M | $26.7M |
| Securities-available for sale at fair value, amortized cost of $471,036 and $448,616, respectively | $458.1M | $418.6M | ||
| Loans held for sale, at fair value | $40.9M | $20.1M | ||
| Loans, net of allowance for credit losses of $39,677 and $40,087, respectively | $2.0B | $1.9B | ||
| Restricted stock, at cost | $3.7M | $3.6M | ||
| Corporate premises and equipment, net | $39.2M | $40.1M | ||
| Other real estate owned, net of valuation allowance of $215 and $215, respectively | $1.3M | $1.3M | ||
| Accrued interest receivable | $11.7M | $10.6M | ||
| Goodwill | $25.2M | $25.2M | ||
| Other intangible assets, net | $909.0K | $1.1M | ||
| Bank-owned life insurance | $21.8M | $21.2M | ||
| Net deferred tax asset | $14.0M | $17.7M | ||
| Other assets | $57.6M | $57.9M | ||
| Total assets | $2.8B | $2.6B | ||
| Noninterest-bearing demand deposits | $543.7M | $526.1M | ||
| Savings, money market and interest-bearing demand deposits | $905.7M | $826.5M | ||
| Time deposits | $896.4M | $818.3M | ||
| Total deposits | $2.3B | $2.2B | ||
| Short-term borrowings | $20.0M | $29.0M | ||
| Long-term borrowings | $67.8M | $68.2M | ||
| Trust preferred capital notes | $25.5M | $25.5M | ||
| Accrued interest payable | $3.7M | $4.4M | ||
| Other liabilities | $43.3M | $38.5M | ||
| Total liabilities | $2.5B | $2.3B | ||
| Common stock ($1.00 par value, 8,000,000 shares authorized, 3,245,972 and 3,233,672 shares issued and outstanding, respectively, includes 100,578 and 119,778 of unvested shares, respectively) | $3.1M | $3.1M | ||
| Additional paid-in capital | $1.1M | $36.0K | ||
| Retained earnings | $268.7M | $247.8M | ||
| Accumulated other comprehensive loss, net | -$11.2M | -$24.6M | ||
| Equity attributable to C&F Financial Corporation | $261.8M | $226.4M | ||
| Noncontrolling interest | $595.0K | $610.0K | ||
| Total equity | $262.3M | $227.0M | $217.5M | $196.2M |
| Total liabilities and equity | $2.8B | $2.6B | ||
| Available-for-sale securities, amortized cost | $471.0M | $448.6M | ||
| Allowance for credit losses | $39.7M | $40.1M | $39.7M | $40.5M |
| Other real estate owned, valuation allowance | $215.0K | $215.0K | ||
| Common stock par value (in dollars per share) | $1.00 | $1.00 | ||
| Common stock, shares authorized | 8.0M shares | 8.0M shares | ||
| Common stock, shares issued | 3.2M shares | 3.2M shares | ||
| Common stock, shares outstanding | 3.2M shares | 3.2M shares | ||
| Common stock, unvested shares | 100.6K shares | 119.8K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $13.6M | $16.2M | ||
| Interest-bearing deposits in other banks | $65.5M | $49.4M | ||
| Total cash and cash equivalents | $79.1M | $65.6M | $75.2M | $26.7M |
| Securities-available for sale at fair value, amortized cost of $471,036 and $448,616, respectively | $458.1M | $418.6M | ||
| Loans held for sale, at fair value | $40.9M | $20.1M | ||
| Loans, net of allowance for credit losses of $39,677 and $40,087, respectively | $2.0B | $1.9B | ||
| Restricted stock, at cost | $3.7M | $3.6M | ||
| Corporate premises and equipment, net | $39.2M | $40.1M | ||
| Other real estate owned, net of valuation allowance of $215 and $215, respectively | $1.3M | $1.3M | ||
| Accrued interest receivable | $11.7M | $10.6M | ||
| Goodwill | $25.2M | $25.2M | ||
| Other intangible assets, net | $909.0K | $1.1M | ||
| Bank-owned life insurance | $21.8M | $21.2M | ||
| Net deferred tax asset | $14.0M | $17.7M | ||
| Other assets | $57.6M | $57.9M | ||
| Total assets | $2.8B | $2.6B | ||
| Noninterest-bearing demand deposits | $543.7M | $526.1M | ||
| Savings, money market and interest-bearing demand deposits | $905.7M | $826.5M | ||
| Time deposits | $896.4M | $818.3M | ||
| Total deposits | $2.3B | $2.2B | ||
| Short-term borrowings | $20.0M | $29.0M | ||
| Long-term borrowings | $67.8M | $68.2M | ||
| Trust preferred capital notes | $25.5M | $25.5M | ||
| Accrued interest payable | $3.7M | $4.4M | ||
| Other liabilities | $43.3M | $38.5M | ||
| Total liabilities | $2.5B | $2.3B | ||
| Common stock ($1.00 par value, 8,000,000 shares authorized, 3,245,972 and 3,233,672 shares issued and outstanding, respectively, includes 100,578 and 119,778 of unvested shares, respectively) | $3.1M | $3.1M | ||
| Additional paid-in capital | $1.1M | $36.0K | ||
| Retained earnings | $268.7M | $247.8M | ||
| Accumulated other comprehensive loss, net | -$11.2M | -$24.6M | ||
| Equity attributable to C&F Financial Corporation | $261.8M | $226.4M | ||
| Noncontrolling interest | $595.0K | $610.0K | ||
| Total equity | $262.3M | $227.0M | $217.5M | $196.2M |
| Total liabilities and equity | $2.8B | $2.6B | ||
| Available-for-sale securities, amortized cost | $471.0M | $448.6M | ||
| Allowance for credit losses | $39.7M | $40.1M | $39.7M | $40.5M |
| Other real estate owned, valuation allowance | $215.0K | $215.0K | ||
| Common stock par value (in dollars per share) | $1.00 | $1.00 | ||
| Common stock, shares authorized | 8.0M shares | 8.0M shares | ||
| Common stock, shares issued | 3.2M shares | 3.2M shares | ||
| Common stock, shares outstanding | 3.2M shares | 3.2M shares | ||
| Common stock, unvested shares | 100.6K shares | 119.8K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $27.0M | $19.9M | $23.7M |
| Provision for credit losses | $11.6M | $13.2M | $8.3M |
| Accretion of certain acquisition-related discounts, net | -$338.0K | -$612.0K | -$989.0K |
| Share-based compensation | $1.8M | $1.9M | $2.0M |
| Depreciation and amortization | $3.9M | $3.9M | $3.9M |
| Amortization of premiums and accretion of discounts on securities, net | -$387.0K | $1.3M | $1.5M |
| Deferred income taxes | $154.0K | $474.0K | $902.0K |
| Reversal of provision for indemnifications | -$190.0K | -$460.0K | -$585.0K |
| Income from bank-owned life insurance | -$576.0K | -$849.0K | -$388.0K |
| Pension expense | $719.0K | $882.0K | $925.0K |
| Pension contribution | -$1.0M | -$1.0M | |
| Proceeds from sales of loans held for sale | $666.7M | $525.9M | $504.7M |
| Origination of loans held for sale | -$677.7M | -$528.6M | -$498.1M |
| Gains on sales of loans held for sale | -$8.0M | -$6.1M | -$5.8M |
| Other gains, net | -$303.0K | -$126.0K | -$44.0K |
| Accrued interest receivable | -$1.1M | -$194.0K | -$1.4M |
| Other assets | $2.3M | $7.7M | -$1.6M |
| Accrued interest payable | -$658.0K | $910.0K | $2.5M |
| Other liabilities | $551.0K | -$1.4M | -$685.0K |
| Net cash provided by operating activities | $24.5M | $36.8M | $38.8M |
| Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities | $65.6M | $100.6M | $100.8M |
| Purchases of securities available for sale | -$87.7M | -$56.4M | -$39.3M |
| Proceeds from (purchases of) time deposits, net | $484.0K | $977.0K | -$7.0K |
| Repayments on loans held for investment by non-bank affiliates | $165.1M | $159.0M | $158.8M |
| Purchases of loans held for investment by non-bank affiliates | -$174.6M | -$169.8M | -$162.5M |
| Net increase in community banking loans held for investment | -$135.9M | -$177.8M | -$110.9M |
| Purchases of corporate premises and equipment | -$2.3M | -$3.5M | -$1.5M |
| Other investing activities, net | -$51.0K | $71.0K | -$1.8M |
| Net cash used in investing activities | -$169.4M | -$146.9M | -$56.3M |
| Net increase (decrease) in demand, savings and money market deposits | $96.8M | -$40.4M | -$229.6M |
| Net increase in time deposits | $78.0M | $145.1M | $291.9M |
| Net (decrease) increase in repurchase agreements and other short-term borrowings | -$29.0M | -$29.2M | $21.6M |
| Proceeds from long-term borrowings | $40.0M | $40.0M | |
| Repayments of long-term borrowings | -$20.0M | -$4.0M | |
| Repurchases of common stock | -$943.0K | -$8.8M | -$7.8M |
| Cash dividends paid | -$6.0M | -$5.8M | -$6.0M |
| Other financing activities, net | -$562.0K | -$382.0K | -$132.0K |
| Net cash provided by financing activities | $158.4M | $100.6M | $66.0M |
| Net increase (decrease) in cash and cash equivalents | $13.5M | -$9.6M | $48.5M |
| Interest paid | $45.9M | $41.9M | $23.9M |
| Income taxes paid | $5.6M | $6.0M | |
| Transfers from corporate premises and equipment to other real estate owned | $1.8M | ||
| Adoption of new accounting standard | $1.1M | ||
| Liabilities assumed to acquire right of use assets at lease commencement | $867.0K | $2.7M | $775.0K |
| Transfers from loans held for sale to loans held for investment | $699.0K | $1.7M | $1.4M |
No quarter-by-quarter statement was filed.
Corporate structure
Citizens & Farmers Bank is part of a group headed by C&F Financial Corporation. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Citizens & Farmers Bank
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Citizens & Farmers Bank, latest Mar 26, 2026 (2 filings since Jul 29, 2025)
- BlackRock Filed SCHEDULE 13G on Citizens & Farmers Bank, latest Oct 17, 2025
- DIMENSIONAL FUND ADVISORS LP Filed SC 13G/A on Citizens & Farmers Bank, latest Feb 9, 2024 (3 filings since Feb 8, 2022)
- C&F Financial Corporation West Point, Virginia, United States
- Citizens & Farmers Bank West Point, Virginia, United States
- C & F Mortgage Corporation Subsidiary · Midlothian, Virginia, United States
- C&F Select LLC Subsidiary · Midlothian, Virginia, United States
- Citizens & Farmers Bank West Point, Virginia, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Citizens & Farmers Bank reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $83.4M7 Dec 31, 2025 | $81.6M7 Dec 31, 2024 | +2.2% |
| Accumulated depreciation | $44.2M7 Dec 31, 2025 | $41.5M7 Dec 31, 2024 | +6.5% |
| Property and equipment, net | $39.2M7 Dec 31, 2025 | $40.1M7 Dec 31, 2024 | −2.3% |
| Finance-lease assets | $6.8M7 Dec 31, 2025 | $7.3M7 Dec 31, 2024 | −6.5% |
| Operating-lease assets (leased space) | $2.4M7 Dec 31, 2025 | $2.2M7 Dec 31, 2024 | +9.1% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Loans, net of allowance | $2.0B7 Dec 31, 2025 | $1.9B7 Dec 31, 2024 | +7.2% |
| Deposits held (banks) | $2.3B7 Dec 31, 2025 | $2.2B7 Dec 31, 2024 | +8.1% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $25.2M7 Dec 31, 2025 | $25.2M7 Dec 31, 2024 | 0% |
| Finite-lived intangibles, gross | $3.1M7 Dec 31, 2025 | $3.1M7 Dec 31, 2024 | 0% |
| Accumulated amortization | $2.2M7 Dec 31, 2025 | $2.0M7 Dec 31, 2024 | +12.1% |
| Finite-lived intangibles, net | $909.0K7 Dec 31, 2025 | $1.1M7 Dec 31, 2024 | −20.7% |
Properties, in its own words
The following describes the location and general character of the principal offices and other materially important physical properties of the Corporation.
The main office, which operates as a branch office, of C&F Bank is located in West Point, VA. The operations center of C&F Bank, which includes the offices of the community banking segment’s loan, deposit and administrative functions, is located in Toano, Virginia. The community banking segment operates 30 additional branch offices and five regional commercial lending offices in Virginia, three of which are situated at bank branch locations. Of the 33 locations used as bank branches or commercial lending offices, 25 are owned by the community banking segment and eight are leased from nonaffiliates.
The rest of Item 2
The mortgage banking segment’s main administrative office and a loan production office are located in Midlothian, Virginia, in a building owned by C&F Bank that also houses a branch of C&F Bank. In addition, the mortgage banking segment has 19 loan production offices, of which four in Virginia are located in C&F Bank branches and 15 are leased from nonaffiliates, including 14 in Virginia, four in North Carolina, and one in West Virginia.
The consumer finance segment’s headquarters and its loan and administrative functions and staff are located in Henrico, Virginia, in offices that are owned by C&F Finance.
All of the Corporation’s properties are in good operating condition and are adequate for the Corporation’s present and anticipated future needs.
Item 2 of the 10-K filed Mar 3, 2026.6
Leadership
Who has led Citizens & Farmers Bank, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
- Chief executive officerS. Dustin Crone Feb 20, 2020 to now15
- Chief executive officerThomas F. Cherry Jan 23, 2019 to Feb 21, 201916
- Chief executive officerBryan Edwin McKernon Feb 21, 2019 to Dec 3, 202417
- Chief executive officerLarry G. Dillon Jun 12, 2006 to Dec 12, 201818
- ChairLarry G. Dillon Jun 12, 2006 to now18
- PresidentBryan Edwin McKernon Feb 21, 2019 to Dec 3, 202417
- PresidentS. Dustin Crone Feb 21, 2019 to now19
- PresidentThomas F. Cherry Jan 21, 2015 to Feb 21, 201920
- PresidentLarry G. Dillon Jun 12, 2006 to Jan 23, 201418
- Chief financial officerJason E. Long Mar 22, 2016 to now21
- Chief financial officerThomas F. Cherry Dec 20, 2006 to Jan 21, 201622
- Chief operating officerRobert Lee Bryant Dec 20, 2006 to Dec 19, 200723
Board members and other officers (15)
- Chief Credit OfficerJohn A. Seaman Iii. Jan 22, 2015 to now24
- Board memberDavid Hendrick Downs Feb 25, 2026 to now25
- Board memberGeorge R. Sisson Iii. Feb 24, 2020 to now26
- Board memberD. Anthony Peay Nov 26, 2019 to now27
- Board memberJulie R. Agnew Apr 20, 2017 to now28
- Board memberElizabeth R. Kelley Apr 21, 2017 to now29
- Board memberThomas F. Cherry Jan 21, 2015 to now20
- Board memberAudrey Dale Holmes Apr 24, 2007 to now30
- Board memberCharles Elis Olsson Apr 25, 2007 to now31
- Board memberBarry R. Chernack May 3, 2006 to Feb 21, 201932
- Board memberJ. P. Causey Jr. May 3, 2006 to now33
- Board memberJames H. Hudson Iii. May 3, 2006 to Apr 20, 202334
- Board memberJoshua H. Lawson May 3, 2006 to Jan 19, 201735
- Board memberPaul C. Robinson May 3, 2006 to now36
- Board memberWilliam E. Oconnell Jr. May 3, 2006 to Apr 28, 201137
Subsidiaries and ownership
Parent company (GLEIF)
Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.
Timeline
- Aug 19, 20268-K Regulation FD disclosure38
- Jul 23, 20268-K Results of operations39
- Jul 23, 20268-K Regulation FD disclosure40
- Jun 18, 20268-K Executive or director change41
- May 20, 20268-K Regulation FD disclosure42
- May 8, 20268-K Regulation FD disclosure; Other events43
- Apr 30, 20268-K Regulation FD disclosure44
- Apr 23, 20268-K Shareholder vote45
- Apr 23, 20268-K Results of operations46
- Feb 25, 20268-K Regulation FD disclosure47
- Jan 27, 20268-K Results of operations48
- Jan 23, 20268-K Executive or director change49
- Apr 19, 2023Parent Directly consolidated by C&F Financial Corporation3
- Feb 20, 2020New chief executive S. Dustin Crone becomes CEO15
- Feb 21, 2019New chief executive Bryan Edwin McKernon becomes CEO17
- Jan 23, 2019New chief executive Thomas F. Cherry becomes CEO16
- Jun 12, 2006New chief executive Larry G. Dillon becomes CEO18
- 1927Founded Founded1
Calendar
Coming up
- Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $2.18 a share, on Oct 23, 2025.50
When it reported results
- Jul 23, 2026Reported quarterly or annual results39
- Apr 23, 2026Reported quarterly or annual results46
- Jan 27, 2026Reported quarterly or annual results48
- Oct 23, 2025Reported quarterly or annual results51
- Jul 24, 2025Reported quarterly or annual results52
- Apr 24, 2025Reported quarterly or annual results53
- Jan 28, 2025Reported quarterly or annual results54
- Oct 29, 2024Reported quarterly or annual results55
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
311 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 66 major events, 178 insider forms, 8 large holders, 39 other. The latest 20:
- Sep 9, 20264 EDGAR
- Sep 8, 20264 EDGAR
- Sep 4, 2026144 EDGAR
- Sep 4, 2026144 EDGAR
- Aug 20, 20264 EDGAR
- Aug 19, 2026144 EDGAR
- Aug 19, 20268-K EDGAR
- Aug 10, 202610-Q EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Aug 4, 20264 EDGAR
- Aug 3, 2026144 EDGAR
- Jul 23, 20268-K EDGAR
- Jul 23, 20268-K EDGAR
- Jul 7, 20264 EDGAR
- Jun 18, 20268-K EDGAR
- Jun 17, 202611-K EDGAR
- Jun 15, 20264 EDGAR
- Jun 10, 20264 EDGAR
- Jun 9, 20264 EDGAR
The 311 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
52 open-market trades by officers, directors and large owners since October 2021: 3 buys and 49 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 4, 2026 | Crone S DustinPRESIDENT & CEO C&F FINANCE | Sale | 900 | $94.41 | $85.0K | Form 4 |
| Sep 4, 2026 | DILLON LARRY GEXECUTIVE CHAIRMAN | Sale | 1,000 | $95.07 | $95.1K | Form 4 |
| Aug 20, 2026 | DILLON LARRY GEXECUTIVE CHAIRMAN | Sale | 1,000 | $86.00 | $86.0K | Form 4 |
| Aug 5, 2026 | PEAY D ANTHONYDirector | Sale | 425 | $85.92 | $36.5K | Form 4 |
| Aug 5, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 500 | $87.13 | $43.6K | Form 4 |
| Aug 3, 2026 | Seaman John A IIIEVP, CHIEF CREDIT OFFICER | Sale | 650 | $84.61 | $55.0K | Form 4 |
| Jun 12, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 141 | $77.50 | $10.9K | Form 4 |
| Jun 11, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 30 | $78.50 | $2.4K | Form 4 |
| Jun 10, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 329 | $78.50 | $25.8K | Form 4 |
| Jun 9, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 678 | $75.56 | $51.2K | Form 4 |
| Jun 8, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 200 | $75.00 | $15.0K | Form 4 |
| Jun 5, 2026 | Long Jason EEVP, CHIEF FINANCIAL OFFICER | Sale | 1,360 | $75.50 | $102.7K | Form 4 |
| May 27, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 500 | $75.00 | $37.5K | Form 4 |
| May 13, 2026 | Kelley Elizabeth RDirector | Sale | 1,025 | $73.00 | $74.8K | Form 4 |
| Feb 26, 2026 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 11 | $78.25 | $861 | Form 4 |
| Aug 22, 2025 | CHERRY THOMAS FPRESIDENT & CEO | Sale | 1,205 | $71.00 | $85.6K | Form 4 |
| May 29, 2025 | PEAY D ANTHONYDirector | Sale | 136 | $66.94 | $9.1K | Form 4 |
| May 20, 2025 | PEAY D ANTHONYDirector | Sale | 103 | $66.86 | $6.9K | Form 4 |
| May 19, 2025 | PEAY D ANTHONYDirector | Sale | 254 | $68.04 | $17.3K | Form 4 |
| May 15, 2025 | PEAY D ANTHONYDirector | Sale | 31 | $67.96 | $2.1K | Form 4 |
All 52 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD GROUP INCSCHEDULE 13G/A, 2 filings Jul 29, 2025 to Mar 26, 202656
- BlackRockSCHEDULE 13G, 1 filing Oct 17, 202557
- DIMENSIONAL FUND ADVISORS LPSC 13G/A, 3 filings Feb 8, 2022 to Feb 9, 202458
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 79. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Citizens & Farmers Bank is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARC & F FINANCIAL CORP2
- CIK0000913341
- Employer ID (EIN)54-16801656
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company6
- Incorporated inVirginia6
- Fiscal year endsDecember 312
- Industry code (SIC)6022 State Commercial Banks2
- SEC reviewing officeOffice of Finance, Division of Corporation Finance2
- Business address3600 Lagrange Pkwy, Toano, VA 231682
- Phone80484323602
- Shares outstanding3,251,691 as of Aug 6, 202613
- Public float$186.0M as of Jun 30, 20256
- AuditorYount, Hyde & Barbour, P.C., Richmond, Virginia PCAOB ID 613; it also attests to the company’s internal control over financial reporting6
- On EDGAR sinceMay 15, 19962
- Filings1,233 in all: 4 (596), 8-K (293), 10-Q (89), 11-K (31), DEF 14A (30), 10-K (29), 3 (16), ARS (16)2
All 41 form types
4/A (15), SC 13G/A (15), 144 (13), 5 (9), S-8 (9), 3/A (6), CORRESP (6), SC TO-I/A (6), UPLOAD (6), 425 (5), 8-K/A (5), SC 13G (5), 10QSB (3), DEFA14A (3), EFFECT (3), S-3 (3), 5/A (2), S-3/A (2), S-3D (2), SCHEDULE 13G (2), 10KSB (1), 424B3 (1), 8-K12G3 (1), DEFR14A (1), NT 10-Q (1), PRE 14A (1), S-4 (1), S-4/A (1), S-8 POS (1), SC 13E4 (1), SC 13E4/A (1), SC TO-I (1), SCHEDULE 13G/A (1)
- Latest filingsAnnual report (10-K) Mar 3, 2026
Quarterly report (10-Q) Aug 10, 2026
Proxy statement (DEF 14A) Mar 11, 2026
Latest 8-K (8-K) Aug 19, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $1.00 par value per share | CFFI | The NASDAQ Stock Market LLC |
From the cover page of the 10-K filed Mar 3, 2026 (Section 12(b) of the Exchange Act).6
Risk factors and legal proceedings
The risks Citizens & Farmers Bank names in Item 1A of its 10-K filed Mar 3, 2026: 31 risks under these headings, as written.6
- Our earnings are significantly affected by the fiscal and monetary policies of the federal government and its agencies.
- Adverse changes in economic conditions in our market areas or adverse conditions in an industry on which a local market in which we do business is dependent could adversely affect our results of operations and financial condition.
- The concentration of commercial real estate loans, including construction loans, and consumer finance automobile loans in our loan portfolio increases credit risk.
- Weakness in the secondary residential mortgage loan markets or demand for mortgage loans may adversely affect income from C&F Mortgage.
- If our allowance for credit losses becomes inadequate, our results of operations may be adversely affected.
- An increase in mortgage loan defaults or prepayments may result in losses related to loans sold by C&F Mortgage.
- We are subject to interest rate risk and fluctuations in interest rates may negatively affect our financial performance.
- We rely substantially on deposits obtained from customers in our target markets to provide liquidity and support growth.
- Consumers may increasingly decide not to use banks to complete their financial transactions, which could have a material adverse impact on our financial condition and operations.
- Competition from other financial institutions and financial intermediaries may adversely affect our profitability.
- Our business, financial condition, and results of operations could be adversely affected by developments impacting the financial services industry, such as bank failures or concerns involving liquidity.
- Accounting for business combinations may expose us to intangible asset risk, which could affect our results of operations.
The other 19 risks
- Our risk management framework may not be effective in mitigating risk and loss.
- We are subject to security and operational risks, including cybersecurity risks and cybersecurity attacks, relating to our use of technology that could damage our reputation and our business.
- We rely on other companies to provide key components of our business infrastructure.
- Our business is technology dependent, and an inability to successfully implement technological improvements may adversely affect our ability to be competitive and our results of operations and financial condition.
- The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.
- We are subject to losses due to errors, omissions or fraud by our employees, clients, counterparties or other third parties.
- We use models in our business, and we could be adversely affected if our design, implementation, or use of models is flawed.
- Risks Related to the Regulation of the Corporation
- Compliance with laws, regulations and supervisory guidance, both new and existing, may adversely affect our business, financial condition and results of operations.
- The financial services industry may be subject to new or changing legislation, regulation, and government policy, which could affect the banking industry and the broader economy.
- Increased scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to environmental, social and governance (ESG) practices may impose additional costs on the Corporation or expose it to new or additional risks.
- The CFPB may increase our regulatory compliance burden and could affect the consumer financial products and services that we offer.
- Risks Related to Owning the Corporation’s Common Stock
- The trading volume of our common stock may not provide adequate volume for investors, and future sales of our common stock by shareholders or the perception that those sales could occur may cause our common stock price to decline.
- The Corporation’s dividends may not be sustained.
- Our common stock price may be volatile, which could result in losses to our investors.
- Future issuances of our common stock could adversely affect the market price of our common stock and could be dilutive.
- General Risk Factors
- We rely heavily on our management team and the unexpected loss of key officers may adversely affect our operations.
- The success of our business strategies depends on our ability to identify, recruit and retain individuals with experience and relationships in our primary markets.
- The Corporation or any of its subsidiaries is a defendant from time to time in a variety of litigation and other actions.
- We are subject to physical and financial risks associated with climate change and other weather and natural disaster impacts
Legal proceedings
The Corporation and its subsidiaries may be involved in certain litigation matters arising in the ordinary course of business. Although the ultimate outcome of these matters cannot be ascertained at this time, and the results of legal proceedings cannot be predicted with certainty, we believe, based on current knowledge, that the resolution of any such matters arising in the ordinary course of business will not have a material adverse effect on the Corporation.
The opening of Item 3, Legal Proceedings.6
Links
- Websitewww.cffc.com1
- WikidataQ119075727
- SEC EDGARCIK 913341
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 4Company websiteCitizens & Farmers Bank logo
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- 19SEC EDGARS. Dustin Crone, President
- 20SEC EDGARThomas F. Cherry, President
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- 25SEC EDGARDavid Hendrick Downs, Board member
- 26SEC EDGARGeorge R. Sisson Iii., Board member
- 27SEC EDGARD. Anthony Peay, Board member
- 28SEC EDGARJulie R. Agnew, Board member
- 29SEC EDGARElizabeth R. Kelley, Board member
- 30SEC EDGARAudrey Dale Holmes, Board member
- 31SEC EDGARCharles Elis Olsson, Board member
- 32SEC EDGARBarry R. Chernack, Board member
- 33SEC EDGARJ. P. Causey Jr., Board member
- 34SEC EDGARJames H. Hudson Iii., Board member
- 35SEC EDGARJoshua H. Lawson, Board member
- 36SEC EDGARPaul C. Robinson, Board member
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- 38SEC EDGARRegulation FD disclosure
- 39SEC EDGARResults of operations
- 40SEC EDGARRegulation FD disclosure
- 41SEC EDGARExecutive or director change
- 42SEC EDGARRegulation FD disclosure
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- 44SEC EDGARRegulation FD disclosure
- 45SEC EDGARShareholder vote
- 46SEC EDGARResults of operations
- 47SEC EDGARRegulation FD disclosure
- 48SEC EDGARResults of operations
- 49SEC EDGARExecutive or director change
- 50NasdaqNasdaq calendar
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