Key Highlights

• C&F Financial's $0.48 quarterly Dividend trades with a September 15, 2026 record date, payable October 1, yielding approximately 3.31%.

• Second-quarter consolidated Net Income was $8.6 million, up 11.1% year over year, with first-half net income of $15.4 million, up 17.2%.

• Results included an $8.3 million pre-tax gain from selling an Equity interest in Bearing Insurance Group and a $7.1 million pre-tax loss from securities restructuring.

• The company expanded into Lynchburg, Virginia on July 22.

C&F Financial's (NASDAQ:CFFI) $0.48 quarterly dividend trades with a September 15 Record Date and October 1 payment date. Net income rose 11.1% to $8.6 million, a figure that included an $8.3 million gain from selling an equity interest in Bearing Insurance Group alongside a $7.1 million loss from a securities-portfolio restructuring.

Dividend Program and Shareholder Returns

C&F Financial declared a $0.48 per share quarterly dividend, payable October 1 to shareholders of record September 15. The annualized dividend is $1.92 per share, up from $1.84 in 2025. The payout represents approximately 18.3% of second-quarter EPS, and the board reviews the rate against Capital requirements and expected earnings.

About the Company

C&F Financial is the Holding Company for C&F Bank and related financial-services businesses, operating 32 banking offices and five commercial-loan offices across Virginia, alongside separate mortgage, wealth-management and indirect automobile-finance operations.

Financial Performance Behind the Payout

C&F Financial reported second-quarter consolidated net income of $8.6 million, up from $7.8 million a year earlier. First-half net income reached $15.4 million, up 17.2%. Results included an $8.3 million pre-tax gain from the sale of an equity interest in Bearing Insurance Group, LLC, and a $7.1 million pre-tax loss from a securities-portfolio restructuring. At June 30, total Assets were approximately $2.810 billion, total deposits were $2.365 billion, and net loans were $2.073 billion. Book Value per share was $85.46, and the company expanded into Lynchburg, Virginia on July 22.

Outlook

Early traction in the Lynchburg market expansion, continued Loan growth across the banking, Mortgage and auto-finance segments, and normalized Earnings trends now that the offsetting one-time gain and loss have both cycled through are the items to watch in upcoming quarters.