C&F Financial Corporation (CFFI) reported a fourth-quarter net income of $6.7 million for 2025, an 11% increase from $6 million in Q4 2024. For the full year, net income rose 36% to $27 million, up from $19.9 million in 2024. Earnings per share increased to $2.07 from $1.87 year-over-year, while full-year EPS climbed to $8.29 from $6.01.
As of December 31, 2025, C&F Financial’s total assets grew to $2.77 billion, a rise from $2.56 billion the previous year. Deposits increased by 8.1% to $2.35 billion, with average loans up 10% and average deposits rising by 7.2%. The company’s net interest income rose to $107.4 million from $97.9 million, with the net interest margin expanding to 4.21% from 4.12% in 2024.
The company has authorized a share repurchase program of up to $5 million for 2026 and declared total cash dividends of $1.84 per share for 2025, representing a payout ratio of 22.2% of earnings. Management highlighted continued focus on expanding loans and maintaining a stable deposit base while improving operational efficiency moving forward.
